Privacy Policy

1. Introduction

Welcome to Billows. 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.

2. Information We Collect

2.1 Personal Information

We may collect personal information that you provide to us, including:

• Name and contact information (email address, phone number)
• Identification documents for KYC verification
• Financial information (bank account details, payment card information)
• Transaction history and payment records

2.2 Usage Information

We automatically collect certain information when you use our services, including:

• Device information (device type, operating system, unique device identifiers)
• Log data (IP address, access times, pages viewed)
• Location data (with your permission)
• App usage patterns and preferences

3. How We Use Your Information

We use the information we collect to:

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

4. Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances:

• Service Providers: With trusted third-party service providers who assist us in operating our services
• Legal Requirements: When required by law or to protect our rights and safety
• Business Transfers: In connection with any merger, sale, or acquisition of our business
• With Your Consent: When you have given us explicit permission to share your information

5. Data Security

We implement industry-standard security measures to protect your personal information, including:

• Encryption of data in transit and at rest
• Two-factor authentication (2FA) for account access
• Transaction PINs for financial operations
• Regular security audits and assessments
• Secure data storage and access controls

6. Your Rights and Choices

You have the right to:

• Access and review your personal information
• Request correction of inaccurate information
• Request deletion of your personal information
• Opt-out of certain communications
• Withdraw consent for data processing (where applicable)

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. We will delete or anonymize your information when it is no longer needed.

8. 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 we have collected information from a child, we will take steps to delete such information.

9. 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.

10. Contact Us

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