Mahder

Last Updated: December 9, 2025

1. Introduction

Welcome to the Mahder MSME application ("App"), operated by Ahadu Bank ("we," "us," or "our"). This App is designed to provide Micro, Small, and Medium Enterprises (MSMEs) with tools for financial management, including accounting, and access to financial products like loans and insurance.

We are committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal and business information when you use our App.

Please read this Privacy Policy carefully. By using the App, you agree to the collection and use of information in accordance with this policy. This is a template and not legal advice. You should consult with a legal professional to ensure compliance with all applicable laws.

2. Information We Collect

We may collect various types of information in connection with the services we provide, including:

2.1. Personal Identification Information (PII)

• Contact Details: Your full name, address, P.O. box, and mobile number.

• Identity Information: Gender, nationality, and National ID number (nid).

• Images: Photographs of documents and other in-app uploads (e.g., trade license photo) and your identity documents, which may be required for verification.

2.2. Business Information

• Company Details: Enterprise name, enterprise type, and industry.

• Registration Information: Trade license number, Taxpayer Identification Number (TIN), and business establishment year.

• Location Information: Woreda, address, and other administrative region details.

2.3. Financial Information

• Bank Details: Bank account number and bank branch information for processing transactions.

• Loan Information: Details of loan applications, including amount, tenure, status, and related documentation.

• Insurance Information: Details of insurance applications, policies, and claims.

• Transactional Data: Records of sales, purchases, expenses, and other financial transactions logged in the App.

2.4. Technical Information

• Device Information: We may collect information about your mobile device, including its security status (e.g., whether it is rooted or jailbroken) to ensure the security of our services.

• Push Notification Tokens: We use Firebase Cloud Messaging (FCM) to send you notifications. This requires collecting a unique device token.

• Network Status: We may check your device's network connectivity to provide a better user experience.

2.5. Credentials

• Authentication Information: User password, access tokens, and refresh tokens to secure your account and maintain your session.

3. How We Use Your Information

We use the information we collect for the following purposes:

• To Provide and Manage Services: To create and manage your account, provide the App's core features (accounting, reporting), and process your transactions.

• To Process Applications: To submit and manage your applications for loans, insurance, and other financial products that we offer.

• For Verification (KYC): To verify your identity and/or your business's identity to comply with legal and regulatory "Know Your Customer" (KYC) requirements.

• To Communicate With You: To send you service-related updates, security alerts, and support messages, including via push notifications.

• For Security: To prevent fraud, protect the security of our App and services, and detect and prevent violations of our terms.

• To Improve Our Services: To analyze how users interact with our App, troubleshoot issues, and develop new features.

4. How We Share Your Information

Your information is shared in the following ways:

• With Financial Partners: We share your information with our backend systems to process loan and insurance applications and to provide integrated financial services. All data is transmitted securely to endpoints, including http://ecashbookapi.ahadubank.com/.

• With Service Providers: We may share information with third-party vendors and service providers that support our business, such as:

  • Google Firebase: For providing push notification services. The use of this service involves sharing a device-specific token.

• For Legal Reasons: We may disclose your information if required by law, subpoena, or other legal process, or if we have a good-faith belief that disclosure is necessary to protect our rights, your safety, or the safety of others.

5. Data Storage and Security

• Data Storage: Your data is transmitted to and stored on secure servers. A portion of your data may also be stored locally on your device in a secure manner (using Hive) to allow for offline access and to improve App performance.

• Data Security: We implement strong security measures, including encryption (as suggested by the encrypt package in our codebase), to protect your data from unauthorized access, alteration, or disclosure. However, no method of transmission over the internet or electronic storage is 100% secure.

6. Your Rights and Choices

Depending on your jurisdiction, you may have certain rights regarding your personal information, such as the right to access, correct, or delete your data. You can manage some of your information directly within the App. For other requests, please contact us using the details below.

7. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected data from a child without parental consent, we will take steps to remove it.

8. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy within the App and updating the "Last Updated" date.

9. Contact Us

If you have any questions about this Privacy Policy, please contact us at: emi.tefera@gmail.com