Privacy Policy

Equb Manager (“we,” “us,” or “our”) is a digital platform that helps Equb managers organize groups, manage members, track contribution payments, record rounds and winners, and maintain related records. The service is operated by [Legal Business Name], currently being established in Ethiopia. The legal operator's name and registration details will be updated when confirmed. This Privacy Policy explains how we collect, use, store, disclose, and protect personal information when you use our website, mobile application, agent portal, administrative services, and Telegram-based services.

Depending on how you use Equb Manager, we may collect: Account and contact information: name, phone number, email address, Telegram username, login details, and account identifiers. Equb records: group names, member details, contribution amounts, payment status and history, rounds, winner selections, and related notes. Workspace information: workspace settings, subscription plan, activation information, expiry status, and account activity. Agent information: agent account details, client assignments, commission records, subscription-related information, and payout requests. Financial records: contribution amounts, dates, payment status, relevant bank names or account details entered by users, and extracted payment information. Device and technical information: device information, application version, diagnostic information, and technical data needed to operate and secure the service. Identity verification information: identity details or verification information where an applicable verification process is offered or required. Communications: information you send to us through email, Telegram, support requests, or other contact channels. Please avoid entering passwords, PINs, full payment-card credentials, or unrelated sensitive information into Equb Manager.

Some features can read bank SMS messages or process bank statements to help identify and record Equb contributions. Based on the current feature design: Processing takes place on your device. You must opt in to or grant the relevant permission for these features. The app extracts relevant payment information to create or update records. The platform retains and synchronizes extracted payment records rather than the original SMS messages or statement files. These details must be verified against the actual implementation before publication. We do not ask for your bank password, PIN, or online banking credentials to use these features.

We use information as necessary to:

1. Create and manage accounts and workspaces. 2. Activate access and provide subscription features. 3. Maintain Equb group, member, contribution, payment, round, and winner records. 4. Synchronize workspace records across supported devices. 5. Provide agent onboarding and support. 6. Calculate eligible agent commissions and manage payout requests. 7. Process subscriptions and related payment administration through applicable providers. 8. Send account, activation, subscription, security, and service notices. 9. Respond to questions, privacy requests, complaints, and deletion requests. 10. Protect the service, investigate suspected fraud or abuse, and enforce our Terms of Service. 11. Comply with applicable legal obligations and resolve disputes.

We will not use personal information for unrelated purposes without an appropriate legal basis or consent where required.

Access depends on the account, workspace, and role: Workspace managers can access and manage records within their workspaces and are responsible for how they use and share those records.

Equb Manager administrators may access information when reasonably necessary for platform operation, technical support, security, troubleshooting, or legal compliance.

Agents have limited access for their assigned onboarding or support responsibilities. When an agent's relationship with a client ends, their access should be revoked without deleting the client's workspace.

Members may receive individual access if and when member-facing access features are introduced. Do not assume that workspace records are visible only to the manager. Authorized platform administrators may need access to provide the service.

We may share relevant information with:

Hosting and database providers, including Vercel and the configured database service, to operate the website, portals, and cloud synchronization.

Email service providers, including the configured SMTP provider, to deliver service-related emails.

Telegram, when you interact with our Telegram bot, contact an agent through Telegram, or use Telegram-based onboarding or support.

Payment service providers, where applicable, to process subscription payments or agent payouts. Identity verification providers, if verification is offered through an external provider.

Professional advisers, regulators, courts, or public authorities, where required by law or reasonably necessary to protect rights, safety, and security.

We do not sell personal information to advertisers. We do not share information with third parties for their independent marketing without an appropriate basis.

Some service providers may process information outside Ethiopia. International transfers will be handled subject to applicable legal requirements and appropriate safeguards.

Agent Telegram usernames may be displayed publicly and to clients so that users can find or contact agents. Other contact details, such as a phone number, may be displayed to authorized clients where the platform makes that information available.

Agents are responsible for keeping their contact details accurate and for handling client information confidentially.

Some information is stored locally on your device, while workspace and account information may be stored in cloud systems to provide synchronization and platform services.

We use reasonable measures intended to protect information against unauthorized access, loss, misuse, alteration, and disclosure. No online service or storage system can be guaranteed to be completely secure.

The actual hosting locations, access controls, encryption practices, retention settings, and provider-level recovery copies must be verified against the deployed system.

We generally retain account and workspace records until an authorized workspace manager requests deletion, subject to applicable legal, security, accounting, and dispute-resolution requirements.

An expired subscription does not automatically delete a workspace. An expired workspace may become read-only while its records remain available.

Information may be retained for a reasonable period where necessary to comply with law, investigate security incidents, resolve disputes, or enforce our agreements. Provider-managed copies or residual technical records may remain for a limited period according to applicable provider retention practices.

Subject to applicable law and verification of your identity or authority, you may request to:

Access or obtain a copy of your personal information. Correct inaccurate personal information. Export workspace records using available export functionality.

Request deletion of your workspace and associated Equb records.

Raise a concern about how your information is handled. Withdraw consent for optional processing where withdrawal is available and does not affect processing already lawfully performed.

Send requests to equbmanager@gmail.com or contact Equb Manager through its official Telegram channel at [@equbmanager — verify official link before publication]. Workspace-deletion requests must be made by the account holder or an authorized workspace manager. We will verify the request and process it within a reasonable period. Necessary legal, security, or dispute-related information may be retained where permitted or required by law.

Where a workspace contains information about other people, the manager must have an appropriate basis for providing that information and must respect the rights of the individuals concerned.

Equb Manager is intended for people aged 18 or older. Do not create an account or provide personal information through the service if you are under 18. If we become aware that we have collected information from a person under 18 contrary to applicable requirements, we will assess the appropriate steps.

If you believe personal information has been exposed, accessed without authorization, or mishandled, contact us through equbmanager@gmail.com or our official Telegram channel.

We will review the report, investigate as appropriate, and take reasonable corrective action. Where required by applicable law, we will provide notifications to affected individuals or relevant authorities.

We may update this Privacy Policy when the service, law, or our practices change. We will publish the revised policy on our website and may notify users through email or the application where appropriate. We will provide advance notice of significant changes where reasonably practicable and obtain additional consent where required.

For privacy questions, data access, correction, export, deletion, or complaints:

Equb Manager Email: equbmanager@gmail.com Website: https://equbmanager.et Telegram: https://t.me/equbmanager Legal operator: Beamlak Tadesse Business address: Addis Abab, Ethiopia