Privacy Policy

Last updated: September 26, 2026

1. Introduction

Cashly ("Cashly," "we," "us," or "our") is a digital daily susu and rotating savings platform that helps members contribute to and receive payouts from group savings arrangements. Cashly is developed and operated by Aethelis Solutions.

This Privacy Policy explains what personal information we collect when you use the Cashly mobile app or website, how we use and share that information, and the choices and rights you have regarding it. It applies to all users of Cashly, including susu contributors, group administrators, and visitors to our website.

By creating a Cashly account or otherwise using our services, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

Account and identity information. When you register for Cashly, we collect your full name, phone number, email address, date of birth, and a government-issued ID number for Know Your Customer (KYC) and anti-money-laundering verification.

Financial and transaction information. To process susu contributions and payouts, we collect mobile money account details, transaction amounts, contribution schedules, group membership, and payout history. This data is processed through our payment partner MojoPay, including account name enquiry, funds transfer, balance inquiry, account statement, direct debit/payment collection, and mobile money collection services.

Group and susu circle information. If you create or join a savings group, we collect the group name, member list, contribution amounts, rotation order, and payout schedule.

Device and usage information. We automatically collect your device type, operating system, IP address, app usage patterns, log data, and crash reports to keep the service running and secure.

Customer support information. If you contact us for support, we collect the content of your messages and any details you choose to share to resolve your issue.

3. How We Use Your Information

We use the information we collect to:

• Create and manage your Cashly account
• Process susu contributions, collections, and disbursements through our payment partner and mobile money network operators
• Verify your identity and comply with KYC and anti-money-laundering obligations
• Detect, investigate, and prevent fraud, unauthorized transactions, and other illegal activity
• Send transaction confirmations, payout reminders, and service notifications
• Provide customer support and respond to your requests
• Maintain, troubleshoot, and improve the performance and security of the app
• Comply with legal, regulatory, and tax obligations in Ghana

4. How We Share Your Information

We do not sell your personal information. We share it only in the following circumstances:

• Payment partners. We share the information needed to process transactions with MojoPay and mobile money network operators — MTN Mobile Money, Telecel Cash, and AT Money — through their APIs, so that contributions and payouts can be completed.
• Other susu group members. Your name and contribution/payout status within a group are visible to other members of that specific savings group, as necessary for the group to function.
• Service providers. We share limited data with vendors who support our operations, such as cloud hosting and SMS/email delivery, under confidentiality obligations.
• Legal and regulatory disclosure. We may disclose information where required by Ghanaian law, court order, or a request from a financial or law enforcement authority, or to protect the rights, property, or safety of Cashly, our users, or the public.
• Business transfers. If Aethelis Solutions is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction, subject to this policy.

5. Data Security

We use industry-standard measures to protect your information, including:

• Encryption of sensitive data in transit and at rest
• Access controls limiting who at Cashly and Aethelis Solutions can view your data, on a need-to-know basis
• Secure integration with our payment partner via authenticated APIs
• Regular review of our systems for vulnerabilities

No method of transmission or storage is 100% secure. If we become aware of a data breach affecting your personal information, we will notify you and the relevant authorities as required by law.

6. Data Retention

We retain your personal and transaction information for as long as your account is active and for a period afterward as needed to:

• Comply with financial recordkeeping and anti-money-laundering laws in Ghana
• Resolve disputes and enforce our agreements
• Support fraud investigations

When information is no longer needed for these purposes, we delete it or anonymize it.

7. Your Rights

Subject to applicable law, you have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate or incomplete information
• Request deletion of your information, where retention is not required for legal or regulatory reasons
• Withdraw consent for optional processing (this does not affect processing already carried out, or processing required to complete a transaction)
• Lodge a complaint with the Ghana Data Protection Commission or another relevant authority

To exercise any of these rights, contact us using the details in Section 11.

8. Cookies and Tracking Technologies

Our website and app may use cookies, local storage, and similar technologies to keep you signed in, remember your preferences, and understand how the service is used. You can control cookies through your browser or device settings; disabling them may limit some features.

9. Children's Privacy

Cashly is not intended for use by anyone under 18 years old, and we do not knowingly collect personal information from minors. If we learn that we have collected information from a minor without appropriate consent, we will delete it.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of material changes through the app, our website, or by email, and will update the "Last updated" date at the top of this document. Continued use of Cashly after a change takes effect means you accept the updated policy.

11. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or your personal information, contact us at:

Aethelis Solutions (Cashly)
cashlyghana@gmail.com
024 741 5316