Effective Date: May 2026

Welcome to BillsPro. Your privacy is important to us. This Privacy Policy explains how BillsPro collects, uses, stores, protects, and shares your information when you use our mobile application, website, and related services.

By using BillsPro, you agree to the collection and use of your information in accordance with this Privacy Policy.

1. About BillsPro

BillsPro is a digital financial platform that enables users to:

  • Pay utility bills
  • Create and manage USD virtual cards
  • Buy, sell, send, and receive cryptocurrencies
  • Fund and manage digital wallets
  • Access other financial services

2. Information We Collect

We may collect the following categories of information:

Personal Information

  • Full name
  • Phone number
  • Email address
  • Residential address
  • Date of birth
  • Government-issued identification
  • Bank Verification Number (BVN)
  • Selfie/photo verification data

Financial Information

  • Wallet balances
  • Transaction history
  • Payment activity
  • Card information
  • Crypto transaction details

Device & Technical Information

  • IP address
  • Device type
  • Operating system
  • Mobile network
  • App usage analytics
  • Cookies and tracking technologies

Location Information

We may collect approximate location data to improve security, fraud prevention, and compliance obligations.

3. How We Use Your Information

We use your information to:

  • Create and manage your BillsPro account
  • Verify your identity (KYC compliance)
  • Process transactions and payments
  • Provide USD virtual card services
  • Facilitate cryptocurrency transactions
  • Prevent fraud and unauthorized access
  • Improve our products and services
  • Communicate important updates and support information
  • Comply with legal and regulatory obligations

4. Legal & Regulatory Compliance

BillsPro may process personal information in compliance with:

  • Nigeria Data Protection Act (NDPA)
  • Anti-Money Laundering (AML) regulations
  • Know Your Customer (KYC) obligations
  • Central Bank of Nigeria (CBN) guidelines
  • Applicable cryptocurrency and fintech regulations

5. Sharing of Information

We do not sell your personal information.

However, we may share your information with:

  • Payment processors
  • Banking partners
  • Identity verification providers
  • Cryptocurrency infrastructure providers
  • Regulatory authorities
  • Fraud prevention and security partners
  • Service providers supporting BillsPro operations

We only share information necessary to provide our services or comply with legal obligations.

6. Data Security

BillsPro implements industry-standard security measures designed to protect your information from:

  • Unauthorized access
  • Loss or theft
  • Data breaches
  • Misuse or alteration

Security measures may include:

  • Encryption
  • Secure servers
  • Multi-factor authentication
  • Access controls
  • Continuous monitoring systems

While we strive to protect your data, no digital platform can guarantee absolute security.

7. Data Retention

We retain your information only for as long as necessary to:

  • Provide our services
  • Meet regulatory requirements
  • Resolve disputes
  • Prevent fraud
  • Enforce legal agreements

Certain financial records may be retained longer where required by law.

8. Your Rights

Depending on applicable laws, you may have the right to:

  • Access your personal information
  • Correct inaccurate information
  • Request deletion of your data
  • Withdraw consent
  • Object to certain processing activities
  • Request data portability
  • Lodge complaints with relevant authorities

Requests may be submitted through our support channels.

9. Cookies & Analytics

BillsPro may use cookies, analytics tools, and similar technologies to:

  • Improve app performance
  • Understand user behavior
  • Enhance security
  • Personalize user experience

You may disable cookies through your device settings, though some features may not function properly.

10. Third-Party Services

BillsPro may contain links or integrations with third-party platforms and services. We are not responsible for the privacy practices of third-party providers.

Users are encouraged to review the privacy policies of those providers independently.

11. Children’s Privacy

BillsPro is not intended for individuals under the age of 18. We do not knowingly collect personal information from minors.

12. International Data Transfers

Some of your information may be processed or stored outside Nigeria through trusted third-party infrastructure providers. Where this occurs, BillsPro takes reasonable steps to ensure appropriate data protection safeguards are maintained.

13. Changes to This Privacy Policy

BillsPro may update this Privacy Policy periodically to reflect changes in:

  • Services
  • Regulations
  • Security practices
  • Operational requirements

Updated versions will be posted within the app and/or website.

14. Contact Us

For questions, concerns, or requests regarding this Privacy Policy, contact:

BillsPro Support
Email: info@billspro.com.ng
Website: BillsPro Official Website

Consent

By accessing or using BillsPro, you acknowledge that you have read, understood, and agreed to this Privacy Policy.