Introduction

This Cookie Policy explains how MOMBO Sacco Ltd and its subsidiaries, (“MOMBO Sacco Ltd,” “we,” “us,” and “ours”) uses cookies and similar technologies to recognize you when you visit our Website at http://www.mombo.co.ke(“Website”) and our mobile banking app (“MOMBO App”). It explains what these technologies are and why we use them, as well as your rights to manage the use of them.

By using our Website and/or our App, you agree to our use of cookies in accordance with this cookie policy.

What are cookies?

Cookies are small data files that are placed on your computer or mobile device when you access certain parts of our Website or App.

Cookies do not typically contain any information that personally identifies a user, but personal information that we store about you may be linked to the information stored in and obtained from cookies.

What we use Cookies for?

(a) Strictly necessary cookies
These cookies are required for the operation of our Website and App by:
(i) Allowing our web server to determine whether the cookie settings on your browser have been enabled or disabled. This allows us to determine whether data can be collected from your web browser.
(ii) Temporarily allowing you to carry information between pages of our Website or App to avoid having to re-enter that information
(iii) Temporarily identifying your device after you have logged in to a secure page on our Website and App so that our web server can maintain a dialogue with your browser or device for you to carry out certain activities.
(b) Functionality and Performance cookies
These cookies are used to recognise you when you return to our Website or App. We use these cookies to:
(i) Remember the choices you make (such as your username, language and region) so you do not have to re-enter that information when you return to our Website or App;
(ii) Personalise our content for you
(iii) For more accurate reporting.
(c) Analytical and targeting/advertising cookies
These cookies are used to research a customer’s interest, usage, and activities in relation to the Website and App by implementing analytical cookie technology and platforms. These cookies may be placed on your device by us or by third parties on our behalf, including Doubleclick, Yahoo!, Google, Adobe, Quantcast, Httpool, Criteo, Teamwork, Delvify, Bidmath, Appier, DSPs and programmatic partners, and we may share the data stored in such cookies with third parties. These cookies also include universal floodlight tag, pixels, and SDK. We use these cookies, and we work with these third parties to use the information collected by these cookies:
(i) To find out about users of the Website and App, including user demographics, behaviour, usage patterns and device information such as advertising ID.
(ii) To record your use of our Website and/or App and your responses to our online advertisements posted on our Website and App as well as other social media platforms (such as Facebook, Instagram, Twitter, and LinkedIn) to deliver personalised content to you, including ads relevant to your interests.
(iii) Improve the effectiveness of our online marketing and advertising campaigns. Please note that opting out of our first-party or third-party targeting/advertising cookies does not necessarily mean that you will not see our ads, only that these ads will not be target to you by such cookies.

Fraud prevention

We may also use the abovementioned cookies to assist us in fraud prevention and detection.

How can you manage your cookies?

(a) On web browsers Most web browsers are initially set up to accept cookies. You can choose to block, delete, or disable cookies as your browser or device permits. Please note that by deleting or disabling future cookies, your user experience may be affected, and you may find that certain features on our Website will not work properly. In most cases,
• Session cookies will be deleted when you close your browser; and
• Persistent cookies, however, will stay on your browsing device until you delete them. To find out more about the use of cookies and the information-collecting practices and opt-out procedures, please visit the Website of the third parties.
(b) On our Apps By continuing to use our Apps, you agree and accept that we will access your information stored on the cookies. If you do not accept our use of cookies, please do not use or cease using our Apps. You can also visit the following sites to check and select your preferences for online ads:
• Digital Advertising Alliance
• Network Advertising Initiative
• Internet Advertising Industry

How often will this Cookie Policy be updated?

We may update this Cookie Policy from time to time in order to reflect, for example, changes to the cookies we use or for other operational, legal or regulatory reasons. Please therefore re-visit this Cookie Policy regularly to stay informed about our use of cookies and related technologies. The date at the top of this Cookie Policy indicates when it was last updated.

Where can I get further information?

If you have any questions about our use of cookies or other technologies, please email us at dataprotection@mombo.co.ke.