This Privacy Policy outlines our policies and procedures regarding the collection, use, and disclosure of your information when you use our services. It also informs you of your privacy rights and how legal protections apply to you.

We use your personal data to deliver and enhance our services. By utilizing our services, you agree to the collection and use of information as described in this Privacy Policy.

Interpretation and Definitions

Interpretation

Words with the first letter capitalized have specific meanings under the conditions defined below. The definitions will apply regardless of whether the words are in singular or plural form.

Definitions

For the purposes of this Privacy Policy:

• Account: A unique account created for you to access our services or parts of our services.
• Affiliate: Any entity that controls, is controlled by, or is under common control with a party, where “control” means the ownership of 50% or more of the shares, equity interest, or other securities entitled to vote for directors or other managing authority.
• Application: Refers to AdoPay Digital Landing, the software provided by the Company.
• Company (referred to as either "the Company," "We," "Us," or "Our" in this Agreement): Refers to Dedebit Microfinance Institutions, Mekelle, Tigray, Ethiopia.
• Country: Refers to Ethiopia.
• Device: Any device capable of accessing the service, such as a computer, cellphone, or digital tablet.
• Personal Data: Information that relates to an identified or identifiable individual.
• Service: Refers to the Application.
• Service Provider: Any natural or legal person who processes data on behalf of the Company. These third parties assist in facilitating the service, providing the service, or analyzing its use.
• Usage Data: Data collected automatically, generated by the service's usage or the service infrastructure itself (e.g., duration of page visits).
• You: The individual using the service or the company/legal entity on whose behalf the individual is accessing the service.

Collecting and Using Your Personal Data

Types of Data Collected

• Personal Data: We may request personally identifiable information, including but not limited to:
  • ○ First Name, Middle Name, Last Name
  • ○ Gender
  • ○ Birth Date
  • ○ Marital Status
  • ○ Personal Address, Region, City, Zone/Sub-City, Woreda, House Number
  • ○ Type of ID and ID Number
  • ○ Tax Identification Number (TIN)
  • ○ Account Number
  • ○ Business Sector and Line of Business
  • ○ Other business and financial information, such as Annual Sales, Starting Capital, Annual Profit, etc.
• Usage Data: Automatically collected information when using the service, such as the type of device used, IP address, browser type, unique device identifiers, and other diagnostic data.
• Information Collected while Using the Application: With your permission, we may collect:
  • ○ Location data
  • ○ Phone book contacts
  • ○ Photos and media files
  You can enable or disable access to these features through your device settings.

Use of Your Personal Data

The Company may use your Personal Data for various purposes, including but not limited to:

• Providing and maintaining the service
• Managing your account
• Fulfilling contractual obligations
• Contacting you regarding updates, promotions, or service-related information
• Managing your requests and inquiries
• Analyzing and improving our services
• Legal purposes, such as mergers or compliance with law enforcement

Retention of Your Personal Data

We will retain your Personal Data for as long as necessary to fulfill the purposes outlined in this policy. Retention may be extended to comply with legal obligations or to resolve disputes.

Transfer of Your Personal Data

Your data may be processed at the Company's operational offices or transferred to other locations where service providers are based. By using the service, you agree to the transfer of your data in compliance with applicable security protocols.

Disclosure of Your Personal Data

• Business Transactions: If the Company is involved in a merger, acquisition, or sale, your data may be transferred.
• Law Enforcement: We may disclose your data if required by law.
• Other Legal Requirements: Data may be disclosed to protect our legal rights, investigate wrongdoing, or safeguard users.

Security of Your Personal Data

We take the security of your data seriously and use commercially acceptable methods to protect it. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute protection.

Children's Privacy

Our services are not intended for individuals under the age of 18. If we become aware that we have collected personal data from individuals under 18, we will take steps to delete it.

Loan Products

We offer various loan products to meet your financial needs. Below is a detailed list of our available loan products:

Links to Other Websites

Our service may contain links to third-party websites. We do not control or assume responsibility for the privacy policies or content of these websites.

Changes to this Privacy Policy

We may update this policy periodically. You will be notified of significant changes via email or through a notice on our service. The updated policy will be effective once posted.

Contact Us

For any questions about this Privacy Policy, please contact us at:

• Phone: +251 924793826
• Email: help@decsimfi.com