1. Information We Collect
1.1 Personal Information
We collect information that you provide directly to us, including:
- Contact information (name, email address, phone number)
- Business information (company name, business type, financial data)
- Account credentials (username, password)
- Payment information (billing details, transaction history)
- Communication records (emails, messages, support tickets)
1.2 Automated Information Collection
When you use our services, we automatically collect:
- Device information (IP address, browser type, device type)
- Usage data (pages visited, time spent, features used)
- Location data (general location based on IP address)
- Cookies and similar technologies
1.3 Information from Third Parties
We may receive information about you from:
- Business partners and service providers
- Social media platforms (when you connect your accounts)
- Publicly available sources
- Referral programs
2. How We Use Your Information
2.1 Service Provision
We use your information to:
- Provide and maintain our financial services
- Process transactions and payments
- Create and manage your account
- Deliver personalized financial plans
- Communicate about your account and services
2.2 Business Operations
Your information helps us:
- Improve our services and develop new features
- Conduct research and analysis
- Ensure security and prevent fraud
- Comply with legal obligations
- Manage our business operations
2.3 Marketing and Communications
With your consent, we may:
- Send promotional materials and offers
- Personalize advertising content
- Conduct surveys and market research
- Notify you about updates and new features
3. Data Protection & Security
3.1 Security Measures
We implement comprehensive security measures including:
- SSL/TLS encryption for data transmission
- Secure servers with regular security updates
- Access controls and authentication protocols
- Regular security audits and penetration testing
- Employee training on data protection
3.2 Data Processing
We process your data in accordance with:
- General Data Protection Regulation (GDPR)
- California Consumer Privacy Act (CCPA)
- Other applicable data protection laws
- Industry best practices
3.3 International Data Transfers
When transferring data internationally, we ensure:
- Adequacy decisions where applicable
- Standard contractual clauses
- Appropriate safeguards are in place
- Compliance with local regulations
4. Data Retention
4.1 Retention Periods
We retain your information for as long as necessary to:
- Provide services and maintain your account
- Comply with legal obligations
- Resolve disputes and enforce agreements
- Maintain business records
4.2 Deletion Procedures
When we delete your information, we:
- Permanently remove data from active systems
- Archive data when required for legal purposes
- Ensure secure deletion from backups
- Provide confirmation of deletion upon request
5. Your Rights
5.1 Access and Control
You have the right to:
- Access your personal information
- Correct inaccurate data
- Request deletion of your data
- Restrict or object to processing
- Data portability
- Withdraw consent
5.2 Exercising Your Rights
To exercise your rights, you can:
- Use your account settings dashboard
- Contact our data protection officer
- Email us at [email protected]
- Use our automated request system
5.3 Response Time
We will respond to your requests within:
- 30 days for most requests
- 90 days for complex requests
- We may require verification of identity
- No fee for standard requests
6. Cookies & Tracking Technologies
6.1 Types of Cookies
We use different types of cookies:
- Essential cookies: Required for basic functionality
- Analytics cookies: Help us improve our services
- Marketing cookies: Used for advertising purposes
- Preference cookies: Remember your settings
6.2 Cookie Management
You can control cookies through:
- Browser settings and preferences
- Our cookie consent banner
- Opt-out tools for specific services
- Private browsing modes
6.3 Third-Party Tracking
We work with partners who may use:
- Google Analytics for website analytics
- Facebook Pixel for advertising
- Hotjar for user behavior analysis
- Other marketing and analytics tools
7. Third-Party Services
7.1 Service Providers
We share information with trusted service providers:
- Payment processors (Stripe, PayPal)
- Cloud hosting providers (AWS, Google Cloud)
- Communication platforms (Twilio, SendGrid)
- Analytics and marketing services
7.2 Business Partners
We may share information with:
- Financial institutions and banks
- Business consultants and advisors
- Legal and regulatory bodies
- Merger or acquisition partners
7.3 Legal Requirements
We may disclose information when required by:
- Court orders or legal processes
- Government requests
- Regulatory requirements
- To protect our rights and safety
8. Changes to This Policy
8.1 Policy Updates
We may update this policy to reflect:
- Changes in our services
- Legal and regulatory requirements
- Industry best practices
- User feedback and needs
8.2 Notification of Changes
We will notify you of significant changes through:
- Email notifications
- Website banners and pop-ups
- Account dashboard notifications
- Updated revision dates
8.3 Acceptance of Changes
By continuing to use our services after changes, you:
- Accept the updated privacy policy
- Agree to the new terms and conditions
- Acknowledge the changes made
9. Contact Us
9.1 Data Protection Officer
For privacy-related concerns, contact our DPO:
- Email: [email protected]
- Phone (USA): +1 (240) 418-2014
- Phone (Ethiopia): +251 919405905
- Address: 123 Business District, Addis Ababa, Ethiopia
- Hours: Monday-Friday, 9:00 AM - 5:00 PM EAT
9.2 General Inquiries
For general questions about this policy:
9.3 Regulatory Authority
You have the right to lodge complaints with:
- Best Data Protection Authority
- Other relevant supervisory authorities
- Industry regulatory bodies
