Privacy Policy

Effective Date: October 14, 2024

Privacy Policy

EPhone FinTrack ("we," "our," or "us") operates the EPhone FinTrack platform (the "Service"). This document outlines our policies regarding the collection, use, and disclosure of your personal information in compliance with Ethiopia’s Personal Data Protection Proclamation No. 1321/2024, GDPR, and other international data protection laws.

We use your data to provide and improve our Service. By using the Service, you consent to the collection and use of information in accordance with this policy. The terms used in this Privacy Policy have the same meanings as in our Terms of Service unless otherwise defined.

Definitions

Service: The EPhone FinTrack platform, operated by EPhone.
Personal Data: Information that identifies a living individual, as defined under Ethiopia’s Data Protection Law (1321/2024) and GDPR.
Usage Data: Data collected automatically, generated by the use of the Service or from the Service infrastructure itself.
Cookies: Small files stored on your device.

Information Collection and Use

We collect and use the following data to provide and improve the Service:

1. Personal Data

While using the Service, you may be asked to provide personally identifiable information, including but not limited to:

Phone number
SMS data related to financial transactions (e.g., account balances, transactions)
Payment details for paid features

2. Usage Data

We collect diagnostic data automatically when you use the Service, such as:

Device type
IP address
Browser type
Operating system
Usage patterns

3. Cookies

Cookies are used to:

Improve your experience
Enable certain functionality (e.g., saving preferences)
Analyze usage for performance improvements You can manage or disable cookies through your browser settings.

Use of Data

We use the data collected for:

Service Delivery: To provide and maintain the Service, including generating spending insights from SMS data.
User Support: To assist with queries and technical issues.
Improvement: To analyze usage trends and enhance Service features.
Security: To monitor and address security concerns.
Compliance: To adhere to applicable legal and regulatory requirements, including Ethiopia’s Data Protection Law (1321/2024) and GDPR.

Data Security

We prioritize the security of your data. While we strive to use commercially acceptable methods to protect your Personal Data, no method of transmission over the Internet or electronic storage is 100% secure.

Storage: Personal Data is stored within secure servers in compliance with Ethiopia’s Data Protection Law and GDPR.
Access Controls: Data is accessible only to authorized personnel for specified purposes.

Data Sharing

We may share your data with:

Service Providers: Third-party vendors assisting in delivering our Service, bound by confidentiality agreements.
Law Enforcement: If required by Ethiopian or international laws, such as for fraud prevention or legal investigations.

User Rights

Under Ethiopian law (1321/2024) and GDPR, you have the following rights:

Access: Request a copy of your personal data.
Correction: Rectify inaccurate or incomplete data.
Deletion: Request removal of your personal data.
Processing Restrictions: Object to or limit how your data is used.
Data Portability: Transfer your data to another service provider. To exercise these rights, contact us at contact@ephone.app.

Children’s Privacy

Our Service is not intended for users under 18. If we discover that a minor has provided us with Personal Data, we will delete it promptly.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. You are encouraged to review it periodically.

Contact Us

For questions about this Privacy Policy:

Email: contact@ephone.app
Phone: +1 307 763 0187

Terms of Service

Effective Date: October 14, 2024

By accessing or using the EPhone FinTrack platform ("Service"), you agree to these Terms of Service. These terms comply with Ethiopia’s Personal Data Protection Law (1321/2024), GDPR, and other international data protection regulations.

1. Use of Service

You may use the Service only for lawful purposes and in compliance with these Terms. Unauthorized use is strictly prohibited.

2. Account Creation

To use certain features of the Service, you may need to create an account. You are responsible for:

Maintaining the confidentiality of your account.
Ensuring the accuracy of information provided.

3. Payment

Certain features may require payment. Payment terms include:

Fees for additional services (e.g., access to insights from multiple banks).
Payments processed securely through integrated payment gateways.

4. Intellectual Property

All content and materials on the Service, including trademarks, are the property of EPhone FinTrack. Reuse or distribution without explicit permission is prohibited.

5. Data Protection & Compliance

We process and store personal data in accordance with Ethiopian Data Protection Law (1321/2024), GDPR, and other relevant regulations. You have the right to control how your data is collected, processed, and stored.

6. Termination

We reserve the right to suspend or terminate your access to the Service without notice if you violate these terms or engage in unlawful activities.

7. Limitation of Liability

EPhone FinTrack is not liable for:

Indirect or incidental damages arising from the use of the Service.
Data inaccuracies or losses beyond our control.

8. Compliance with Ethiopian & International Laws

These Terms are governed by Ethiopia’s Data Protection Law (1321/2024), GDPR, and other relevant legal frameworks.

9. Changes to Service

We reserve the right to modify or discontinue the Service at any time. Users will be notified of significant changes.

10. Contact Us

For questions regarding these Terms:

Email: contact@ephone.app
Phone: +1 307 763 0187

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