Updated 20th December 2025
1. Introduction
Marginal Capital (“we”, “our”, “us”) respects the privacy of individuals and is committed to protecting personal data processed in connection with the use of our digital investment platform (the “Platform”). This Privacy Policy sets forth how we collect, use, disclose, and safeguard personal data in accordance with applicable Cameroonian legal frameworks governing personal data protection, cybersecurity, and electronic communications, including the emerging personal data law.
By accessing or using the Platform, you consent to the collection and use of information in accordance with this Privacy Policy.
2. Data Controller
Marginal Capital is the data controller responsible for decisions regarding the processing of your personal data. Contact details are provided within the Platform and on our official contact page.
3. Personal Data We Collect
a. Identity Data
- Full name, date of birth, nationality.
b. Contact Data
- Email address, telephone number, postal address.
c. Account and Financial Data
- Mobile Money or Orange Money account identifier, banking details, investment history.
d. Usage Data
- IP address, device identifiers, transaction logs, Platform interaction data.
We collect only data necessary for explicit purposes, and we limit collection to that which is relevant, adequate, and not excessive. Maathis
4. Legal Bases for Processing
We process your personal data on the following legal grounds:
- Consent – Where you have expressly agreed to the processing of your personal data.
- Contractual necessity – Processing required to perform our Investment Services Agreement.
- Legal obligation – Compliance with Cameroon’s cybersecurity, financial, and consumer protection laws.
- Legitimate interests – Where necessary for Platform security and fraud prevention.
Cameroonian law expressly requires clear, informed consent except where processing is mandated by law. African Law & Business
5. Purpose and Use of Personal Data
Your personal data will be used to:
- Create and manage your investment account.
- Execute Platform services including deposits, withdrawals, and trade monitoring.
- Comply with legal and regulatory obligations, such as anti-money-laundering obligations.
- Communicate with you regarding your account.
We do not use personal data for purposes beyond that explained at the point of collection without your affirmative consent.
6. Data Retention
Personal data is retained only as long as necessary for the purposes it was collected, or as required by law. We implement retention schedules and review periods appropriate to the data type and processing purpose.
7. Individual Rights
You have the following rights under Cameroonian data protection principles:
- Right to Access – Confirm whether your personal data is processed.
- Right to Rectification – Correct inaccurate or incomplete personal data.
- Right to Erasure – Request deletion of your personal data.
- Right to Object – Object to processing for direct marketing or profiling.
- Right to Data Portability – Transfer your data elsewhere.
To exercise your rights, contact our Data Protection Officer through the contact information provided in the Platform. Kinsmen Advocates Law Firm
8. Data Security
We implement appropriate technical and organizational measures to ensure integrity, confidentiality, and security of your data, including access controls, encryption, and network safeguards. In the event of a security breach affecting personal data, we will notify affected data subjects and the relevant authority in accordance with legal requirements. Tech Hive Advisory
9. Third‑Party Disclosure
We may share personal data with:
- Regulatory authorities where required by law.
- Payment and financial service providers for deposits and withdrawals.
We do not sell personal data to third parties.
10. International Transfers
Where personal data is transferred outside Cameroon, we ensure appropriate safeguards or legal authorisations are in place as required by local law.
11. Cookies and Tracking
We may use cookies and other tracking technologies for operational, analytical, and security purposes. You may configure your browser settings to refuse cookies; however, this may affect Platform functionality.
12. Changes to Privacy Policy
We may update this Privacy Policy to reflect changes in legal requirements or Platform features. The updated Policy will be posted on the Platform with the “Last Updated” date.