Privacy Policy
Mesob Equb app and website · Effective and last updated: 30 September 2026
This policy explains what personal data Mesob Equb collects, why we collect it, who we share it with, how long we keep it and the choices you have. It applies to the Mesob Equb Android app (com.mesobequb.app), the Mesob Equb web app at app.mesobequb.com and our website mesobequb.com, together called "the App".
- We collect only what we need to run your equbs: your account and contact details, your address, your payment references and receipts, and your equb activity.
- We do not sell your data. The App has no advertising and no third-party analytics or tracking.
- We share data only with the service providers that help us run the App, with the members of your own equb where the equb requires it (your name and draw results), and with authorities when the law requires it.
- You can ask to see, correct or delete your data at any time. See section 9 and section 10.
- Who we are
- Information we collect
- What we do not collect
- How we use your information
- Who we share it with
- Where your data is stored
- How long we keep it
- How we protect it
- Your rights and choices
- Deleting your account
- Children
- Cookies and local storage
- Changes to this policy
- Contact us
1Who we are
The App is operated by Mesob Financial Technology PLC ("Mesob", "we", "us"), a private limited company registered in Addis Ababa, Ethiopia (TIN 0110631786), with its office at Bole Sub City, Woreda 04, House No. 112/2, Addis Ababa. Mesob is responsible for the personal data described in this policy. Our contact details are in section 14.
Mesob Equb lets people join and run equbs (rotating savings groups) online: members pay a fixed contribution each round, and the round's collection goes to the member or members chosen in that round's draw. The App records and checks contributions. It is not a wallet and keeps no balance for you: you transfer each contribution yourself from your bank or Telebirr account to Mesob's receiving account, and Mesob pays each round's winners from that account.
2Information we collect
Information you give us
| Type | What it includes |
|---|---|
| Account details | Full name, mobile phone number, email address, password and preferred language. Your password is stored only as a one-way hash; we cannot read it. |
| Address | Region, zone, city and kebele, entered when you register. |
| Equb activity | The equbs you join, your acceptance of the Membership Agreement, the rounds you order and pay, and your requests to cancel unpaid orders. |
| Payment information | The payment method (CBE bank transfer or Telebirr), the transaction reference number, the confirmation SMS text or receipt link if you paste it so that we can read the reference, and receipt screenshots you upload. A receipt can show your name, part of your account number and the amount. We never ask for card numbers, bank or Telebirr passwords, or PINs. |
| Support | What you tell us when you contact us by phone, SMS or email. |
Information created when you use the App
| Type | What it includes |
|---|---|
| Payment checks | Whether your transfer was confirmed, the amount transferred and the transfer details returned by our payment verification provider (such as the date, the sender and the receiver), and the reason when a payment could not be confirmed. |
| Draws and payouts | The rounds you won, the payout amount, the commission deducted, and any documents recorded with a payout. |
| Notifications | The messages we send you (in the App, by SMS and by email) and whether each SMS was delivered. |
| Technical data | When you use the App, our servers record your IP address, your browser or device type, the page or service requested and the time. A session cookie keeps you signed in. |
3What we do not collect
- We do not collect your device location, contacts, call logs, microphone or camera data, or any photos other than the receipts you choose to upload.
- The Android app asks only for internet access and, on newer Android versions, permission to show notifications.
- We do not use advertising IDs, advertising cookies or third-party analytics.
4How we use your information
| Purpose | Why we are allowed to |
|---|---|
| Create your account, confirm your phone number with a one-time code, sign you in and keep your account secure. | To provide the service you asked for (our contract with you). |
| Run your equbs: membership, payment schedule, collections, draws and payouts. | Our contract with you, under the Membership Agreement. |
| Check your payments and stop the same receipt being used twice. | Our contract with you, and our legitimate interest in preventing fraud. |
| Send you service messages in your language: one-time codes, payment reminders, notices about your equb and draw results. | Our contract with you. |
| Answer your questions and complaints. | Our contract with you and our legitimate interests. |
| Protect the App, investigate misuse and fix faults. | Our legitimate interest in running a secure service. |
| Keep financial records and meet legal and regulatory duties. | Our legal obligations. |
| Show notifications on your phone. | Your consent, which you can withdraw in your phone settings. |
Payment checks are automated. If a payment cannot be confirmed automatically, a member of our staff reviews it before any decision is made. Draw winners are selected at random by our server among the members eligible for that round. We do not use your data for advertising.
5Who we share it with
We never sell or rent your personal data. We share it only as follows.
- Members of your own equb. Your name and your draw results in that equb can be seen by the other members of the same equb (for example in the participant list, the live draw and the draw history). They cannot see your phone number, email address, home address, payment references or receipts.
