Privacy Policy

BIDIR HUB PRIVACY POLICY

Effective date: August 4, 2026
Last updated: August 4, 2026

1. INTRODUCTION

This Privacy Policy explains how DELIVERY & PORTFOLIO CONSULTING LTD (“Bidir Hub,” “we,” “us” or “our”) collects, uses, protects, retains and otherwise processes information when you use the Bidir Hub mobile application and related services.

Bidir Hub is a loan intermediary and loan product recommendation platform. Bidir Hub does not provide, issue, fund or approve loans. Independent financial institutions are responsible for their own loan products, approval decisions, agreements, disbursements and repayments.

By using Bidir Hub, you acknowledge the practices described in this Privacy Policy. Where consent is required by applicable law, we will request it before collecting or processing the relevant information.

2. ELIGIBILITY AND AGE REQUIREMENT

Bidir Hub is intended exclusively for people who are at least 18 years old.

You must not create an account or submit personal information if you are under 18. By registering, you confirm that you are at least 18 years old and legally capable of using the service.

3. INFORMATION WE COLLECT

3.1 Account and identity information

When you register or complete your profile, we may collect:

• Mobile phone number
• Full name
• Email address
• Date of birth or age
• Gender
• Residential or mailing address
• Account credentials and verification information

3.2 Employment information

We may collect information that you manually provide concerning:

• Employment status
• Employer or business name
• Occupation or job title
• Length of employment
• Income source
• Work address and related employment details

3.3 Financial and banking information

To assess your profile and recommend potentially suitable loan products, we may collect:

• Income information
• Regular expenses and financial obligations
• Bank name and account information
• Existing credit or loan information
• Requested financing information
• Other financial information entered by you

We do not publicly disclose bank or financial information.

3.4 Emergency contact information

We may ask you to manually provide an emergency contact’s:

• Name
• Relationship to you
• Phone number

You must inform the emergency contact before submitting their information and confirm that you are authorised to provide it.

Bidir Hub does not require access to or automatically copy your phone contacts. We do not use emergency contact information for advertising. We will not contact an emergency contact for debt collection on behalf of a lender.

3.5 Device, technical and usage information

When you use the app, we and our analytics service provider may automatically process limited technical information, including:

• Device type and operating-system version
• App version
• Language and general regional settings
• IP address
• Advertising identifier or similar permitted device identifier
• Installation source
• App launches, screens viewed and interaction events
• Crash, diagnostic and performance information
• Date and time of app activity

We do not use this information to read your contacts, photographs, videos, private messages or call history.

3.6 Communications and support information

If you contact us, we may collect your email address, phone number, message content, attachments and information needed to investigate and respond to your request.

4. INFORMATION AND PERMISSIONS WE DO NOT COLLECT

Bidir Hub does not access or collect information through the following restricted Android permissions:

• Phone contacts or address book
• Photos or videos
• Precise device location
• Call logs
• SMS history or private messages
• A device’s complete list of installed applications

Emergency contact and other profile information must be entered manually by the user.

5. HOW WE USE INFORMATION

We may use information to:

• Register, authenticate and maintain your Bidir Hub account
• Verify the information you submit
• Create and maintain your user profile
• Evaluate your submitted information and estimate your credit profile
• Recommend potentially suitable loan products
• Display loan products in the app
• Prevent fraud, impersonation, abuse and unauthorised access
• Protect users, our services and our legal rights
• Operate, maintain, troubleshoot and improve the app
• Measure app installations and understand app performance
• Respond to support requests and privacy enquiries
• Comply with applicable laws, court orders and regulatory obligations
• Enforce our terms and investigate suspected violations

We do not use emergency contact information for marketing.

6. AUTOMATED ASSESSMENT AND RECOMMENDATIONS

Bidir Hub uses information supplied by you to perform an automated assessment of your profile and recommend loan products that may be suitable for you.

This assessment is used only to generate product recommendations within Bidir Hub. It is not final loan approval, does not create a right to receive a loan and does not guarantee any specific interest rate, loan amount or repayment period.

Each lender independently determines eligibility and makes the final lending decision under its own policies and applicable law.

If you believe your profile information is incorrect, you may update it where the app allows or contact us using the details in Section 16.

7. LOAN PROVIDERS

Products presented through Bidir Hub may include products provided by Michu, Digaf MFI, Milkii, Efoyta and Abol.

These institutions operate independently from Bidir Hub. Their own terms and privacy policies apply when you interact directly with their services.

Bidir Hub does not sell, rent or provide users’ profile, banking, financial or emergency contact information to loan providers for their independent marketing.

If a future feature requires transmitting an application or personal information to a selected lender, we will first provide a clear disclosure identifying the recipient, the information involved and the purpose, and obtain the user’s affirmative authorisation where required. This Privacy Policy will be updated before such a feature is introduced.

8. ADJUST ANALYTICS

We use Adjust, a third-party analytics and attribution service, to understand app installations, app performance and general usage.

Adjust may process limited device and usage information on our behalf, such as an IP address, device information, advertising identifier, installation source, app interaction events and diagnostic information.

