Privacy Policy

Comfy Plus Technologies (United States) and Teralogic Software Solutions, Ltd. (Ghana) (collectively, “Company”, “we”, “our”, or “us”) operate the marketplace platform Bibia247.com (the “Platform”).

We are committed to protecting your privacy and ensuring that your personal data is handled in a safe and responsible manner in accordance with applicable laws in the United States and Ghana, including the Ghana Data Protection Act, 2012 (Act 843).

By accessing or using Bibia247.com, you agree to the terms of this Privacy Policy.

1. Information We Collect

We collect information to provide, operate, and improve our marketplace services.

1.1 Personal Information

We may collect the following personal information:

• Full name
• Email address
• Phone number
• Billing and shipping address
• Account login credentials
• Business name (if applicable)
• Identification documents (for verification where required)

For sellers and merchants, we may also collect:

• Business registration details
• Tax identification numbers
• Bank account or mobile money details (e.g., MTN MoMo)
• Payment settlement information

1.2 Transaction Information

We collect information related to transactions conducted on Bibia247.com, including:

• Products purchased or sold
• Order history
• Payment details
• Shipping and delivery information
• Returns and refunds

1.3 Automatically Collected Information

When you use our Platform, we may automatically collect:

• IP address
• Device and browser type
• Operating system
• Usage behavior and interaction data
• Approximate location data
• Log files

1.4 Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Maintain user sessions
• Store preferences
• Analyze platform usage
• Improve functionality and performance

You may disable cookies through your browser settings; however, some features of the Platform may not function properly.

2. How We Use Your Information

We use your information for the following purposes:

• To create and manage user accounts
• To facilitate transactions between buyers and sellers
• To process payments, payouts, and refunds
• To provide customer support
• To improve platform performance and user experience
• To detect, prevent, and investigate fraud or illegal activities
• To comply with legal and regulatory requirements
• To send service notifications and updates
• To provide marketing communications (where permitted)

3. Legal Basis for Processing

Where applicable, we process personal data based on:

• Your consent
• Performance of a contract (e.g., completing transactions)
• Compliance with legal obligations
• Legitimate business interests

Under Ghana’s Data Protection Act, 2012 (Act 843), we ensure that personal data is processed lawfully, fairly, and for specific purposes.

4. Sharing and Disclosure of Information

We may share your information with:

4.1 Service Providers

Third parties that support our operations, including:

• Payment processors (e.g., card networks, mobile money providers)
• Cloud hosting providers
• Analytics providers
• Fraud detection services
• Logistics and delivery partners

4.2 Marketplace Participants

Information may be shared between buyers and sellers as necessary to complete transactions (e.g., shipping details, contact information).

4.3 Legal and Regulatory Authorities

We may disclose your information if required to:

• Comply with applicable laws or legal processes
• Enforce our terms and policies
• Protect the rights, safety, and security of users and the platform
• Prevent fraud or abuse

5. International Data Transfers

Because Bibia247.com operates across the United States and Ghana, your personal data may be transferred and processed in multiple jurisdictions.

We implement appropriate safeguards to ensure your data remains protected in accordance with applicable laws.

6. Data Retention

We retain your personal data only for as long as necessary to:

• Fulfill the purposes outlined in this Privacy Policy
• Comply with legal and regulatory obligations
• Resolve disputes
• Enforce agreements

7. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your information, including:

• Encryption of sensitive data
• Secure server infrastructure
• Access control and authentication mechanisms

Despite these measures, no system is completely secure, and we cannot guarantee absolute security.

8. Your Privacy Rights

Depending on your location, you may have the right to:

• Access your personal data
• Request correction of inaccurate data
• Request deletion of your data
• Object to certain data processing activities
• Withdraw consent where applicable

Ghana Users

You may also file complaints with:

Data Protection Commission (Ghana)
Website: www.dataprotection.org.gh

U.S. Users (including California)

You may have additional rights under applicable state laws, including the right to request access, deletion, and information about how your data is used.

9. Children’s Privacy

Bibia247.com is not intended for individuals under the age of 18.

We do not knowingly collect personal data from children. If we become aware that such data has been collected, we will delete it promptly.

10. Third-Party Services

Our Platform may contain links to third-party websites or services.

We are not responsible for the privacy practices or content of those third parties. Users should review their privacy policies independently.

11. Changes to This Privacy Policy

We may update this Privacy Policy periodically.

When changes are made, we will update the Last Updated date and may notify users through the Platform or other communication channels.

Continued use of Bibia247.com after updates constitutes acceptance of the revised policy.

12. Contact Information

If you have questions or concerns about this Privacy Policy, please contact:

United States

Ghana