Introduction
Melon is committed to protecting your personal data and respecting your privacy. This Privacy Policy explains how we collect, use, store, and protect your information when you use our mobile app or website. By using our services, you agree to the practices described in this Privacy Policy.
Information We Collect
We collect the following types of information:
a. Personal Information
- Full name
- Date of birth
- Gender
- Contact information (email, phone number)
- National ID or student ID (where required)
- Address and location
- Insurance-related information
b. Health Information
Medical history and pre-existing conditions (only if required for insurance purposes and with your consent)
c. Usage Data
- Device information (type, OS, IP address)
- App/website interaction (pages visited, features used, date/time of access)
d. Payment Information
- Payment method (mobile money, credit/debit card)
- Transaction history
Note: Melon does not store full card numbers. All payments are handled via secure third-party payment processors.
How We Use Your Information
We use your data to:
- Create and manage your account
- Provide and improve insurance and health-related services
- Facilitate payments and manage subscriptions
- Personalize user experience and content
- Respond to your inquiries and provide customer support
- Conduct analytics and performance monitoring
- Comply with legal and regulatory requirements
Sharing Your Information
We may share your data with:
- Licensed insurance providers and underwriters
- Payment processors and financial institutions
- Regulatory authorities (as required by law)
- Service providers (for analytics, hosting, customer support)
We do not sell your personal data to third parties.
Data Security
We implement industry-standard security measures to protect your data, including:
- Encrypted data transmission (SSL/TLS)
- Access controls and user authentication
- Secure storage and backup protocols
However, no system is 100% secure. You are responsible for safeguarding your login credentials.
Data Retention
We retain your personal data for as long as your account is active or as needed to:
- Fulfill the purposes stated in this policy
- Meet legal, tax, or reporting obligations
When no longer needed, data is securely deleted or anonymized.
Your Rights
You have the right to:
- Access your personal data
- Correct or update inaccurate information
- Request deletion of your data (subject to legal limitations)
- Withdraw consent for specific uses
- File a complaint with the Data Protection Commission of Ghana
To exercise your rights, contact us at: hello@joinmelon.co
Children's Privacy
Melon does not knowingly collect data from children under 18 without verifiable parental consent. If we discover we have collected such data without consent, we will delete it promptly.
International Transfers
If your data is transferred outside Ghana (e.g., for cloud storage), we ensure that adequate safeguards are in place to protect your data under applicable privacy laws.
Changes to This Policy
We may update this Privacy Policy from time to time. Any changes will be posted on this page, with the updated date. Continued use of the Platform means you accept the revised policy.
Contact Us
For questions, concerns, or requests related to your privacy, contact:
Email: hello@joinmelon.co
Phone: +233 599 629 666