Privacy Policy

1. Introduction

This Privacy Policy describes how we collect, use, and protect your personal information when you use our bill payment platform. We are committed to protecting your privacy and ensuring the security of your personal data.

2. Information We Collect

3. How We Use Your Information

We use your information to:

• Process bill payments and manage your account
• Verify your identity and prevent fraud
• Send transaction confirmations and account notifications
• Provide customer support and respond to inquiries
• Improve our services and develop new features
• Comply with legal and regulatory requirements
• Send important updates about our services

4. Information Sharing

We may share your information with:

• Service Providers: Third-party payment processors, banks, and utility companies to complete transactions
• Legal Compliance: Government agencies or law enforcement when required by law
• Business Partners: Trusted partners who help us provide our services (under strict confidentiality agreements)
• Security Purposes: To prevent fraud and ensure platform security

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

5. Data Security

We implement robust security measures including:

• End-to-end encryption for all sensitive data
• Secure SSL connections for all transactions
• Regular security audits and vulnerability assessments
• Two-factor authentication options
• Restricted access to personal information on a need-to-know basis
• Regular staff training on data protection practices

6. Your Rights

You have the right to:

• Access and review your personal information
• Correct or update your personal information
• Delete your account and associated data
• Opt-out of marketing communications
• Request a copy of your data
• Restrict or object to certain data processing activities

To exercise these rights, please contact us through your account settings or our customer support.

7. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Transaction records may be kept for up to 7 years for regulatory compliance. When you delete your account, we will securely delete your personal information within 30 days, except where required to retain it by law.

8. Cookies and Tracking

We use cookies and similar technologies to enhance your experience on our platform. These include:

• Essential cookies for platform functionality
• Security cookies to protect your account
• Analytics cookies to improve our services
• Preference cookies to remember your settings

You can manage your cookie preferences through your browser settings.

9. Third-Party Services

Our platform integrates with third-party services (payment processors, utility companies, banks) to provide our services. These partners have their own privacy policies, and we encourage you to review them. We ensure that all partners meet our security and privacy standards through contractual agreements.

10. Children's Privacy

Our services are not intended for children under 18 years of age. 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 to request deletion.

11. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure that such transfers comply with applicable data protection laws and implement appropriate safeguards to protect your information.

12. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes through email or platform notifications. Continued use of our services after changes constitutes acceptance of the updated policy.

13. Contact Us

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