We do not intentionally send Adjust users’ names, manually entered emergency contacts, bank-account information or detailed financial-profile information.

Adjust acts as a technical service provider and must process information according to its contractual obligations and applicable privacy requirements. Users may reset or restrict their device advertising identifier through their Android device settings, where supported.

9. WHEN INFORMATION MAY BE DISCLOSED

We do not sell or rent personal information. We do not disclose private profile information to advertisers.

Information may be processed or disclosed only in the following limited circumstances:

• Service providers: Vendors such as hosting, security, communication and analytics providers may process only the information necessary to perform services for us and are subject to confidentiality and data-protection obligations.

• User-directed action: Information may be disclosed when you clearly request or authorise a specific transmission.

• Legal requirements: We may disclose information when reasonably required by applicable law, a valid court order, regulatory authority or lawful governmental request.

• Safety and fraud prevention: We may disclose limited information when necessary to investigate fraud, security incidents, abuse or threats to users’ rights and safety.

• Business reorganisation: If our company is involved in a merger, acquisition or transfer of assets, information may be transferred subject to appropriate confidentiality and privacy safeguards. Users will be notified where required by law.

Any service provider receiving information may use it only for the agreed service and not for its own unrelated advertising or commercial purposes.

10. LEGAL BASIS AND USER CONSENT

Depending on applicable law, we process information:

• To provide services requested by you
• With your consent
• To perform our contractual obligations
• To comply with legal obligations
• To protect our legitimate interests in security, fraud prevention and service improvement, provided those interests do not override your rights

You may withdraw consent by contacting us. Withdrawal does not affect processing that occurred lawfully before withdrawal and may prevent us from providing features that depend on the relevant information.

11. DATA RETENTION

We retain personal information only for as long as reasonably necessary to:

• Maintain your account and provide the service
• Complete the purposes described in this policy
• Resolve complaints and disputes
• Prevent fraud and protect system security
• Meet applicable legal, accounting and regulatory requirements

When information is no longer required, we will delete it, de-identify it or securely isolate it until deletion is technically possible.

Backup copies may remain for a limited period as part of normal disaster-recovery processes and will not be used for other purposes.

12. DATA SECURITY

We use reasonable administrative, organisational and technical safeguards designed to protect personal information, including access controls, restricted staff access, secure transmission methods, system monitoring and security reviews.

No internet transmission or storage system is completely secure. Therefore, we cannot guarantee absolute security. Users should protect their verification codes and account credentials and notify us promptly of suspected unauthorised access.

13. INTERNATIONAL PROCESSING

Some technical service providers may process information on servers located outside Ethiopia. Where this occurs, we require appropriate contractual, organisational and technical safeguards consistent with applicable privacy requirements.

We do not permit service providers to use personal information for unrelated purposes.

14. YOUR RIGHTS AND CHOICES

Subject to applicable law, you may request to:

• Access personal information held about you
• Correct inaccurate or incomplete information
• Delete your account and associated personal information
• Withdraw consent
• Object to or restrict certain processing
• Receive information about how your data is processed
• Request review of an automated recommendation
• Lodge a privacy complaint

We may need to verify your identity before completing a request. Some information may be retained when required by law, for fraud prevention or for resolving legal disputes.

To exercise these rights, email softt6echadev@hotmail.com with the subject “Bidir Hub Privacy Request.”

15. ACCOUNT AND DATA DELETION

You may request account deletion by using the deletion option in the app, if available, or by emailing:

softt6echadev@hotmail.com

Include the mobile number or email address associated with your account. Do not send passwords, verification codes or complete banking credentials by email.

After verifying the request, we will delete or de-identify eligible account information within a reasonable period, except for information that must be retained under applicable law or for legitimate fraud-prevention and dispute-resolution purposes.

16. CHILDREN’S PRIVACY

Bidir Hub is not designed for, marketed to or available to children under 18.

We do not knowingly collect personal information from children. A person under 18 must not register, submit a profile, provide emergency contact information or use any loan recommendation feature.

If we discover that information was collected from a child, we will suspend the associated account and delete the information, unless retention is legally required.

A parent or legal guardian who believes a child has provided information to Bidir Hub should contact softt6echadev@hotmail.com with the subject “Child Privacy Request.” We may request limited information to verify the request and locate the relevant account.

17. THIRD-PARTY SERVICES AND LINKS

Bidir Hub may display or link to independently operated lender services. We are not responsible for the privacy practices, security or content of independent third-party services.

Before providing information directly to a lender, users should review that lender’s privacy policy and loan terms.

18. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy to reflect changes in the app, law, technology or data-processing practices.

When changes are material, we will provide reasonable notice in the app or through another appropriate channel and update the “Last updated” date. Where required, we will request consent before applying a new use of personal information.

19. CONTACT US

For privacy enquiries, account deletion requests, complaints or questions, contact:

DELIVERY & PORTFOLIO CONSULTING LTD
1354 Bole Road
Aleta Wendo, Sidama Region 7229
Ethiopia

Email: softt6echadev@hotmail.com