When this policy mentions “we”, “us”, or “our”, it refers to the controller of your information under this policy. If you live in Ethiopia, the data controller responsible for your information is Chapa Financial Technologies S.C with its registered office at Woreda 03, Bole Sub-city, Addis Ababa, Ethiopia.

Despite this, you alone control and are responsible for any and every information provided to us through the use of our services as provided in the Terms of Service.

Notwithstanding which country you live in, when using any of our services, you consent to the collection, transfer, storage, and use of your information in Ethiopia as described in this privacy policy. This includes any information you choose to provide that is deemed sensitive under applicable law.

We respect the privacy of our online visitors and registered users and we will take reasonable steps to protect your information. It is our policy to respect your privacy regarding any information we may collect while operating our website.

Upon registration, we collect personal information which you voluntarily provided by lawful means. We collect and use personal information solely for fulfilling the purposes specified by us and for other additional purposes.

This refers to the personal information you submit when you register (e.g., email address, company name, password, bank account number, etc.) — it may also include anonymous information that is linked to you, for example, your IP address. It should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to-date.

The following lists what we use your personal information for. These may be updated from time to time:

Additional personal information may be obtained from third-party applications and other identification/verification services — for example, from your financial institution.

Once you begin to use our services, we keep all records of your transactions and we will not share or disclose your personal information with a third party without your consent.

We do not collect information from web visitors. We may however collect non-personally-identifiable information to enable us to target advertisements to you and monitor and improve our website and services. This too, will not be shared or disclosed to third parties without your consent.

We will protect your personal information by using global security safeguards against loss or theft, as well as against any unauthorized access, risk of loss, disclosure, copying, misuse, or modification. Other security measures include but are not limited to firewall, data encryption, and granting access only to employees in order to fulfill their job responsibilities.

We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained. We adhere to the regulation of the National Bank of Ethiopia (NBE).

Like many other websites, we use cookies to identify you as a user and to customize and improve our services. A cookie is a small data file that is transferred to your computer or mobile device. It enables us to remember your account log-in information, IP addresses, web traffic, number of times you visit, date, and time of visits.

Some browsers may automatically accept cookies while some can be modified to decline cookies or alert you when a website wants to place a cookie on your computer. If you do choose to disable cookies, it may limit your ability to use our website.

We will only retain personal information on our servers for as long as an account is active. Once an account has been deactivated, your information is stored on our servers for as long as necessarily obligated by law.

This policy may change from time to time at our sole discretion.