Privacy
Policy.

01Information we collect

We collect information that is necessary, relevant, and proportionate to delivering regulated financial services. This may include:

Personal identification

• Full name
• Gender
• Date of birth
• National ID, Fayda ID, or other valid identification documents

Contact information

• Mobile phone number
• Email address
• Residential address

Financial information

• Income details
• Employment information
• Bank or mobile-money account data (where applicable)

Device and technical data

• Device model and operating system
• IP address
• App usage behaviour
• Log data for system security

Transaction information

• Loan application details
• Repayment records
• Account activity history

We only collect information that is necessary, relevant, and proportionate to the services provided.

02How we use your information

Your information is used strictly for legitimate financial-service purposes, including:

• Identity verification and authentication
• Credit assessment and risk evaluation
• Loan processing and account management
• Regulatory compliance and reporting
• Fraud prevention and system security
• Customer support and communication

We do not use your data for unrelated or unauthorised purposes.

03Data sharing & disclosure

We do not sell user data.

We may share limited information only under the following circumstances:

• With regulatory authorities (such as the National Bank of Ethiopia)
• With authorised financial partners involved in service delivery
• With service providers (e.g. IT systems, payment processing)
• When required by law or legal process

All third parties are required to comply with strict data-protection obligations and are bound by confidentiality terms.

04Your rights

Users have the right to:

• Access their personal information
• Request correction of inaccurate data
• Request deletion (subject to legal and regulatory retention requirements)
• Withdraw consent where applicable

Requests may be submitted through official contact channels listed below. We respond to data-rights requests within a reasonable time frame.

05Cookies & tracking

We may use cookies or similar technologies to:

• Improve the user experience
• Analyse system performance
• Enhance service functionality

These technologies do not collect unnecessary personal data. You may adjust cookie preferences through your device or browser settings.

06Data retention

We retain personal data only for as long as required:

• To fulfil service obligations
• To comply with legal and regulatory requirements
• To resolve disputes

After the applicable retention period, data is securely deleted or anonymised.

07Policy updates

We may update this Privacy Policy from time to time to reflect changes in our services, operations, or applicable regulations. Updated versions will be published on our official platforms. Continued use of our services after such updates indicates acceptance of the revised policy.

08Contact us

If you have questions about this Privacy Policy, wish to exercise your data rights, or want to raise a concern about how your information is handled, please contact us through the channels below: