This Privacy Policy applies to CBE CONNECT, its affiliates and related companies, and explains how we collect, manage, and use Personal Information, including but not limited to Personal Information collected on our websites, mobile applications, via email, or cloud-based services. By “Personal Information” we mean information that is associated with a specific person and can be used to reasonably identify that person.

It describes how we collect, use, disclose and protect that Personal Information as of the date this Privacy Policy is posted.

We are committed to respecting the privacy of your Personal Information. We appreciate that individuals are concerned about the security of their Personal Information and will take reasonable measures to protect Personal Information in our custody or control.

The Websites may also contain links to third party websites. These linked sites are not under our control and we are not responsible for content on these sites, nor are these sites subject to this Privacy Policy. Before disclosing your personal information on any third-party website we recommend that you examine the terms and conditions and privacy policy of that site.

Contacting Us

For questions about this Privacy Statement or our use of your personal information, please contact our Data Protection Officer at CBEcontactcenter@cbe.com.et. For general questions about the service, your account, or customer support, please contact our customer service team via the app or website.

1 : Our Collection, Use, and Disclosure of Personal Information

The Personal Information We Collect

We collect the following categories of personal information about you:

• Personal details: When you create a CBE CONNECT account or make a transaction on the platform, we collect your contact information (such as your email address) and authentication information for your login (such as a password). Depending on how you set up your account, the transaction type, and which features you use, we may also collect one or more of the following: first and last name, phone number, and other identifiers you provide to us.
• Payment details: We collect your payment details and other information to process your transactions, including your transaction history, phone number, and virtual cards you have created.
• CBE CONNECT account/profile information: We collect information that is associated with your CBE CONNECT account (such as profile name, feedback you provide for our services, ecommerce activity, account settings, and preferences) in connection with your use of the services.
• Usage information: We collect information about your interaction with the service, choices made when engaging with many features of the CBE CONNECT platform, ecommerce activity, and other information about your use and interaction with the service (such as app clicks, text input, time and duration of access, and similar functionality).
• Advertising information: We collect information about the ads on the CBE CONNECT app (2Advertisements ) that you view or interact with, and device information. We use this information to show relevant advertisements to you in the service, which may include behavioral advertising in accordance with your preferences.

Where We Collect Personal Information From

We collect your personal information from the following sources:

• Directly from you: When you register with the service, update your account, correspond with us, or respond to our surveys, you may provide (and we will collect) the following categories of personal information: personal details, payment details, CBE CONNECT account information, and communications.
• Automatically when you use our service: We automatically collect the following categories of personal information in connection with your use of the service: CBE CONNECT account information, usage information, advertising information, device and network information, and communications.
• Publicly available sources such as public posts on social media platforms (for example, where you have tagged CBE CONNECT in a publicly available social media post, or shared or liked content we have made available on social media).

How We Use Your Personal Information

We use your personal information to provide, maintain, improve, and promote our service, and to communicate with you. This involves using the categories of personal information listed above for the following purposes:

• •To provide our service including all features and functionalities, websites and apps, user interfaces, and services and software associated with the service. This includes personalized recommendations that we think will be of interest to you.
• •To administer and operate our business including purposes such as processing payments and any virtual cards you create, sending transactional communications to you. information about changes to your account, responding to your inquiries and requests, and assisting you with operational requests such as password resets.
• •To research, analyze, and improve our services such as analyzing and understanding our customers to improve our services and optimize our service delivery.
• •To send marketing and informational messages including news and promotional communications about our service, new features, and special offers.
• •For safety, security, and fraud prevention including to secure our systems, protect our business, and to investigate, prevent, and detect prohibited or illegal activities and other security/technical issues.
• •To comply with law and enforce our Terms of Use including to satisfy applicable law, regulation, legal process, or governmental request, and to protect against harm to the rights, property or safety of CBE CONNECT, its users or the public, as required or permitted by law.

We may collect your device’s location data (GPS, IP address, or network-based location) for the following purposes:

• KYC (Know Your Customer) Compliance: To verify your identity, prevent fraud, and meet regulatory requirements.
• Service Delivery: To provide location-based features (Agent locator /ATM locators) and optimize service efficiency.
• Marketing & Personalization: To deliver tailored promotions, offers, or advertisements based on your region.
• Fraud Detection & Risk Scoring: To identify suspicious activity, assess risk, and prevent or mitigate fraudulent transactions and account takeover attempts.
• Location-based Analytics: To analyze regional usage patterns and improve the availability, performance, and relevance of our services.
• Emergency & Safety Services: To provide location-based support or safety alerts when needed (for example, to assist with emergency requests).
• Legal & Compliance: To respond to legal requests, comply with applicable laws, and assist with investigations as required by law.

Who We Disclose Personal Information To

We may disclose your personal information to the following parties:

• Our sister companies: We may share your personal information among our group of companies as needed to provide the service, operate and administer our business, improve and analyze our services, enable partner integrations and promotions, send marketing and informational messages, operate our ad-supported offerings, prevent fraud, and comply with legal obligations.
• Partners: If you have a relationship with one or more of our Partners, we may share certain personal information with them to fulfill your requests in compliance with applicable law.
• Our marketing providers: When we market CBE CONNECT on third party services, some of those services, as well as the Marketing Service Providers that we use to purchase, deliver, optimize, or measure our marketing (collectively “our Marketing Providers”), may receive information from us.

2: Your Rights and Controls

Your Privacy Rights

Access, correct, update, or delete your personal information: You have a right to confirm whether we process your personal information and to access and receive a copy of the personal information we process about you. You may also correct or update out-of-date or inaccurate personal information or request that we delete personal information that we hold about you.

Right to complain: You have the right to complain to a data protection authority about our processing of your personal information but we encourage you to first contact us with any questions or concerns.

Communication and Marketing Preferences

Email and Text Messages. If you no longer want to receive certain communications from us via email or text message, please access the “Notification settings” option for the relevant profile within the “Account” section of our website.

Push Notifications. You can choose to receive mobile push notifications from CBE CONNECT. We will send you push notifications from time to time in accordance with any notification preferences you have set on your mobile device. If you later decide you no longer want to receive these notifications, you can use your mobile device’s settings to turn them off.

D: Cookies and Internet Advertising

Use of Cookies

We, our Service Providers, CBE CONNECT Marketing Providers, and advertising companies use cookies, similar technologies, and resettable device identifiers for various purposes including analytics, personalization, and advertising.