1. Information we collect

We collect information you provide when you register, use our services, or contact us. This may include your name, email address, phone number, and payment or transaction details. We also collect technical data such as device information and usage data to improve our services and security.

2. How we use your information

We use your information to provide and improve our bill payment and wallet services, to verify your identity, to process transactions, to communicate with you, and to comply with applicable laws. We may also use aggregated data for analytics and to prevent fraud.

3. Sharing and disclosure

We do not sell your personal information. We may share your information with service providers who assist us in operating our platform (e.g. payment processors, identity verification), with regulators when required by law, or with your consent. We require such parties to protect your information in line with this policy.

4. Data security

We implement technical and organisational measures to protect your data against unauthorised access, loss, or misuse. This includes encryption, access controls, and secure infrastructure. No method of transmission over the internet is 100% secure; we encourage you to keep your passcode and PIN confidential.

5. Your rights

Depending on your location, you may have the right to access, correct, or delete your personal data, to object to or restrict processing, and to data portability. You can update account details in the app or contact us to exercise these rights. We will respond in line with applicable law.

6. Cookies and similar technologies

We use cookies and similar technologies to maintain sessions, improve security, and understand how our services are used. You can manage cookie preferences in your browser settings.

7. Changes to this policy

We may update this privacy policy from time to time. We will post the updated version on this page and indicate the last updated date. Continued use of our services after changes constitutes acceptance of the updated policy where permitted by law.

8. Contact us

For questions about this privacy policy or your personal data, please contact us via the Contact page.