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 (Advertisements) 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.
• Automatically when you use our service: We automatically collect usage information, advertising information, device and network information, and communications.
• Publicly available sources: Such as public posts on social media platforms where you have tagged CBE CONNECT or shared our content.

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 includes:

• Service Provision: Providing all features, personalized recommendations, and user interfaces.
• Business Administration: Processing payments, sending transactional communications, and responding to inquiries.
• Research & Optimization: Analyzing customer behavior to improve service delivery.
• Marketing: Sending news, promotional communications, and special offers.
• Safety & Security: Fraud prevention, securing systems, and detecting prohibited activities.
• Legal Compliance: Satisfying applicable laws, regulations, and enforcing our Terms of Use.
• Location Data: We may collect GPS, IP address, or network-based location for KYC compliance, service delivery (ATM/Agent locators), marketing personalization, and fraud detection.

Who We Disclose Personal Information To

We may disclose your personal information to the following parties:

• Our sister companies: Shared among our group as needed to provide services, analyze performance, and comply with legal obligations.
• Partners: Shared with partners with whom you have a relationship to fulfill your specific requests.
• Our marketing providers: Third-party services used to purchase, deliver, optimize, or measure our marketing efforts.
• Identity Verification & Compliance Providers: To ensure compliance with applicable regulatory requirements, including Know Your Customer (KYC), Anti-Money Laundering (AML), and fraud prevention obligations, CBE Connect may share certain personal information with trusted third-party service providers, such as ComplyCube, solely for identity verification and compliance checks.
  • 1.1

    Personal data shared for this purpose may include identification information (such as full name, date of birth, and government-issued ID), biometric data (such as facial images for verification), and other relevant verification details.

  • 1.2

    Such data is processed by these third-party providers strictly on behalf of CBE Connect for verification purposes only and is not stored or retained by the third party beyond what is necessary to complete the verification process.

  • 1.3

    CBE Connect ensures that all third-party processing is conducted in accordance with applicable data protection laws, with appropriate safeguards in place to protect your personal information.

2: Your Rights and Controls

Your Privacy Rights

Access, correct, update, or delete: You have the right to confirm, access, and receive a copy of your personal information. You may also correct inaccurate data or request deletion.

Right to complain: You have the right to complain to a data protection authority, though we encourage you to contact us first.

Communication and Marketing Preferences

Email and Text Messages: Opt-out via the “Notification settings” in the “Account” section of our website.

Push Notifications: Manage these via your mobile device’s system settings.

3: Cookies and Internet Advertising

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.