Privacy Policy

Effective date: 6 October 2026

This policy explains what personal information Saves Mart ("we", "us") collects when you use the Saves Mart mobile app and website, how we use it, who we share it with, and the choices you have. It applies to the Saves Mart app for Android and iOS, the website, and the Saves Mart Credit service.

Saves Mart is a grocery and provisions store in Osu, Accra, Ghana. We handle your information in line with Ghana's Data Protection Act, 2012 (Act 843).

1. Information we collect

Information you give us

• Account details: your name, phone number, email address, and delivery address. If you set a password, we store only a secure hash of it, never the password itself.
• Email verification codes: when you sign up or sign in with a one-time code, we email you a 6-digit code. Codes expire after 10 minutes.
• Orders: the items you buy, totals, your delivery address and delivery notes, the payment method you choose, and the payment reference.
• Item requests and invoices: items you ask us to stock or quote for, quantities, and any notes you add.
• Saves Mart Credit applications: your business name and type, business location, the credit limit you request, and your reason for applying. If you're approved, we also keep your credit limit, balance, due dates, purchases made on credit, and repayments.

Information collected automatically

• Security information: your IP address and the email address or phone number used in sign-in attempts, so we can limit repeated attempts and protect accounts from abuse.
• Information stored on your device: the app keeps your cart, your recent orders and requests, and your last-used delivery details on your phone so they're there when you come back. Your sign-in session is kept in your phone's secure storage. This information stays on your device and is removed if you sign out or uninstall the app.

Information we do not collect

• We do not collect your card number, card PIN, or mobile money PIN. Payments are handled by Paystack (see section 3).
• The app does not access your location, contacts, camera, microphone, or photos.
• We do not use advertising trackers or sell your information.

2. How we use your information

We use your information to:

• create and secure your account and verify your email address;
• process, deliver, and let you track your orders;
• respond to item requests and send invoices;
• review Saves Mart Credit applications, verify your identity, manage your credit account, and record repayments;
• contact you about your orders, requests, credit account, or this service;
• prevent fraud, abuse, and unauthorised access;
• meet our legal and accounting obligations.

3. Who we share it with

We share your information only as needed to run the service:

• Paystack: processes card and mobile money payments. Paystack receives the payment amount, your email address, and a payment reference, and handles your payment details under its own privacy policy.
• Ride (delivery partner): receives your name, phone number, and delivery address so a rider can deliver your order.
• Supabase and Vercel: host our database and servers.
• Resend: sends our emails, such as verification codes and order or request confirmations.
• WhatsApp: if you tap a button to message us on WhatsApp, your message is sent through WhatsApp under its own privacy policy.
• Authorities: where the law requires us to, or to protect our customers, staff, or business from fraud or harm.

We do not sell or rent your personal information to anyone.

4. How long we keep it

• Account information is kept while your account is active.
• Order, invoice, credit, and payment records are kept for as long as we need them for accounting, tax, and legal purposes, including after a credit balance is fully repaid.
• Verification codes expire after 10 minutes.
• Security records are kept only as long as needed to detect and prevent abuse.

5. Your rights and choices

Under Ghana's Data Protection Act you can ask us to:

• give you a copy of the personal information we hold about you;
• correct information that is wrong or incomplete;
• delete your account and personal information;
• stop using your information for a particular purpose.

To delete your account, email savesmartgh@gmail.com from the email address on your account (or message us on WhatsApp at 050 713 8893) with the subject "Delete my account". We will confirm the request and delete your account and personal information within 30 days. We may keep records we're legally required to keep, such as completed order and payment records, or an unpaid credit balance until it is settled.

You can also clear the information stored on your phone at any time by signing out or uninstalling the app.

6. Security

We protect your information with encrypted connections (HTTPS), hashed passwords, limits on repeated sign-in attempts, and restricted staff access to customer records. No system is completely secure, so please keep your password and verification codes private.

7. Children

Saves Mart is not intended for anyone under 18, and Saves Mart Credit is available only to adults running a business. We do not knowingly collect information from children. If you believe a child has given us their information, contact us and we will delete it.

8. Changes to this policy

We may update this policy from time to time. When we do, we'll change the effective date at the top. If the changes are significant, we'll let you know in the app or by email.

9. Contact us

Saves Mart
Osu, Accra, Ghana
Email: savesmartgh@gmail.com
Phone / WhatsApp: 050 713 8893