- Service providers who process data only on our instructions and for these purposes:
- Amazon Web Services: hosting of our servers and database, and sending of email (Amazon SES).
- AfroMessage: sending SMS messages, such as one-time codes and notices. It receives your phone number and the message text.
- Our payment verification provider: checks with your bank or Telebirr that a transfer exists and returns its amount. It receives the transaction reference, the bank or service name, and the receipt image or SMS text you give us.
- Authorities. When the law, a court order or a lawful request from a competent Ethiopian authority requires it, or when needed to protect the rights, property or safety of our members or of Mesob.
- A future owner. If Mesob's business is merged or sold, your data may pass to the new owner, who must keep protecting it under this policy.
We do not send your data to your bank. You make transfers yourself; our payment verification provider only checks them. If you install the Android app from Google Play, Google processes data under its own privacy policy, and the app opens the Mesob Equb web app inside Google Chrome on your phone.
6Where your data is stored
Our servers and database are hosted by Amazon Web Services in Frankfurt, Germany. Your data is therefore transferred to and stored outside Ethiopia. All connections to our servers are encrypted, and access to the servers is limited to authorised Mesob staff.
7How long we keep it
| Data | How long |
|---|---|
| Account, address and contact details | While your account is open. After your account is deleted, they are deleted or anonymised within 30 days, except for the records below. |
| Payment, draw and payout records, and the receipts that support them | For as long as Ethiopian law requires us to keep financial and accounting records, then deleted or anonymised. |
| Notifications | While your account is open. |
| Server logs | For a limited period, for security and fault finding. |
| Backups | Encrypted database backups are kept for 14 days and then overwritten. |
8How we protect it
- All traffic between your phone and our servers uses HTTPS (TLS encryption).
- Passwords are stored only as one-way hashes. Phone numbers are confirmed with one-time codes.
- Our database and internal services cannot be reached from the internet. Only authorised staff can sign in to our administration tools or servers.
- Database backups are encrypted.
No system is completely secure. If a breach affects your personal data, we will inform you and the competent authorities as the law requires. Please keep your password to yourself; you are responsible for activity on your account.
9Your rights and choices
Under Ethiopian law, including the Personal Data Protection Proclamation, you can:
- ask for a copy of the personal data we hold about you;
- correct data that is wrong or out of date (you can edit your profile in the App, or ask us);
- ask us to delete your data (see section 10);
- object to or ask us to limit some uses of your data, and withdraw any consent you gave, for example by turning off notifications in your phone settings;
- complain to us, and to the competent data protection authority in Ethiopia.
To use any of these rights, contact us as shown in section 14. We may confirm your identity first, for example by sending a code to your registered phone number. We reply within 30 days. Service messages that are part of running your equb, such as one-time codes, reminders and draw results, cannot be switched off while you are a member of an equb.
10Deleting your account
You can ask us to delete your Mesob Equb account and personal data at any time.
- Send an email to admin@mesobequb.com with the subject "Delete my Mesob Equb account", or call +251 971 999 997 from your registered phone number. Give your full name and your registered phone number.
- We confirm that the request is yours by sending a one-time code to your registered phone number or by calling you.
- We delete your account and tell you when it is done, within 30 days of confirming your identity.
What is deleted: your name, email address, home address, password, language preference and notifications. You will no longer be able to sign in.
What is kept: records of your payments, draws and payouts, and the receipts that support them, because the law requires us to keep financial records and the other members of your equb rely on them. They are kept only for the period the law requires and are not used for anything else.
If you are in an equb that has not finished: an equb depends on every member paying every round. We will close your account once your share of that equb is settled, meaning your rounds are paid and any payout owed to you has been made, and we will tell you what remains when you ask.
This page is also available at app.mesobequb.com/delete-account.
11Children
Mesob Equb is for adults aged 18 and over. We do not knowingly collect data from anyone under 18. If we learn that a person under 18 has registered, we will close the account and delete their data, keeping only the records the law requires.
12Cookies and local storage
The App uses only what it needs to work: a session cookie that keeps you signed in, a security cookie that protects forms against forgery, and your browser's storage for your language choice and for an offline page shown when you have no internet connection. We do not use advertising or analytics cookies.
13Changes to this policy
We may update this policy when the App or the law changes. We will post the new version on this page with a new date, and for important changes we will tell you in the App or by SMS before they take effect.
14Contact us
Mesob Financial Technology PLC
Bole Sub City, Woreda 04, House No. 112/2, Addis Ababa, Ethiopia
Email: admin@mesobequb.com
Phone: +251 971 999 997 · +251 971 999 998
Website: mesobequb.com