Wire Gh: Payments and APIs for Ghana. Product of Marcbrain Ltd.
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Privacy Policy

Last updated: September 1, 2026

1. Introduction

This Privacy Policy explains how Wire Gh, a product of Marcbrain Ltd (Marcbrain Creative Systems), collects, uses, discloses and safeguards information when you use our website, USSD short codes, SMS services, result checker vouchers, utility bill payment tools, admission form portals and payment gateway (together, the "Services").

By creating an account or otherwise using the Services, you agree to the collection and use of information as described in this policy. If you do not agree with any part of this policy, please do not use the Services.

2. Information We Collect

We collect information you provide directly to us and information generated automatically as you use the Services, including:

  • Account information - full name, business name, email address, phone number, username and password.
  • Verification information - details used to confirm your identity where required, such as during OTP or Google sign-in.
  • Transaction information - service purchased, amount, payment channel (e.g. Mobile Money, card), date and reference number.
  • Usage information - pages visited, features used, device type, browser, IP address, and approximate location derived from your network.
  • Communications - messages you send to our support team, and records of USSD/SMS sessions relevant to troubleshooting.

3. How We Use Your Information

We use the information we collect to:

  • Create and manage your account, and authenticate your logins (including OTP and Google sign-in).
  • Process transactions and deliver purchased services such as vouchers, bill payments and SMS/USSD sessions.
  • Send transactional messages, receipts, OTPs and service notifications.
  • Detect, investigate and prevent fraud, abuse and unauthorized access.
  • Provide customer support and respond to your enquiries.
  • Improve, monitor and maintain the reliability of the Services.
  • Comply with applicable legal and regulatory obligations in Ghana.

4. Payment & Transaction Data

Payments made through Wire Gh are processed via licensed Mobile Money operators, card processors and payment aggregators. We do not store your full Mobile Money PIN or complete card number on our servers; these are handled directly by our payment partners in line with applicable payment industry security standards. We retain transaction metadata (amount, date, status, reference) for accounting, reconciliation and dispute-resolution purposes.

5. Cookies & Tracking Technologies

We use cookies and similar technologies to keep you signed in, remember your preferences, and understand how the Services are used. You can disable cookies in your browser settings, though some features (such as staying logged in via "Remember me") may not work correctly if you do so.

6. Data Sharing & Third Parties

We may share information with:

  • Payment partners - Mobile Money operators, card processors and payment aggregators, to complete your transactions.
  • Service providers - SMS gateways, USSD aggregators, hosting and infrastructure providers who process data on our behalf.
  • Regulators & authorities - where required by law, court order, or to protect the rights, property or safety of Wire Gh, our users, or the public.
  • Business transfers - in connection with a merger, acquisition, or sale of assets, subject to continued protection of your information.

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

7. Data Retention

We retain personal and transaction information for as long as your account is active, and thereafter for as long as necessary to comply with legal, tax, accounting and regulatory requirements, resolve disputes, and enforce our agreements.

8. Data Security

We apply reasonable administrative, technical and physical safeguards designed to protect your information from unauthorized access, alteration, disclosure or destruction, including encrypted transmission of sensitive data and access controls on internal systems. However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

Keep your password and OTP codes confidential. Wire Gh staff will never ask you to share your OTP, password, or Mobile Money PIN over phone, SMS or email.

9. Your Rights & Choices

Subject to applicable law, including Ghana's Data Protection Act, 2012 (Act 843), you may have the right to:

  • Access the personal information we hold about you.
  • Request correction of inaccurate or incomplete information.
  • Request deletion of your account and associated personal data, subject to legal retention requirements.
  • Withdraw consent to certain processing, such as marketing communications.

To exercise these rights, contact us using the details in Section 12 below.

10. Children's Privacy

The Services are not directed at children under 18. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us so we can take appropriate action.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal or regulatory reasons. We will update the "Last updated" date at the top of this page when changes are made. Continued use of the Services after changes take effect constitutes acceptance of the revised policy.

12. Contact Us

If you have questions or concerns about this Privacy Policy or how your information is handled, contact us: