Privacy Policy

1. Information We Collect

Depending on how you use Billio, we may collect information that is necessary to create and manage your account, provide our services, process transactions and maintain platform security.

Information You Provide

• Your name and contact information.
• Account login and registration information.
• Information provided during account verification.
• Transaction and wallet-related information.
• Information you provide when contacting customer support.

Information Collected Automatically

When you use our website or platform, certain technical information may be collected automatically, such as device information, browser information, IP address, usage information and security-related information.

2. How We Use Your Information

We may use information collected through Billio for purposes including:

• Creating and managing your account.
• Providing and improving Billio services.
• Processing and completing transactions.
• Verifying accounts and preventing fraud.
• Maintaining the security of our platform.
• Responding to support requests and enquiries.
• Communicating important service-related information.
• Complying with applicable legal and regulatory requirements.

3. When We Share Information

We do not sell your personal information simply because you use Billio.

We may share information where reasonably necessary to provide our services, process transactions, maintain security or comply with legal obligations.

This may include sharing relevant information with trusted service providers, payment processors, financial institutions, telecommunications providers, utility providers or other partners involved in delivering a service you request.

We may also disclose information where required by law, regulation, court order or a lawful request from an authorized authority.

4. Payments and Transactions

Billio may process information relating to payments, wallet activity and transactions in order to provide requested services and maintain accurate transaction records.

We may retain transaction records as necessary for operational, security, accounting, dispute-resolution, legal or regulatory purposes.

5. Account Verification

Some Billio services or account activities may require identity or account verification.

Where verification is required, we may collect and process information reasonably necessary to confirm your identity, protect your account, prevent fraud and satisfy applicable legal or regulatory obligations.

The information required may vary depending on the service, transaction or applicable requirements.

6. How We Protect Your Information

We use reasonable technical, administrative and organizational measures designed to protect information against unauthorized access, loss, misuse, alteration or disclosure.

These measures may include access controls, authentication procedures, monitoring and other security practices appropriate to the nature of the information we handle.

However, no internet transmission or electronic storage system can be guaranteed to be completely secure.

7. Cookies and Similar Technologies

Billio may use cookies and similar technologies to support website functionality, improve user experience, understand how our services are used and help maintain platform security.

Cookies are small data files stored on your device when you visit a website.

Depending on your browser and device settings, you may be able to control or disable certain cookies. Some website features may not function correctly if necessary cookies are disabled.

8. Data Retention

We retain personal information only for as long as reasonably necessary for the purposes described in this Privacy Policy.

The period for which information is retained may depend on the nature of the information, how it is used, legal and regulatory requirements, security considerations and legitimate business needs.

When information is no longer required, we may securely delete, anonymize or otherwise dispose of it in accordance with applicable requirements.

9. Your Privacy Rights

Depending on applicable law, you may have rights relating to your personal information.

These may include the right to:

• Request access to personal information we hold about you.
• Request correction of inaccurate or incomplete information.
• Request deletion of information where legally applicable.
• Object to or request restriction of certain processing activities where applicable.
• Withdraw consent where processing is based on consent, subject to applicable limitations.

Some information may need to be retained where we have a legal, regulatory, security or legitimate business reason to do so.

10. Children's Privacy

Billio services are not intended to be used in a way that violates applicable age restrictions or child protection requirements.

We do not knowingly collect personal information from children where such collection is prohibited by applicable law.

If you believe that a child has provided personal information to Billio inappropriately, please contact us so that we can review the situation and take appropriate action.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes to our services, technology, business practices or applicable legal requirements.

When we make changes, the updated version will be published on the relevant Billio website or platform.

We encourage you to review this page periodically so that you remain informed about how your information is handled.

12. Contact Us

If you have questions about this Privacy Policy, want to make a privacy-related request or need clarification about how your information is handled, please contact us.

Email: hello@billio.ng

WhatsApp: 091 291 42880

Address: 8 Adepele Street, Computer Village, Ikeja, Lagos State.