Privacy Policy
Your privacy is fundamental to our mission. Learn how Standard Pensions Trust protects and manages your personal information.
Quick Navigation
Information We Collect
We collect information necessary to provide pension services, ensure regulatory compliance, and improve your experience with Standard Pensions Trust.
Personal Information
- • Full name and title
- • Ghana Card number and other ID documents
- • Date of birth and nationality
- • Contact details (email, phone, address)
- • GPS address and hometown
- • Marital status and gender
- • Next of kin information
Employment & Financial Data
- • SSNIT number and employment history
- • Employer details and salary information
- • Bank account details
- • Pension contribution records
- • Investment preferences
- • Benefit claim information
Technical Information
- • IP address and location data
- • Browser type and device information
- • Website usage patterns
- • Session data and cookies
- • Mobile app usage analytics
Communication Data
- • Contact form submissions
- • Survey responses and feedback
- • Event registration information
- • Customer service interactions
- • Newsletter subscription preferences
How We Use Your Information
We use your information to deliver pension services, meet regulatory requirements, and enhance your experience.
Pension Administration
- • Managing your pension accounts
- • Processing contributions and benefits
- • Investment management
- • Generating statements and reports
Regulatory Compliance
- • NPRA reporting requirements
- • Tax obligations
- • Anti-money laundering checks
- • Know Your Customer (KYC) verification
Customer Service
- • Responding to inquiries
- • Providing account support
- • Processing benefit claims
- • Resolving issues and complaints
Communication
- • Sending account updates
- • Regulatory notifications
- • Educational content
- • Marketing (with consent)
Service Improvement
- • Website and app analytics
- • Survey responses analysis
- • User experience optimization
- • Product development
Data Sharing and Disclosure
We Never Sell Your Data
Standard Pensions Trust does not sell, rent, or trade your personal information to third parties for marketing purposes.
We only share your information in the following circumstances:
Regulatory Authorities
National Pensions Regulatory Authority (NPRA), Ghana Revenue Authority, Bank of Ghana, and other regulatory bodies as required by law.
Service Providers
Custodians, fund managers, auditors, actuaries, and technology providers who assist in delivering pension services under strict confidentiality agreements.
Legal Requirements
When required by law, court order, or to protect our rights, property, or safety, or that of our members or the public.
With Your Consent
When you explicitly consent to sharing information for specific purposes, such as employer reporting or benefit transfers.
Data Security
We implement robust security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.
Technical Safeguards
- • SSL/TLS encryption for data transmission
- • Advanced encryption for data storage
- • Multi-factor authentication
- • Regular security monitoring
- • Firewall and intrusion detection
- • Secure backup systems
Administrative Safeguards
- • Role-based access controls
- • Staff training on data protection
- • Regular security audits
- • Incident response procedures
- • Vendor security assessments
- • Physical security measures
Data Breach Response
In the unlikely event of a data breach, we will notify affected members and relevant authorities within 72 hours, as required by law.
Your Rights
Under Ghana's Data Protection Act and international best practices, you have the following rights regarding your personal information:
Right to Access
Request a copy of the personal information we hold about you.
Right to Rectification
Request correction of inaccurate or incomplete personal information.
Right to Erasure
Request deletion of your personal information, subject to legal and regulatory requirements.
Right to Restrict Processing
Request limitation of how we process your personal information in certain circumstances.
Right to Data Portability
Request transfer of your personal information to another organization in a structured format.
Right to Object
Object to processing of your personal information for marketing purposes or legitimate interests.
Right to Withdraw Consent
Withdraw consent for processing where we rely on consent as the legal basis.
How to Exercise Your Rights
To exercise any of these rights, contact our Data Protection Officer:
info@standardpensionstrust.com
+233 (0) 302 780 765
Data Retention
We retain personal information only as long as necessary for the purposes outlined in this policy and as required by law.
Active Members
Duration of membership plus 7 years after termination
Regulatory requirements and potential claims
Pension Records
Permanent retention for active benefits
Ongoing pension obligations and payments
Financial Transactions
7 years from transaction date
Tax and regulatory compliance
Marketing Data
Until consent is withdrawn or 3 years of inactivity
Marketing effectiveness and consent management
Website Analytics
26 months maximum
Service improvement and trend analysis
Secure Disposal
When personal information is no longer needed, we securely delete or anonymize it using industry-standard methods to prevent unauthorized recovery.
International Data Transfers
Your personal information is primarily processed within Ghana. However, some data may be transferred internationally for:
- • Cloud storage and backup services
- • Software support and maintenance
- • Regulatory reporting to international bodies
- • Investment management services
All international transfers are protected by appropriate safeguards, including adequacy decisions, standard contractual clauses, or certification schemes.
Contact Us
If you have questions about this Privacy Policy or how we handle your personal information, please contact us:
Data Protection Officer
info@standardpensionstrust.com
+233 (0) 302 780 765
42 Nii Nortei Nyanchi Street
Dzorwulu, Accra, Ghana
Complaints Authority
If you're not satisfied with our response, you can lodge a complaint with:
Data Protection Commission
Ghana
dpc.gov.gh
Response Time
We will acknowledge your privacy-related inquiries within 2 business days and provide a complete response within 30 days.
Stay Informed
We may update this Privacy Policy periodically. We'll notify you of significant changes via email or our website.