eBesa Privacy Policy

Effective Date: January 21, 2025

At eBesa, we are committed to protecting your privacy and ensuring the security of your personal information. By using eBesa, you agree to the terms outlined in this policy.

1. Information We Collect

We collect the following types of information to provide and improve our services:

Personal Information

• Registration Data: Name, phone number, email address, date of birth, and identification documents (e.g., national ID, passport).
• Financial Data: Bank account details, transaction history, and payment information.
• Device Information: IP address, device type, operating system, and mobile network information.
• Location Data: Approximate location based on your IP address or GPS (if enabled).

Usage Information

• Transaction Data: Details of your transactions, including amounts, dates, and recipients.
• App Usage: How you interact with the eBesa app or website (e.g., pages visited, features used).
• Cookies and Tracking Technologies: We use cookies to enhance your experience and analyze usage patterns.

2. How We Use Your Information

We use your information for the following purposes:

• Service Delivery: To provide and maintain our services, including processing transactions and managing your account.
• Customer Support: To respond to your inquiries, resolve issues, and provide assistance.
• Security: To verify your identity, prevent fraud, and protect against unauthorized access.
• Improvements: To analyze usage trends and improve our services, features, and user experience.
• Communication: To send you updates, notifications, and promotional materials (with your consent).
• Compliance: To comply with legal and regulatory requirements, including anti-money laundering (AML) and counter-terrorism financing (CTF) laws.

3. How We Share Your Information

We may share your information with:

• Service Providers: Third-party partners who assist us in delivering our services (e.g., payment processors, cloud storage providers).
• Regulatory Authorities: As required by law or to comply with legal obligations.
• Business Partners: With your consent, we may share information with partners offering complementary services.
• Affiliates: With IBS Somali Bank and SomLink Telecom for operational and regulatory purposes.

We do not sell your personal information to third parties.

4. Data Security

We implement robust security measures to protect your data, including:

• Encryption: All sensitive data is encrypted during transmission and storage.
• Access Controls: Strict access controls limit who can view or process your information.
• Regular Audits: We conduct regular security audits to identify and address vulnerabilities.

5. Your Rights and Choices

You have the following rights regarding your data:

• Access: Request a copy of the personal information we hold about you.
• Correction: Update or correct inaccurate or incomplete information.
• Deletion: Request deletion of your data, subject to legal and regulatory requirements.
• Opt-Out: Opt out of receiving promotional communications at any time.

To exercise these rights, contact us at support@ebesa.com.

6. Data Retention

We retain your information only for as long as necessary to fulfill the purposes outlined in this policy or as required by law.

7. International Transfers

If your data is transferred outside Somalia, we ensure it is protected by appropriate safeguards and complies with applicable data protection laws.

8. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on our website, and we will notify you of significant updates through the app or email.

9. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us at:

• Email: support@ebesa.com
• Phone: +252 640 000 154
• Address: eBesa Headquarters, Mogadishu, Somalia