Privacy Policy - BilfuPay

Welcome to BilfuPay. We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and services.

1. Information We Collect

1.1 Personal Information

We collect information that you provide directly to us:

• Account Information: Name, email address, phone number, and password
• Profile Information: Profile picture, address, and other optional profile details
• Identity Verification: Government-issued ID documents for account verification
• Payment Information: Payment method details, transaction history, and billing information
• Communication Data: Messages, support requests, and feedback

1.2 Automatically Collected Information

We automatically collect certain information when you use our app:

• Device Information: Device type, operating system, unique device identifiers, and mobile network information
• Usage Data: App usage patterns, features accessed, and interaction data
• Location Data: General location information (with your permission)
• Log Data: IP address, browser type, access times, and pages viewed

2. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our services
• Process transactions and send related information
• Verify your identity and prevent fraud
• Send you technical notices, updates, and support messages
• Respond to your comments, questions, and requests
• Monitor and analyze trends, usage, and activities
• Personalize and improve your experience
• Detect, prevent, and address technical issues
• Comply with legal obligations

3. Information Sharing and Disclosure

We do not sell your personal information. We may share your information in the following circumstances:

3.1 Service Providers

We may share information with third-party service providers who perform services on our behalf, such as:

• Payment processors (CinetPay, Moov Money, Orange Money)
• Cloud storage providers (Supabase, Cloudinary)
• Analytics and monitoring services
• Email and communication services

3.2 Legal Requirements

We may disclose your information if required by law or in response to valid requests by public authorities.

3.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

3.4 With Your Consent

We may share your information with third parties when you have given us explicit consent to do so.

4. Data Security

We implement appropriate technical and organizational security measures to protect your personal information, including:

• Encryption of data in transit and at rest
• Secure authentication and access controls
• Regular security assessments and updates
• Limited access to personal information on a need-to-know basis

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

5. Data Retention

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

• Provide our services to you
• Comply with legal obligations
• Resolve disputes and enforce agreements
• Maintain business records as required by law

6. Your Rights and Choices

You have the following rights regarding your personal information:

6.1 Access and Portability

You can access and download your personal information through the app or by contacting us.

6.2 Correction

You can update or correct your personal information through the app's profile settings or by contacting us.

6.3 Deletion

You can request deletion of your account and personal information. See our Account Deletion Policy for more information.

6.4 Opt-Out

You can opt-out of certain communications by adjusting your notification settings in the app or by contacting us.

6.5 Data Portability

You can request a copy of your data in a machine-readable format.

7. Children's Privacy

Our services are not intended for children under the age of 18. We do not knowingly collect personal information from children under 18. If you believe we have collected information from a child under 18, please contact us immediately.

8. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have data protection laws that differ from those in your country. We take appropriate measures to ensure your information is protected in accordance with this Privacy Policy.

9. Third-Party Services

Our app may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to read their privacy policies.

10. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our app and store certain information. You can instruct your device to refuse all cookies or to indicate when a cookie is being sent.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. You are advised to review this Privacy Policy periodically for any changes.

12. Contact Us