Privacy Policy

PadiBills ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform and services.

1. Information We Collect

Personal Information

• Full name
• Phone number
• Email address
• Billing address

Financial Information

• Wallet balances and transaction history
• Payment method details processed through our payment partners (Paystack, Monnify)
• Virtual bank account numbers assigned to you

Service Data

• Beneficiary phone numbers and account details
• Meter numbers, decoder numbers, and other utility identifiers
• Transaction logs, including amounts, timestamps, and service providers

Device and Usage Information

• IP address and location data
• Browser type and device information
• Login timestamps and session data
• Push notification tokens

2. How We Use Your Information

We use the collected information for the following purposes:

• To provide, maintain, and improve our VTU and bill payment services
• To process transactions and send transaction confirmations
• To verify your identity and prevent fraud
• To comply with legal and regulatory obligations
• To send service-related communications and updates
• To provide customer support and resolve disputes
• To analyze usage patterns and improve user experience

3. How We Share Your Information

We may share your information with:

• Service Providers: Third-party vendors who help us deliver our services, including VTU aggregators (VTPass, CheapDataHub, ClubKonnect, and others), payment processors (Paystack, Monnify), and cloud infrastructure providers.
• Regulatory Authorities: When required by law, court order, or governmental regulation.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

We do not sell your personal information to third parties.

4. Data Security

We implement industry-standard security measures to protect your data, including encryption of sensitive data (passwords and PINs are bcrypt-hashed), HTTPS for all communications, and regular security audits. However, no method of transmission over the Internet is 100% secure. We cannot guarantee absolute security.

5. Data Retention

We retain your personal information for as long as your account is active or as needed to provide you with our services. We may also retain and use your information to comply with legal obligations, resolve disputes, and enforce our agreements. Financial transaction records are retained in accordance with applicable Nigerian laws.

6. Your Rights

Depending on your jurisdiction, you may have the following rights regarding your personal data:

• Access: Request a copy of the personal data we hold about you.
• Correction: Request that we correct inaccurate or incomplete data.
• Deletion: Request deletion of your personal data, subject to legal retention requirements.
• Restriction: Request that we restrict processing of your data.
• Portability: Request a machine-readable copy of your data.
• Withdrawal of Consent: Withdraw consent at any time where we rely on consent to process your data.

To exercise any of these rights, please contact us at the email address below.

7. Third-Party Services

Our platform integrates with third-party services to process payments and fulfill utility transactions. These third parties have their own privacy policies governing the use of your information. We encourage you to review their policies. Our current third-party partners include Paystack, Monnify, VTPass, CheapDataHub, ClubKonnect, Vtubase, BillsNG, SMEPlug, and Reloadly.

8. Cookies and Tracking

We use cookies and similar tracking technologies to enhance your experience, analyze usage, and improve our platform. You can control cookie preferences through your browser settings. Disabling cookies may affect certain functionality of our platform.

9. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that a child has provided us with personal data, we will take steps to delete it.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on this page and updating the "Last updated" date. Your continued use of our platform after changes constitutes acceptance of the updated policy.

11. Contact Us

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

emmanuel.devpro@gmail.com