PEKAKRA PRIVACY POLICY & ACCEPTABLE USE POLICY
Effective Date: 11 August 2024
Last Updated: 11 August 2026
Platform: Pekakra
Website: https://pekakra.com
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PART A — PRIVACY POLICY
1. Introduction
Pekakra ("Pekakra", "we", "us", or "our") operates a digital marketplace and advertising platform that connects buyers, sellers, businesses, service providers, job seekers, and other users.
This Privacy Policy explains how Pekakra collects, uses, stores, protects, and shares personal information when you use our website, mobile applications, marketplace, verification services, advertising services, and related services.
Pekakra is committed to protecting the privacy of its users and handling personal information responsibly in accordance with applicable data protection requirements in Ghana, including the Data Protection Act, 2012 (Act 843).
By using Pekakra, you acknowledge that you have read and understood this Privacy Policy.
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2. Information We Collect
Depending on how you use Pekakra, we may collect the following information.
2.1 Account Information
When you create an account, we may collect:
- Name;
- Username;
- Email address;
- Telephone number;
- Password or authentication information;
- Profile information;
- Location information provided by you; and
- Other information you voluntarily provide.
2.2 Marketplace Information
When you create listings or use marketplace features, we may collect:
- Product or service descriptions;
- Listing titles;
- Prices;
- Product images and videos;
- Business information;
- Seller profile information;
- Listing location;
- Communication information; and
- Other information you choose to publish.
Some information contained in a public listing may be visible to other Pekakra users and visitors.
Users should therefore avoid publishing sensitive personal information in public listings.
2.3 User Verification Information
Pekakra provides an optional user verification process.
Users who choose to undergo verification may be required to provide information necessary to establish their identity.
For users in Ghana, Pekakra may use the Ghana Card and relevant identity information for verification purposes.
Verification information is used primarily for identity verification, platform safety, fraud prevention, and maintaining the integrity of the Pekakra marketplace.
Pekakra does not require every marketplace user to complete identity verification unless a particular feature, activity, risk assessment, or legal/compliance requirement requires additional verification.
2.4 Payment Information
Pekakra may process payments for Pekakra's own services, including:
- Subscription packages;
- Promotional packages;
- Advertising services;
- Featured listings;
- Listing-related services; and
- Other paid services offered by Pekakra.
Payments may be processed through third-party payment providers such as Paystack.
Pekakra does not generally receive or store users' complete card numbers, PINs, CVVs, or other sensitive payment credentials.
Payment information is generally handled by the relevant payment service provider in accordance with its own privacy and security practices.
2.5 Communications
When you communicate through Pekakra or contact our support team, we may collect information contained in those communications.
This may include:
- Messages;
- Support requests;
- Complaints;
- Reports of suspicious activity;
- Feedback; and
- Information you provide when communicating with other users through platform features.
2.6 Technical Information
When you use Pekakra, certain technical information may automatically be collected, including:
- IP address;
- Device type;
- Browser type;
- Operating system;
- Application information;
- Device identifiers;
- Approximate location;
- Pages or features accessed;
- Date and time of activity; and
- Technical logs.
This information may be used to maintain, secure, improve, and analyse the platform.
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3. How We Use Personal Information
Pekakra may use personal information for the following purposes:
- Creating and managing user accounts;
- Providing marketplace services;
- Publishing and managing listings;
- Connecting buyers and sellers;
- Providing customer support;
- Processing payments for Pekakra services;
- Providing subscriptions and promotional services;
- Verifying users who choose to undergo verification;
- Preventing fraud and abuse;
- Detecting suspicious activity;
- Maintaining platform security;
- Improving our website and applications;
- Communicating important service information;
- Sending promotional communications where permitted;
- Enforcing our policies and terms;
- Complying with legal and regulatory requirements; and
- Protecting the rights, property, and safety of Pekakra and its users.
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4. Legal Basis and Fair Processing
Pekakra seeks to process personal information in a lawful, reasonable, and transparent manner.
Depending on the circumstances, processing may be necessary to:
- Provide a service requested by the user;
- Perform an agreement with the user;
- Comply with legal or regulatory obligations;
- Protect the security and integrity of the platform;
- Prevent fraud or misuse;
- Pursue legitimate operational interests where permitted; or
- Obtain the user's consent where consent is required.
Pekakra aims to collect only information that is reasonably necessary for the relevant purpose.
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5. Public Information
Pekakra is a marketplace platform.
Information that you voluntarily publish in a public listing or profile may be visible to other users or members of the public.
This may include:
- Name or business name;
- Product or service information;
- Images;
- Prices;
- Listing location;
- Business information; and
- Other information you choose to publish.
Users should carefully consider what information they make publicly available.
Pekakra is not responsible for information that a user voluntarily publishes publicly.
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6. Sharing Personal Information
Pekakra does not sell users' personal information as a commercial data product.
We may share personal information where reasonably necessary with:
Service Providers
We may use third-party providers that help us operate Pekakra, including providers of:
- Hosting;
- Cloud infrastructure;
- Payment processing;
- Identity verification;
- Analytics;
- Communications;
- Security;
- Technical support; and
- Other technology services.
These providers may process information on our behalf where necessary to provide their services.
Other Users
Information that users voluntarily publish publicly may be visible to other users and visitors.
Legal and Regulatory Authorities
Pekakra may disclose information where required or permitted by applicable law, court order, regulatory requirement, or lawful request from an appropriate authority.
Fraud and Security
We may share information where reasonably necessary to investigate fraud, abuse, security incidents, illegal activity, or violations of our policies.
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7. Identity Verification and Ghana Card Information
Where a user voluntarily participates in Pekakra's identity verification process, Pekakra may process Ghana Card information and other information necessary for verification.
Such information is used for purposes including:
- Establishing user identity;
- Preventing impersonation;
- Reducing fraudulent activity;
- Improving marketplace trust and safety;
- Investigating suspicious activity; and
- Meeting applicable legal or compliance requirements where applicable.
Identity verification information is not intended to be displayed publicly as part of a user's marketplace listing.
Pekakra will take reasonable measures to protect verification information against unauthorized access, disclosure, alteration, loss, or misuse.
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8. Data Security
Pekakra implements reasonable technical and organisational measures designed to protect personal information from:
- Unauthorized access;
- Unauthorized disclosure;
- Loss;
- Destruction;
- Alteration;
- Misuse; and
- Other unlawful processing.
Security measures may include access controls, authentication mechanisms, secure communications, monitoring, backups, and other appropriate technical safeguards.
However, no internet-based service can guarantee absolute security.
Users are responsible for maintaining the confidentiality of their account credentials and should notify Pekakra if they believe their account has been compromised.
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9. Data Retention
Pekakra retains personal information for as long as reasonably necessary for the purposes for which it was collected, including providing services, maintaining business records, resolving disputes, preventing fraud, enforcing agreements, and complying with legal obligations.
When personal information is no longer reasonably required, Pekakra may delete, anonymise, or securely dispose of it in accordance with applicable requirements and our operational procedures.
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10. Cookies and Similar Technologies
Pekakra may use cookies and similar technologies to:
- Maintain user sessions;
- Remember preferences;
- Improve website functionality;
- Understand how users interact with the platform;
- Improve security;
- Analyse platform performance; and
- Support advertising or promotional functionality where applicable.
Users may manage cookies through their browser settings. Disabling certain cookies may affect some functionality of the platform.
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11. Marketing Communications
Pekakra may send users information about:
- New features;
- Marketplace services;
- Promotions;
- Subscription packages;
- Advertising opportunities; and
- Other Pekakra services.
Where applicable, users may opt out of promotional communications.
Service-related communications that are necessary to operate an account or provide a requested service may still be sent.
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12. Children's Privacy
Pekakra is not intended to be used for unlawful activities or by individuals who are not legally permitted to use the relevant services.
We do not knowingly collect personal information from children in circumstances where such collection is prohibited by applicable law.
If a parent or guardian believes that a child has provided personal information to Pekakra inappropriately, they may contact us so that the matter can be reviewed.
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13. Your Data Protection Rights
Subject to applicable law, users may have rights relating to their personal information, including rights to:
- Know how their information is processed;
- Request access to personal information;
- Request correction of inaccurate information;
- Object to certain processing;
- Request deletion where applicable;
- Withdraw consent where processing is based on consent;
- Request information about how their information is used or disclosed; and
- Make a complaint concerning the handling of their personal information.
The Data Protection Commission of Ghana identifies rights including access and objection under the Data Protection Act, 2012 (Act 843).
Requests should be submitted through Pekakra's official contact channels.
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14. Third-Party Websites and Services
Pekakra may contain links to websites, applications, payment providers, social networks, or other third-party services.
This Privacy Policy does not govern the privacy practices of those third parties.
Users should review the relevant third party's privacy policy before providing personal information.
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15. Changes to This Privacy Policy
Pekakra may update this Privacy Policy from time to time.
Changes may be made to reflect:
- Changes to our services;
- Changes in technology;
- Changes in applicable laws;
- Changes in regulatory requirements; or
- Improvements to our privacy practices.
The updated version will be published on the Pekakra platform with a revised effective or update date.
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PART B — ACCEPTABLE USE & MARKETPLACE POLICY
16. Purpose of the Marketplace Policy
Pekakra is a marketplace and advertising platform that connects sellers, service providers, businesses, job seekers, and potential customers.
Pekakra does not generally act as the seller, manufacturer, owner, warehouse operator, fulfillment provider, or distributor of products listed by independent third-party sellers.
Users are responsible for their own listings, products, services, representations, and dealings with other users.
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17. Seller and User Responsibilities
Users must provide accurate and truthful information.
Sellers are responsible for:
- Accurately describing products and services;
- Providing accurate prices;
- Providing accurate availability information;
- Ensuring they have the legal right to advertise or sell the listed products;
- Complying with applicable laws;
- Communicating honestly with customers;
- Fulfilling their own commercial commitments;
- Managing delivery or collection;
- Handling warranties and after-sales arrangements; and
- Resolving commercial matters directly with their customers.
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18. Prohibited Activities
Users may not use Pekakra to:
- Commit fraud;
- Impersonate another person or business;
- Publish fraudulent listings;
- Sell stolen goods;
- Sell counterfeit goods;
- Publish misleading advertisements;
- Conduct illegal activities;
- Promote prohibited goods or services;
- Upload malicious software;
- Attempt unauthorized access to another account;
- Harass or threaten other users;
- Spam users;
- Manipulate listings or platform functionality;
- Abuse the verification system;
- Circumvent account restrictions; or
- Engage in any activity that violates applicable law or Pekakra policies.
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19. Prohibited or Restricted Listings
Pekakra may prohibit or restrict listings involving:
- Illegal goods;
- Stolen goods;
- Counterfeit goods;
- Fraudulent services;
- Misleading investment opportunities;
- Fraudulent employment opportunities;
- Products or services prohibited by law;
- Dangerous or heavily regulated products;
- Pirated intellectual property;
- Content that infringes third-party rights; and
- Other categories that Pekakra determines present unacceptable legal, safety, fraud, or payment risks.
Pekakra may remove a listing without prior notice where necessary to protect users or comply with legal, regulatory, or payment-provider requirements.
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20. Employment Listings
Users advertising employment opportunities must provide truthful information.
Fraudulent job advertisements, fake employment opportunities, impersonation of employers, and schemes designed to obtain money or personal information from job seekers are prohibited.
Pekakra may suspend accounts or remove employment listings suspected of being fraudulent.
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21. User Verification
Pekakra may provide verified-user functionality.
Verification is intended to help establish the identity of users who complete the verification process.
A verification status does not constitute a guarantee that:
- The seller is trustworthy;
- A product is genuine;
- A product is safe;
- A business will fulfill an order; or
- A transaction will be successful.
Users should continue to exercise appropriate caution when dealing with other users.
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22. Payments and Pekakra's Business Model
Pekakra provides subscription and promotional services to sellers and other users.
Payments made to Pekakra may relate to:
- Subscription packages;
- Promotional packages;
- Advertising;
- Featured listings;
- Increased visibility; and
- Other Pekakra services.
Pekakra does not generally hold buyer funds on behalf of third-party sellers.
Pekakra does not operate an escrow service for third-party sellers and does not generally receive customer purchase funds and subsequently pay those funds out to sellers.
Transactions directly between buyers and independent sellers are separate from payments made to Pekakra for Pekakra's own services.
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23. Fulfillment and Delivery
Pekakra is not a fulfillment center.
Third-party sellers are generally responsible for:
- Inventory;
- Product preparation;
- Packaging;
- Delivery;
- Collection;
- Shipping;
- Product warranties; and
- After-sales service.
Pekakra does not generally store, package, or deliver products belonging to third-party sellers.
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24. Disputes Between Buyers and Sellers
Pekakra provides a platform for users to connect.
Commercial disputes between independent buyers and sellers should primarily be resolved between the parties involved.
Where a user reports:
- Fraud;
- A prohibited listing;
- Misleading information;
- Suspicious activity;
- Abuse;
- A policy violation; or
- Other serious marketplace concerns,
Pekakra may investigate and take appropriate platform-level action.
Such action may include:
- Removing a listing;
- Restricting a listing;
- Suspending an account;
- Terminating an account;
- Requesting additional information;
- Restricting access to certain features; or
- Taking other appropriate action.
Pekakra does not generally assume responsibility for commercial transactions independently entered into between buyers and sellers.
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25. Reporting Violations
Users should report suspicious or prohibited activity through Pekakra's available reporting or support channels.
Reports may include:
- Fraudulent sellers;
- Fake listings;
- Counterfeit products;
- Scams;
- Fraudulent job advertisements;
- Prohibited products;
- Harassment;
- Impersonation; and
- Other violations of this policy.
Pekakra may investigate reports and take appropriate action.
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26. Account Suspension and Termination
Pekakra may suspend, restrict, or terminate an account or listing where it reasonably believes that the user:
- Violated this policy;
- Violated applicable law;
- Engaged in fraud;
- Provided materially false information;
- Abused other users;
- Attempted to circumvent platform restrictions;
- Created a security or compliance risk; or
- Misused the platform.
Pekakra may take immediate action where necessary to protect users, the platform, or comply with legal or regulatory requirements.
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27. Compliance and Cooperation
Pekakra may cooperate with payment providers, regulators, law enforcement agencies, courts, and other appropriate authorities where required or permitted by law.
Pekakra may request additional information from users where reasonably necessary for:
- Identity verification;
- Fraud prevention;
- Security;
- Investigating suspicious activity;
- Compliance; or
- Protecting users and the platform.
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28. Contact Us
If you have questions regarding this Privacy Policy, Acceptable Use Policy, your personal information, or a marketplace-related complaint, please contact Pekakra through the official contact channels available on our platform.
Pekakra Marketplace
Website: https://pekakra.com
Effective Date: 11 August 2024
Last Updated: 11 August 2026