Privacy Policy

Effective Date: 12/12/2025
App Name: Billox NG
Website: www.billox.ng
Company: Billox NG

1. Introduction

Billox NG ("we," "our," "us") operates a bill payment platform that enables users to:

• Purchase airtime
• Buy mobile data
• Pay electricity bills
• Subscribe to cable TV services
• Perform other digital payment services

We are committed to protecting your privacy and handling your personal data transparently and securely in compliance with applicable data protection laws and Google Play policies.

By using the Billox NG mobile application or website, you agree to the terms of this Privacy Policy.

2. Information We Collect

To provide our services, we collect the following categories of information:

A. Personal Information

• Full name
• Phone number
• Email address
• Date of birth (if required for verification)
• Profile photo (if uploaded)
• Residential address (if required)
• Government-issued identification (if required for KYC compliance)

B. Financial & Transaction Information

• Bank account details
• Payment card information (processed securely via third-party payment processors)
• Transaction history
• Wallet balance information
• Bill payment details (meter numbers, decoder numbers, phone numbers for recharge)

C. Device & Technical Information

• IP address
• Device model and operating system
• App version
• Device identifiers
• Log data
• Mobile network information

D. Permissions We May Request

The Billox NG app may request access to:

• Phone state (to verify device identity and prevent fraud)
• SMS (for automatic OTP verification, if enabled)
• Internet access (to process transactions)

We only request permissions necessary to provide our services, and you may control permissions through your device settings.

3. How We Use Your Information

We use your data strictly for the following purposes:

• To create and manage your account
• To process airtime, data, electricity, and cable TV payments
• To verify your identity (KYC compliance)
• To detect and prevent fraud
• To provide customer support
• To send transaction confirmations
• To comply with legal and regulatory obligations
• To improve app functionality and user experience

We do NOT sell your personal data to third parties.

4. Legal Basis for Processing

We process personal data based on:

• Your consent
• Performance of a contract (providing bill payment services)
• Compliance with legal obligations (financial regulations, anti-money laundering laws)
• Legitimate interests (fraud prevention, system security)

5. Data Sharing & Third Parties

We may share your data with:

• Licensed payment processors
• Banks and financial institutions
• Utility service providers (electricity distribution companies, cable TV providers, telecom networks)
• Identity verification providers (for KYC compliance)
• Government or regulatory authorities when required by law

All third parties are contractually obligated to safeguard your data.

6. Data Retention

We retain your information:

• For as long as your account remains active
• As required by financial regulations
• As necessary to resolve disputes
• As required for tax and audit compliance

When data is no longer needed, we securely delete or anonymize it.

7. Data Security

We implement appropriate technical and organizational security measures, including:

• SSL encryption
• Secure payment gateways
• Encrypted data storage
• Access control restrictions
• Fraud monitoring systems

Despite our safeguards, no system is completely secure. Users are encouraged to protect their login credentials.

8. Your Privacy Rights

Depending on your jurisdiction, you may have the right to:

• Access your personal data
• Correct inaccurate information
• Request deletion of your data
• Withdraw consent
• Object to processing
• Request data portability

To exercise these rights, contact us at:
Email: [email protected]

9. Account Deletion Policy (Google Play Requirement)

Users may request deletion of their account and associated personal data by:

• Using the in-app "Delete Account" feature (if available), or
• Sending an email to [email protected] with the subject "Account Deletion Request"

We will process deletion requests within 7–30 days, except where retention is required by law.

10. Children's Privacy

Billox NG is not intended for individuals under 18 years of age. We do not knowingly collect personal data from minors.

11. International Data Transfers

Your data may be processed in Nigeria or other jurisdictions where our service providers operate, in compliance with applicable data protection laws.

12. Compliance With Google Play Policies

Billox NG adheres to the Google Play Developer Program Policies, including:

• Limited data collection
• Transparent data usage
• Secure data handling
• No unauthorized sharing of user data
• User consent before collecting sensitive information

We only collect data necessary for the core functionality of the app.

13. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Any changes will be posted on this page with a revised Effective Date.

14. Contact Information

If you have questions about this Privacy Policy or your personal data:

Billox NG
Website: www.billox.ng
Email: [email protected]
Phone: 08161816193
Business Address: Office 22, Cherub Mall, Lekki, Lagos, Nigeria.

Join the Billox community and redefine the way you stay connected and manage your bills.