Terms & Conditions

Effective Date: June 25, 2026

Privacy Policy

Introduction

FLECAM FLEX LTD (hereinafter referred to as “FoneGo,” “we,” or “our company”) understands the importance of privacy to every user. This Privacy Statement aims to transparently and directly explain how FLECAM FLEX LTD collects, uses, discloses, and protects your personal information when you use our mobile application (the “FoneGo App” or “App”).

As a compliant enterprise specializing in mobile phone installment services, FLECAM FLEX LTD always places data protection at the core of its business operations, ensuring the security of your information and your legal rights.

Part One: How We Process Your Information

1. Collection and Use of Information

We collect information only for clear and legitimate purposes, adhering to the principle of data minimization. Specifically:

App Permissions

Depending on the features you use, FoneGo may request the following permissions:

Camera Permission — FoneGo Sales App Only

This camera permission applies only to the FoneGo Sales App used by authorized sales staff of FLECAM FLEX LTD.

Purpose:

The camera permission is used to support the sales, customer verification, device verification, and contract processing functions of the FoneGo Sales App. Sales staff may use the camera to scan or capture device information, take required verification photos, upload customer-related sales verification materials, and complete necessary steps in the installment application or sales process.

Push Notifications — FoneGo Sales App Only

FoneGo Sales may request your permission to send push notifications to your device. These notifications may include:

• Application review status updates
• Staff addition notifications
• Payment and transaction confirmations

Push notifications are used solely to support the normal operation of the app and business management. We do not send advertising or promotional notifications without your consent.

You can enable or disable push notifications at any time through your device settings.

Approximate Location

Purpose:

Used to identify your general region and provide localized services, payment options, and customer support.

Privacy Notice:

FoneGo only uses approximate location information, city-level or regional information. FoneGo does not collect, store, or track your precise location and does not perform continuous background location tracking.

Optional Permissions

These permissions are optional. You may continue using FoneGo without granting these permissions. However, certain features may be unavailable or may not function as intended until the permissions are enabled.

Account and Identity Information: To verify your identity and link you to your existing installment contract, we require you to provide and process your mobile phone number for registering and logging into this App. This processing is necessary for the performance of our contract with you.

Contract and Transaction Information: To show you the status of your contract performance, facilitate your queries and management of repayments, we need to process your installment contract details (product information, amount, number of installments), repayment schedule, bill status, and historical repayment records. This processing is necessary for the performance of our contract with you.

Repayment Payment Information: When you make a repayment through the App, to process your repayment instruction and complete the payment transaction, we need to process your chosen payment method (mobile money wallet information) and the transaction result. We do not store your complete payment account credentials within the App. This processing is necessary for the performance of our contract with you.

Device Information: To ensure account security, improve service reliability, support customer service, and maintain the proper operation of the App, we may process limited device-related information (device identifiers, device model, operating system version, and application version) only when necessary for account security, device recognition, service support, troubleshooting, security monitoring, and service optimization purposes.

We specifically declare:

• The FoneGo App does not request access to personal information unrelated to its core functions, your contacts, photo album, or precise location.
• Any permissions requested by the App are limited to those necessary for providing and improving FoneGo services.
• We do not actively collect your sensitive personal information, identity documents, biometric information, or income proof, through this App, as this information was lawfully collected when you applied for the installment service offline.

2. Sharing and Disclosure of Information

We share your information only in the following situations and will ensure that third parties have sufficient data protection capabilities:

• Payment Service Providers: To complete your repayment transaction, we will share necessary payment instructions and transaction information with the mobile money or other payment processors you choose.
• Legal and Regulatory Requirements: To comply with applicable Ghanaian laws, regulations, judicial proceedings, or mandatory requirements of government authorities, we may disclose your information.
• Group Companies and Service Providers: We may share information with our affiliated companies and service providers (data storage and customer support) that are bound by strict contractual obligations, but they can only process the information according to our instructions.

We do not sell your personal information to third parties for marketing purposes.

3. Retention of Information

Customer support records and system operation logs may be retained for as long as necessary to resolve issues, maintain service security, prevent fraud, and comply with legal requirements.

We retain your information only for the minimum period necessary to achieve the purposes described in this statement. Specifically:

Your contract and repayment records will be retained for the entire duration of the contract and for a legally mandated period after the contract terminates (for example, to comply with financial, tax, and anti-money laundering regulations).

Thereafter, we will securely delete or anonymize your personal information.

Part Two: Your Rights and Choices

4. Your Rights

In accordance with applicable laws Ghana’s Data Protection Act (Act 843), you have the following rights over your information:

• Right of Access and Correction: You have the right to request access to the personal information we hold about you and to correct any inaccuracies.
• Right to Erasure: Under specific conditions (for instance, when the information is no longer necessary), you can request that we delete your personal information.
• Right to Object: You have the right to object to certain data processing activities carried out on the basis of our “legitimate interests.”

To Exercise Your Rights: To exercise any of the above rights, please submit a request through the “Contact Us” section below. To ensure security, we may need to verify your identity.

5. Your Choices

Marketing Communications: You can choose whether to receive marketing information from us about new products or promotional activities. You can unsubscribe at any time by following the instructions in any marketing text message or email.

Core Functionality: Please note that the information processing necessary to provide the core functions of this App (contract management, repayment) is a prerequisite for fulfilling the contract. If you choose not to provide it, you may not be able to use the App’s main services.

Part Three: Other Important Terms

6. Information Security

We implement organizational and technical measures that meet industry standards (encryption and access controls) to protect your information from unauthorized access, disclosure, alteration, or destruction.

7. Children’s Privacy

Our services are not directed to children under the age of 18. If we inadvertently collect personal information from a child, we will delete it as soon as possible.

8. Cross-Border Data Transfers

In principle, we process and store your personal information within Ghana. If a cross-border transfer is necessary for service operation, cloud hosting, technical support, security, compliance, or other legitimate business purposes, we will ensure that appropriate safeguards are applied in accordance with applicable laws.

9. Changes to This Statement

We may update this statement from time to time. After updating, we will post the new version in the App and update the effective date. Please review it periodically.

10. Contact Us

If you have any questions, comments, or requests regarding this Privacy Statement, our privacy practices, or wish to exercise your data rights, please contact our Data Protection Team via the following methods: