We're committed to protecting your data

At Billspot, we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and website (collectively, the "Platform"). Our Platform provides services including:

• Airtime Purchases: Buy airtime for yourself or others across all major networks
• Data Subscriptions: Purchase internet data plans at competitive rates
• Bill Payments: Pay electricity, water, TV subscriptions, and other utility bills
• Airtime-to-Cash Conversion: Convert your excess airtime to cash instantly
• Wallet Management: Securely store funds and manage your transactions
• Money Transfers: Send money to friends, family, and businesses

Please read this Privacy Policy carefully. By accessing or using our Platform, you acknowledge that you have read, understood, and agree to be bound by all the terms of this Privacy Policy. If you do not agree, please discontinue use of our Platform immediately.

1. Information We Collect

1.1. Information You Provide

• Account Information: When you register, we collect your name, email address, phone number, and password.
• Identity Verification: For KYC compliance, we may collect your BVN (Bank Verification Number) and other government-issued identification information.
• Transaction Data: We collect information related to your airtime purchases, bill payments, airtime-to-cash conversions, and other transactions you conduct on our Platform.
• Payment Information: We collect details about your payment methods, including bank account information, card details, and transaction history.
• Communications: We store records of your interactions with our customer support team.

1.2. Information We Automatically Collect

• Usage Data: We collect information about how you interact with our Platform, including pages visited, features accessed, time spent, and actions taken.
• Device Information: We collect data about your device, including IP address, device type, operating system, browser type, mobile network information, and device identifiers.
• Location Data: With your permission, we may collect precise location data to provide location-based services and fraud prevention.
• Cookies and Similar Technologies: We use cookies, web beacons, and similar tracking technologies to collect information about your browsing behavior and preferences.

2. How We Use Your Information

We use your information for the following purposes:

1. Provide and Maintain Our Services
   • Process transactions (airtime purchases, bill payments, wallet management, airtime-to-cash conversions)
   • Authenticate your identity and secure your account
   • Provide customer support and respond to your inquiries
   • Send transaction confirmations and service-related notifications
2. Improve and Personalize Your Experience
   • Analyze usage patterns to enhance our Platform's features and functionality
   • Develop new products, services, and features
   • Personalize your experience based on your preferences and transaction history
3. Marketing and Communications
   • Send promotional offers, newsletters, and updates about our services (with your consent)
   • Conduct surveys and collect feedback about our services
4. Security and Compliance
   • Detect and prevent fraud, unauthorized transactions, and other harmful activities
   • Verify your identity as required by financial regulations
   • Comply with legal obligations, including anti-money laundering regulations
   • Resolve disputes and enforce our terms and policies

3. Information Sharing and Disclosure

3.1. Service Providers

We share your information with trusted third-party service providers who help us operate, improve, and secure our Platform, including:

• Payment processors and financial institutions
• Telecommunications providers for airtime and data purchases
• Utility companies and bill payment processors
• Cloud hosting and storage providers
• Analytics and data processing services
• Customer support services

These service providers are contractually obligated to use your information only for the specific services they provide to us and are prohibited from using your information for their own purposes.

3.2. Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court or government agency). We may also disclose your information to:

• Comply with legal obligations
• Protect and defend our rights or property
• Prevent or investigate possible wrongdoing in connection with our Platform
• Protect the personal safety of users of our Platform or the public

3.3. Business Transfers

If Billspot is involved in a merger, acquisition, or sale of all or a portion of its assets, your information may be transferred as part of that transaction. We will notify you via email and/or a prominent notice on our Platform of any change in ownership or uses of your information.

4. Data Security

We implement industry-standard security measures to protect your information from unauthorized access, disclosure, alteration, and destruction, including:

• End-to-end encryption for all data transmissions
• Secure Socket Layer (SSL) technology
• Multi-factor authentication for account access
• Regular security audits and penetration testing
• Strict access controls and monitoring systems

While we strive to use commercially acceptable means to protect your information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security of your data.

5. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information:

• Access and Portability: You can request a copy of your personal information that we hold.
• Correction: You can request that we correct inaccurate or incomplete information about you.
• Deletion: You can request that we delete your personal information in certain circumstances.
• Restriction and Objection: You can request that we restrict or stop processing your personal information.
• Withdrawal of Consent: Where we rely on your consent to process your information, you can withdraw your consent at any time.

To exercise these rights, please contact us using the information provided in the "Contact Us" section. We will respond to your request within 30 days.

You can also manage certain privacy settings directly in your Billspot account settings, including:

• Updating your profile information
• Managing notification preferences
• Enabling or disabling location services
• Changing your password and security settings

6. Cookies and Tracking Technologies

We use cookies, web beacons, and similar tracking technologies to:

• Remember your preferences and settings
• Keep you logged in to your account
• Understand how you interact with our Platform
• Analyze the performance of our Platform
• Prevent fraud and enhance security
• Personalize content and marketing (with your consent)

You can manage your cookie preferences through your browser settings. Most browsers allow you to block or delete cookies. However, if you block certain cookies, you may not be able to use all features of our Platform.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. The criteria used to determine our retention periods include:

• The length of time we have an ongoing relationship with you
• Legal obligations to which we are subject (such as financial record-keeping requirements)
• Whether retention is advisable in light of our legal position (such as for statutes of limitations, litigation, or regulatory investigations)

When we no longer need to use your information, we will either securely delete it or anonymize it so that it can no longer be associated with you. For security reasons, we implement a controlled deletion process to prevent accidental or malicious removal of critical data.

8. Children's Privacy

Our Platform is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately. If we become aware that we have collected personal information from a child without verification of parental consent, we will take steps to remove that information from our servers.

9. International Data Transfers

Your information may be transferred to and processed in countries other than the country in which you reside. These countries may have data protection laws that are different from the laws of your country.

We ensure that any international transfers of your personal information comply with applicable data protection laws and that appropriate safeguards are in place to protect your information.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. When we make changes, we will update the "Effective Date" at the top of this Privacy Policy.

We will notify you of any material changes through a notice on our Platform or by sending an email to the email address associated with your account. We encourage you to review this Privacy Policy periodically to stay informed about our information practices.

Your continued use of our Platform after any changes to this Privacy Policy constitutes your acceptance of the revised Privacy Policy.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:

We will respond to your inquiry as soon as possible and within 30 days.