Privacy Policy

Introduction

At BillBuddy, we are committed to protecting your privacy and safeguarding your personal information. This Privacy Policy describes how we collect, use, store, and protect your data when you use the BillBuddy platform ("the App") for bill payments, cryptocurrency trading, and digital asset management services. By using the BillBuddy app, you agree to the terms outlined in this Privacy Policy.

BillBuddy is operated by Billbuddy Technologies Limited, located in Nigeria. For any questions or concerns regarding your privacy, please contact us at hello@billbuddy.africa.

Information We Collect

To provide our services effectively, BillBuddy collects the following types of information:

1. Personal Information
   • Account Information: When you register for BillBuddy, we collect personal details such as your name, email address, phone number, date of birth, and residential address.
   • Payment Information: For processing payments, we may collect billing information such as credit card details, bank account numbers, or other payment data depending on the method you choose.
   • Identification Documents: In accordance with regulatory requirements (e.g., Know Your Customer (KYC) for cryptocurrency transactions), we may collect government-issued ID documents or other forms of identity verification.
2. Usage Data
   • Device and App Data: We collect data about the device you use to access the BillBuddy App (e.g., mobile or desktop), including device type, operating system, IP address, browser type, and user-agent information.
   • Transaction Data: We track transactions made through BillBuddy, including bill payments, crypto trades, and digital asset management activities.
3. Cookies and Tracking Technologies
   • BillBuddy uses cookies and similar technologies to improve the performance of the App and enhance your user experience. Cookies may store information such as login credentials, preferences, and tracking data for analytical purposes.

How We Use Your Information

BillBuddy uses the information we collect for the following purposes:

1. Service Delivery and Improvement
   • To process and complete transactions, including bill payments, crypto trading, and digital asset management.
   • To communicate with you regarding your account, including providing updates, transaction confirmations, or other necessary notifications.
2. Personalization
   • To tailor our services to your preferences, improving your experience and offering relevant suggestions based on your usage and interests.
3. Legal and Regulatory Compliance
   • To comply with applicable laws, including anti-money laundering (AML), Know Your Customer (KYC), and tax regulations.
   • To detect and prevent fraudulent activities, unauthorized transactions, and other illegal activities.
4. Marketing and Communications
   • With your consent, we may send you promotional emails, notifications, or offers related to BillBuddy’s services, including updates, new features, or third-party promotions.

How We Share Your Information

BillBuddy does not sell your personal information to third parties. However, we may share your data in the following circumstances:

1. Service Providers
   • We may share your information with trusted third-party service providers who help us operate the App, process payments, or deliver other services (e.g., cloud storage providers, payment processors, email marketing services). These third parties are required to keep your information confidential and secure.
2. Legal and Compliance Obligations
   • We may disclose your personal information if required by law or to comply with legal obligations, such as responding to subpoenas, court orders, or regulatory inquiries.
3. Business Transfers
   • In the event of a merger, acquisition, or sale of all or part of our business, your information may be transferred to the acquiring entity. You will be notified via email or a prominent notice on our App if such a change occurs.

Data Security

We use industry-standard security measures, including encryption, firewalls, and secure access controls, to protect your personal information. However, no system is completely secure, and we cannot guarantee the absolute security of your data. We encourage you to use strong passwords and protect your account from unauthorized access.

Data Retention

We retain your personal data for as long as necessary to fulfill the purposes outlined in this Privacy Policy, or as required by law. If you wish to delete your account, you can request account deactivation, and we will take reasonable steps to remove your information, subject to legal and regulatory requirements.

Your Rights and Choices

Depending on your jurisdiction, you may have the following rights regarding your personal data:

1. Access and Correction
   • You can request access to the personal data we hold about you, as well as request corrections or updates to any inaccuracies.
2. Deletion
   • You have the right to request the deletion of your personal data, subject to certain exceptions (e.g., if we need to retain data for legal reasons).
3. Withdrawal of Consent
   • You can withdraw your consent to receive marketing communications at any time by clicking the "unsubscribe" link in emails or adjusting your preferences within the App.
4. Data Portability
   • You may request a copy of your personal data in a structured, commonly used, and machine-readable format for transfer to another service provider.

International Transfers

If you are accessing BillBuddy from outside the country where we are based, your information may be transferred to and processed in countries with different data protection laws. By using the App, you consent to the transfer and processing of your data as described in this Privacy Policy.

Children's Privacy

BillBuddy does not knowingly collect personal information from children under the age of 18. If we discover that we have inadvertently collected information from a child, we will take steps to delete such data. If you are a parent or guardian and believe we have collected personal information from a child, please contact us immediately.

Changes to This Privacy Policy

BillBuddy reserves the right to update this Privacy Policy at any time. Any changes will be posted within the App or on our website, and the updated Privacy Policy will become effective immediately upon posting. We encourage you to review this policy periodically to stay informed about how we protect your privacy.