Privacy Policy

• Identity: Full name, staff ID, Ghana Card number, and date of birth.
• Contact: Phone number and email address.
• Employment: Hospital/facility, department, and payroll details.
• Financial: Fund contributions, loan applications, mandate numbers, and deduction records.
• Account: Login credentials (password stored as a secure hash), PIN, and authentication tokens.

• To create and manage your UPNMG member account.
• To process loan applications and track repayments.
• To record and display fund contributions and deductions.
• To send notifications about account activity and loan status.
• To verify your identity and prevent fraudulent activity.
• To provide customer support when you contact us.

UPNMG does not sell, rent, or trade your personal information. Data may be shared only in these limited circumstances:

• UPNMG Staff: Authorized staff access data solely to process requests and manage memberships.
• Payroll: Financial deduction amounts may be shared with your employer's payroll department.
• Legal: We may disclose information if required by Ghanaian law or a valid legal order.

• Passwords are stored using secure one-way hashing — never in plain text.
• All communication is protected using HTTPS encryption.
• Authentication uses secure Bearer tokens with automatic expiry.
• Accounts are protected by a unique PIN for sensitive operations.
• Our servers are hosted in a secured environment with restricted access.

• We retain your data for as long as your membership with UPNMG is active.
• Financial and loan records are kept for a minimum of 7 years as required by Ghanaian financial regulations.
• You may request deletion of non-financial personal data by contacting support.

• Access: View your personal data under "My Profile" on the portal.
• Correct: Update contact information through portal settings or by contacting support.
• Query: Contact us to ask how your data is being used.
• Complain: Escalate to the relevant data protection authority in Ghana if you believe your data has been mishandled.

• The UPNMG Portal uses browser local storage to maintain your login session securely.
• We do not use third-party tracking or advertising cookies.
• Logging out clears all session data from your device.

Our website may link to external sites (e.g., government payslip portals). UPNMG is not responsible for the privacy practices of external websites. We encourage you to review their policies.

We may update this policy from time to time. The revised date will appear at the top of this page. Continued use of our services after changes are posted constitutes acceptance of the updated policy.

• Email: info@upnmg.com
• Phone: +233 302968902
• Contact page: upnmg.com/contact