Privacy Policy

Your privacy matters to us. This Privacy Policy explains how BillerPoint ("we", "us", "our") collects, uses, shares, and protects your personal information when you use our platform.

1. Information We Collect

1.1 Personal Information You Provide

When you create an account or use BillerPoint, we collect:

• Account Information: Full name, username, email address, phone number, and password
• Profile Information: Profile picture, bio, and other optional information you choose to provide
• Financial Information: Bank account details, transaction history, and wallet balances
• KYC Information: Government-issued ID, proof of address, and other verification documents
• Communication Data: Messages, support inquiries, and feedback you send us

1.2 Information We Collect Automatically

When you use BillerPoint, we automatically collect:

• Device Information: Device type, operating system, browser type, IP address, and device identifiers
• Usage Data: Pages visited, features used, transaction history, time spent, and interaction data
• Location Data: Approximate location based on IP address (country, city, and region)
• Cookies: We use cookies and similar technologies to enhance your experience

1.3 Information from Third Parties

We may receive information about you from:

• Partner Services: VTpass, payment gateways, and banking partners
• Social Media: If you connect your social media accounts
• Public Sources: Information available from public databases
• Referral Program: Information about users you refer

2. How We Use Your Information

We use your information for the following purposes:

Purpose	Legal Basis
Account creation and management	Contractual necessity
Processing transactions and bill payments	Contractual necessity
Fraud prevention and security	Legitimate interest
Customer support and communication	Legitimate interest
Improving our services	Legitimate interest
Marketing and promotions	Consent
Legal compliance	Legal obligation

BillerPoint complies with Google Play Payments Policy and the Central Bank of Nigeria’s fintech regulations to ensure secure and lawful processing of all transactions.

3. How We Share Your Information

3.1 Service Providers

We share information with trusted third-party service providers who help us operate BillerPoint:

• Payment Processors: To process transactions and bill payments
• Banking Partners: To hold and manage user funds
• Cloud Services: To host and maintain our platform
• Analytics Providers: To understand how users interact with our services
• Communication Services: To send notifications and emails

3.2 Legal and Regulatory Compliance

We may disclose your information when required by law, regulation, or legal process, including to:

• Comply with applicable laws and regulations
• Respond to lawful requests from government authorities
• Protect our rights, privacy, safety, or property
• Prevent fraud or illegal activities
• Enforce our Terms of Service

3.3 Business Transfers

If BillerPoint undergoes a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change.

3.4 With Your Consent

We may share your information with third parties when you explicitly consent to such sharing.

4. Data Retention

We retain your personal information for as long as your account is active or as needed to provide services. We may retain certain information to comply with legal obligations, resolve disputes, and enforce our agreements. Specifically:

• Transaction Data: Retained for 7 years for regulatory compliance
• Account Information: Retained until account closure and for 2 years after
• KYC Documents: Retained for 5 years after account closure
• Communication Data: Retained for 2 years
• Analytics Data: Retained for 1 year

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information:

• Encryption: All sensitive data is encrypted in transit and at rest
• Access Controls: Strict access controls with role-based permissions
• Security Monitoring: Continuous monitoring for suspicious activity
• Regular Audits: Periodic security assessments and vulnerability scanning
• Staff Training: Regular training on data protection and security

6. Your Rights

You have the following rights regarding your personal information:

6.1 Access and Portability

You have the right to request access to your personal information and receive a copy in a portable format.

6.2 Correction

You have the right to correct inaccurate or incomplete personal information.

6.3 Deletion

You have the right to request deletion of your personal information, subject to legal obligations.

6.4 Objection

You have the right to object to certain processing activities, including marketing communications.

6.5 Withdraw Consent

You have the right to withdraw consent for processing that relies on your consent.

6.6 Data Portability

You have the right to receive your data in a structured, machine-readable format.

To exercise any of these rights, please contact us at billerpoint@gmail.com.

7. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience. We use:

• Essential Cookies: Required for platform functionality
• Preference Cookies: Remember your preferences and settings
• Analytics Cookies: Help us understand how you use our platform
• Marketing Cookies: Used to deliver relevant advertisements

You can control cookie preferences through your browser settings.

8. Third-Party Links

BillerPoint may contain links to third-party websites and services. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies.

9. Children's Privacy

BillerPoint is not intended for children under 18 years of age. We do not knowingly collect personal information from children under 18. If you believe we have collected information from a child, please contact us immediately.

10. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place for such transfers.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by:

• Posting the updated policy on our website
• Sending an email notification to registered users
• Displaying a notice within the BillerPoint platform

The "Last Updated" date at the top of this policy indicates when it was last revised.

12. Data Controller and Contact Information

BillerPoint is the data controller responsible for your personal information. If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

13. Complaint Procedures

If you are not satisfied with our response to your privacy concern, you have the right to lodge a complaint with the appropriate data protection authority.

Thank you for trusting BillerPoint with your personal information. We are committed to protecting your privacy and providing you with a secure digital banking experience.