Terms and Conditions

1. Introduction

Welcome to CBE Docs, the official mobile banking application (the “App”) of Commercial Bank of Ethiopia (“CBE”). By downloading, accessing, or using the App, you agree to comply with and be bound by these Terms and Conditions (the “Terms”). Please read these Terms carefully before using the App. If you do not agree with any part of these Terms, you must not access or use the App.

2. Eligibility

To use the CBE Docs App, you must:

• Be a duly registered customer of Commercial Bank of Ethiopia.
• Possess a valid and active CBE bank account.
• Comply with all applicable Ethiopian laws and regulations.

By using the App, you represent and warrant that you meet all the above eligibility requirements.

3. Account Security

• Login Credentials: : You are solely responsible for maintaining the confidentiality and security of your account credentials, including your username, password, and any one-time passwords (OTPs). You must never share your login credentials with any third party.
• Unauthorized Use:You must notify Commercial Bank of Ethiopia immediately through our official channels if you suspect any unauthorized access to your account, disclosure of your credentials, or any security breach relating to your use of the App.
• User Responsibility: CBE will not be held liable for any loss or damage arising from your failure to maintain the confidentiality of your credentials or to notify CBE promptly of any unauthorized use.

4. Use of the App

• Permitted Use: The CBE Docs App is provided exclusively for the personal, non-commercial use of registered CBE customers. Permitted activities include managing your accounts, viewing transaction history, uploading and managing financial documents, and performing other authorized banking activities.
• Prohibited Activities: You agree not to use the App for any unlawful, fraudulent, or unauthorized purpose. Prohibited activities include but are not limited to: fraud, identity theft, hacking, phishing, unauthorized access to other users’ accounts, uploading malicious content or malware, or any activity that could damage, disable, overburden, or impair the functionality of the App or CBE’s systems.
• Compliance: You agree to comply with all applicable laws and regulations of Ethiopia, including those related to banking, data protection, and electronic transactions.

5. Service Availability

• Operational Hours: Commercial Bank of Ethiopia strives to ensure the CBE Docs App is available 24 hours a day, 7 days a week. However, CBE does not guarantee uninterrupted, error-free access to the App. Temporary unavailability may occur due to scheduled maintenance, system upgrades, technical issues, or circumstances beyond CBE’s control.
• Advance Notice:  Where possible, CBE will provide advance notice of scheduled maintenance that may affect service availability.
• Limitation of Liability: Commercial Bank of Ethiopia shall not be liable for any losses, damages, or inconveniences arising from service interruptions, downtime, or the temporary unavailability of the App.

6. Data Protection and Privacy

• Privacy Policy: Your use of the CBE Docs App is governed by CBE’s Privacy Policy, which is incorporated into these Terms by reference. The Privacy Policy describes how CBE collects, processes, stores, and protects your personal and financial information. You are encouraged to review the Privacy Policy carefully.
• Data Accuracy: You are responsible for ensuring that all information you provide through the App is accurate, current, and complete. CBE is not liable for any errors, delays, or issues arising from inaccurate information provided by you.
• Data Security: CBE employs industry-standard security measures to protect your personal and financial data. However, you acknowledge that no electronic transmission or storage method is completely secure, and CBE cannot guarantee absolute security.

7. Intellectual Property

Ownership: All content, software, trademarks, service marks, logos, and other rights associated with the CBE Docs App are owned by or licensed to Commercial Bank of Ethiopia. Unauthorized reproduction, distribution, modification, or creation of derivative works is strictly prohibited.

8.Termination

• Termination by CBE: Commercial Bank of Ethiopia reserves the right to suspend, restrict, or permanently terminate your access to the CBE Docs App at any time, with or without notice, if CBE reasonably believes you have violated these Terms, engaged in fraudulent activity, or for any other legitimate operational or regulatory reason.
• Termination by You: You may discontinue your use of the App at any time by closing your CBE account or uninstalling the App. Termination does not relieve you of any outstanding obligations incurred prior to termination.
• Effect of Termination: Upon termination, your license to use the App will cease immediately. Any provisions of these Terms that by their nature should survive termination shall continue to apply.

9. Modifications to Terms

Commercial Bank of Ethiopia reserves the right to revise, amend, or update these Terms at any time. In the event of any material changes, CBE will notify you by posting the revised Terms within the App and updating the effective date. Your continued use of the App following the posting of revised Terms constitutes your acceptance of such changes. It is your responsibility to review these Terms periodically.

10. Dispute Resolution

• Governing Law:  These Terms and Conditions are governed by and construed in accordance with the laws of the Federal Democratic Republic of Ethiopia, without regard to its conflict of law provisions.
• Amicable Resolution:  In the event of any dispute, controversy, or claim arising out of or relating to these Terms or your use of the CBE Docs App, the parties shall first attempt to resolve the matter amicably through direct negotiation.
• Formal Dispute Resolution: If the dispute cannot be resolved amicably within thirty (30) days, either party may refer the matter to the competent courts or regulatory bodies of Ethiopia, or to arbitration as provided under applicable Ethiopian law.

Contact Us

For any questions, concerns, or complaints regarding these Terms or the CBE Docs App, please contact us through the following official channels:

Commercial Bank of Ethiopia

Head Office, Addis Ababa, Ethiopia

Short Code: 951

Phone: +251-113-000000 / +251-113-000001

Email:AbiyBranchSupportTeam@cbe.com.et       DiasporaBranchSupportTeam@cbe.com.et

Website: www.combanketh.et

11. Miscellaneous

• Entire Agreement: These Terms constitute the entire agreement between you and Commercial Bank of Ethiopia with respect to the use of the CBE Docs App and supersede all prior agreements, representations, and understandings relating to the subject matter herein.
• Severability:  If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.
• Waiver:  The failure of Commercial Bank of Ethiopia to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.
• Assignment:  You may not assign or transfer your rights or obligations under these Terms without the prior written consent of Commercial Bank of Ethiopia. CBE may assign these Terms without restriction.

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