We are committed to protecting your personal information and making your Billia experience secure and transparent.

1. Introduction This Privacy Policy explains how Billia (“we”, “our”, or “us”) collects, uses, shares, and protects your information when you use the Billia mobile app and website. By using our services, you agree to the terms outlined in this policy.

2. Information We Collect We may collect the following types of information:

• Personal Information: Name, email address, phone number, BVN, ID documents (for KYC)
• Payment Data: Wallet transactions, bill payments, funding history
• Device Information: IP address, mobile device ID, OS type
• Usage Data: App interactions, feature usage, crash logs

3. How We Use Your Information We use your data to:

• Provide and improve our services
• Facilitate payments and manage your wallet
• Verify your identity and prevent fraud
• Send reminders, transaction alerts, and notifications
• Power Billia AI’s recommendations and payment assistance
• Comply with legal and regulatory obligations

4. How We Share Your Information We do not sell your data. We may share limited data with:

• Trusted third-party service providers (e.g., payment processors, banks)
• Regulatory authorities, where legally required
• Fraud detection and compliance partners

5. How We Protect Your Information

• We use bank-grade encryption, firewalls, and real-time monitoring
• Access to your data is restricted to authorized personnel only
• We comply with applicable data protection laws, including NDPR

6. International Data Transfers If any data is processed outside Nigeria, we ensure it’s handled with adequate legal protections and security standards.

7. Your Rights You can:

• Access or correct your information
• Request deletion of your account
• Opt out of certain communications
• Withdraw consent (where applicable) To exercise these rights, email: privacy@billia.app

8. Cookies and Tracking Our website may use cookies for analytics and performance tracking. You can control cookies in your browser settings.

9. Updates to This Policy We may update this Privacy Policy occasionally. When we do, we’ll notify you via the app or website. Last updated: June 2025

10. Contact Us For questions about this policy, email us at: privacy@billia.app