PRIVACY POLICY

1. INTRODUCTION

1.0. Billspayment is a platform that provides the easiest and most convenient way to pay for everyday services such as phone airtime, data subscription, electricity bills, TV subscriptions, and more. Billspayment is owned and operated by paysonet, with its registered address at 319, Borno Way off Herbert Macaulay Way, Lagos, Nigeria.

1.1. This Privacy Policy governs the use of the Billspayment website, mobile applications, API, and related services. .

2. OUR PRIVACY POLICY

2.0. Our Privacy Policy explains your privacy rights regarding how and when we collect, use, store, share, and protect your information across our website, payment platforms ("Platforms"), APIs, Software Applications ("Apps"), email notifications, and tools, regardless of how you use or access them.

3. COLLECTING AND USING YOUR PERSONAL DATA

3.0. While using our service, we may ask you to provide certain Personally Identifiable Information that can be used to track or identify you. This information may include, but is not limited to:

1. email address
2. first name and last name
3. phone numbers
4. address

3.1. We automatically collect and store customers' data when you visit our website or mobile application and register to use any of our services. This information is collected electronically through exchanges between your system (computer, server, mobile device) or service provider's system and ours. The information may include, but is not limited to:

1. Internet Protocol (IP) address
2. web browser type
3. operating system version
4. device identifiers

3.2. We may receive information from third parties such as payment service providers, merchants/brands, advertising service providers, and identity verification services.

4. HOW WE USE YOUR PERSONAL INFORMATION

4.0. We collect and maintain your personal information to provide you with the best possible service, including but not limited to:

1. Providing products and services to you
2. Maintaining, supporting, evaluating, improving, and/or developing our products and services and developing new products and services.
3. Managing your relationship with us
4. Providing targeted marketing and advertising.
5. Contacting you at any telephone number, by placing a voice call or through text (SMS) or email messaging.
6. Enforcing our rights under the agreement, and as permitted with the authorized user’s consent solely with respect to their own personal information.

5. MARKETING

Billspayment does not sell, trade or rent personal data to anyone. Further, your data shall only be used for the purpose for which it was obtained, we will not share or disclose your personal data with a third party without your consent except as necessary to provide the services or as described in this privacy policy.

6. SHARING YOUR PERSONAL INFORMATION

6.1. Transactions Involving Third Parties: We may also share your personal data with third parties directly authorized by you to receive personal information, such as when you authorize a third-party service provider to access your wallet. The use of your personal information by an authorized third party shall be subject to the privacy policy of the third-party, and Billspayment shall not bear any liability for any breach that might arise due to your authorization.

6.2. Legal and Law Enforcement: We may share your personal information if we believe that such sharing is required to satisfy any applicable laws, regulations, or government request such as legal compliance to help them comply with anti-money laundering and counter-terrorist financing verification requirements.

7. THE PRIVACY POLICY OF OTHER WEBSITES

Our privacy policy does not apply to merchants, vendors, or other related partners. This is because they have their privacy policies. Our website may contain third-party links or links to other websites. Billspayment is not responsible for the privacy practices or contents of these sites and shall not be responsible for your use of such websites. We encourage our users to be aware of when they leave our website and to read the privacy statements of these sites. You should evaluate the security of any other site connected to this site or accessed through this site before disclosing any personal information to them. Billspayment will not accept any responsibility for any loss or damage in whatever manner resulting from your disclosure of your personal information to third parties.

8. DATA SECURITY

Billspayment recognizes the importance of protecting personal information. To this end, we shall make all reasonable efforts to ensure that adequate safeguards are put in place to prevent unauthorized access and to ensure the confidentiality of your personal information. Please take a moment to read the following information about cookies and your legal rights.

COOKIES:

Cookies are small files that websites send to your computer. They allow us to store your information to optimize our site, make visiting the site easier for you, and help provide you with an enhanced browsing experience. We use cookies for the following purposes:

1. To maintain and enhance your experience during the use of our website.
2. To authenticate users, prevent fraud, and protect you as you interact with our services.
3. To prevent spam, fraud, and abuse.
4. To enhance your experience by providing personalized content and features.

Our cookies save you a lot of time and hassle, as once you visit the site, we can recognize who you are and provide certain content to you.

MANAGING COOKIES ON YOUR BROWSER:

Most browsers allow you to manage how cookies are set and used as you're browsing, and to clear cookies and browsing data (except for those that are essential for the website to function). You can go to your browser settings to learn how to delete or reject cookies. If you choose to delete or reject cookies, this may impact your experience using our website.

YOUR LEGAL RIGHTS:

Our customers have data protection rights and are entitled to the following:

1. Right to request access to your personal data.
2. Right to request correction of the personal data that we hold about you.
3. Right to object to processing of your personal data.
4. Right to request erasure of your personal data.
5. Right to request the transfer of your personal data.
6. Right to withdraw your consent.

CHANGES TO OUR PRIVACY POLICY:

We may change, amend, or review this Privacy Policy from time to time to reflect new services or changes in our Privacy Policy.

If you have any questions about our Privacy Policy or would like to find out more about exercising your data protection rights, please contact us via email at support@paysonet.ng.