Investor Protections
Our Commitment to Investor Protection
BantuHive is committed to maintaining the highest standards of investor protection through comprehensive regulatory compliance, robust operational safeguards, and transparent business practices designed to safeguard your interests.
Regulatory Framework Protection
SEC Ghana Oversight
- • Licensed investment advisory services
- • Regular regulatory examinations
- • Compliance with Securities Industry Act
- • Annual reporting to regulators
- • Professional conduct standards
Legal Protections
- • Standardized legal documentation
- • Clear investment terms and conditions
- • Shareholder rights protection
- • Corporate governance requirements
- • Dispute resolution mechanisms
Financial Safeguards
Client Money Protection
Segregated Accounts: All client funds are held in segregated bank accounts separate from BantuHive's operational funds, ensuring your money is protected even if the platform faces financial difficulties.
Authorized Financial Institutions: Client money is only held with SEC Ghana approved banks including Ghana Commercial Bank, Ecobank Ghana, and Standard Chartered Bank Ghana.
Daily Reconciliation: Client money balances are reconciled daily to ensure accuracy and detect any discrepancies immediately.
Insurance Coverage
- • Professional Indemnity Insurance: GHS 10 million coverage
- • Cyber Liability Insurance: GHS 5 million coverage
- • Directors & Officers Insurance: GHS 15 million coverage
- • Fidelity Insurance: Protection against employee fraud
- • Business Interruption Insurance: Operational continuity
Investment Safeguards
Due Diligence Process
Company Verification
- • Corporate registration verification
- • Management background checks
- • Financial statement review
- • Business model assessment
- • Legal compliance verification
Risk Assessment
- • Market analysis and validation
- • Competition assessment
- • Technology evaluation
- • Regulatory risk review
- • Exit strategy analysis
Investment Limits & Protections
Individual Investor Limits
- • Maximum annual investment: GHS 50,000
- • Maximum per campaign: GHS 10,000
- • Concentration limit: 20% of net worth
- • Mandatory cooling-off period: 48 hours
Suitability Assessment
- • Investment experience questionnaire
- • Risk tolerance evaluation
- • Financial situation assessment
- • Investment objectives review
Transparency & Disclosure
Mandatory Disclosures
Pre-Investment
- • Comprehensive risk warnings
- • Detailed company information
- • Use of funds breakdown
- • Management team details
- • Financial projections and assumptions
- • Platform fees and charges
Post-Investment
- • Quarterly progress reports
- • Annual financial statements
- • Material changes notification
- • Exit opportunity updates
- • Voting rights information
- • Performance metrics tracking
Technology & Security
Data Protection
- • 256-bit SSL encryption
- • SOC 2 Type II compliance
- • Multi-factor authentication
- • Regular security audits
- • GDPR-compliant data handling
- • Secure data backup and recovery
Platform Security
- • 24/7 system monitoring
- • Fraud detection algorithms
- • Regular penetration testing
- • Incident response procedures
- • Business continuity planning
- • Regular software updates
Investor Rights & Remedies
Shareholder Rights
Information Rights
- • Access to company financial records
- • Attendance at shareholder meetings
- • Regular progress updates
- • Material event notifications
Economic Rights
- • Dividend participation
- • Liquidation preferences
- • Anti-dilution protections
- • Tag-along rights
Complaint Resolution
Internal Process: BantuHive maintains a formal complaint handling procedure with designated staff and defined response times.
Step 1: Internal
Submit complaint to our customer service team (5 business days response)
Step 2: Escalation
Escalate to senior management if unresolved (10 business days)
Step 3: External
SEC Ghana or independent mediation/arbitration
Emergency Procedures
Platform Continuity Plans
Business Continuity
- • Alternative service providers identified
- • Client asset transfer procedures
- • Communication protocols
- • Recovery time objectives defined
Investor Access
- • Alternative platform access methods
- • Customer service hotline
- • Email-based transaction processing
- • Partner platform arrangements
Contact Investor Protection Team
Investor Protection Officer
BantuHive Ltd
Email: protection@bantuhive.com
Phone: +233 (0) 200 415 683
Hours: 8AM - 6PM (GMT)
Emergency Contact
24/7 Hotline: +233 (0) 244 123 456
Email: emergency@bantuhive.com
SEC Ghana
Phone: +233 (0) 302 768 970
Email: complaints@sec.gov.gh