Effective Date: September 2025
App Name: Billspike
Company: Billspike Streams Telecoms Ltd.
Contact: info@billspike.com
1. Introduction
Billspike (“we,” “our,” or “us”) values your privacy. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use the Billspike App, website, or related services (collectively, “the Service”).
By using Billspike, you agree to the terms of this Privacy Policy. If you do not agree, please do not use our services.
2. Information We Collect
We collect information to provide better services and to ensure smooth functionality of the Billspike platform.
A. Information You Provide
- Personal Data: Full name, phone number, email address, password, and contact details when registering an account.
- Payment Information: Card details, bank account information, or wallet details (processed securely through Paystack or other regulated payment gateways).
- Verification Information: Identity documents or BVN (if required for KYC compliance).
- Support Requests: Information shared during customer support chats or emails.
B. Information We Collect Automatically
- Device Information: Mobile device ID, IP address, operating system, app version, and network type.
- Usage Data: Pages viewed, buttons clicked, transaction history, and in-app behavior.
- Location Data: Approximate location for fraud prevention and service optimization (optional and permission-based).
C. Information from Third Parties
We may receive limited data from:
- Payment processors (e.g., Paystack, Moniepoint, Flutterwave) for transaction verification.
- Mobile operators or utility companies when you purchase airtime, data, or electricity tokens.
3. How We Use Your Information
We use your information to:
- Create and manage your Billspike account.
- Process payments, bills, and wallet transactions.
- Send receipts, notifications, and updates about your activity.
- Provide customer support and technical assistance.
- Prevent fraud, unauthorized access, or illegal transactions.
- Improve app performance and develop new features.
- Comply with applicable laws and regulatory requirements.
4. Data Sharing and Disclosure
We do not sell your personal information.
However, we may share it under these conditions:
- With Service Providers: For payment processing, hosting, analytics, or customer support (under confidentiality agreements).
- With Regulators: If required by law, court order, or government request.
- With Business Partners: When facilitating utility or airtime transactions on your behalf.
- During a Merger or Sale: If Billspike is acquired, your data may be transferred to the new entity (with notice provided).
5. Data Storage and Security
We use advanced security measures to protect your data, including:
- Encrypted databases and secure cloud infrastructure.
- Two-factor authentication (2FA) for sensitive operations.
- Regular system audits and access control.
Your information is stored securely within Nigeria or in regions with equivalent data protection laws.
Despite our safeguards, no system is 100% secure, so you also play a role in keeping your account safe by maintaining confidentiality of your password and device.
6. Data Retention
We retain your data only for as long as necessary:
- To comply with financial regulations.
- To resolve disputes or enforce our agreements.
- To improve future service quality.
When data is no longer needed, it is securely deleted or anonymized.
7. Your Rights
Under the NDPR and GDPR, you have the right to:
- Access your personal data.
- Request correction of inaccurate information.
- Request deletion (“Right to be Forgotten”).
- Withdraw consent to data processing.
- Lodge a complaint with NITDA (Nigeria Data Protection Bureau).
To exercise these rights, contact privacy@billspike.com
8. Cookies and Tracking
Billspike uses cookies and similar tracking technologies to:
- Remember user preferences.
- Analyze app performance.
- Offer personalized experiences.
You may disable cookies in your browser, but this may affect some app functions.
9. Third-Party Links
Billspike may contain links to third-party websites or apps.
We are not responsible for their privacy practices or content.
Please review their policies before sharing personal information.
10. Children’s Privacy
Billspike is not intended for children under 16.
We do not knowingly collect data from minors.
If you believe a minor has provided data, contact us immediately for removal.
11. Updates to this Policy
We may update this Privacy Policy from time to time.
Any changes will be posted here with the new effective date.
Users will be notified in-app or via email where applicable.
12. Contact Us
For questions, feedback, or complaints about this Privacy Policy, please contact:
Billspike Streams Telecom Ltd.
Email: info@billspike.com
Phone: +234 901 234 5678
Address: Port Harcourt, Rivers State, Nigeria