Privacy Policy

Welcome to Billora Digital Services. We are committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, store, and protect your data when you use the Billora mobile application and website located at billora.ng.

By downloading, installing, or using the Billora app or website, you agree to the practices described in this Privacy Policy. If you do not agree, please do not use our services.

1. About Us

Business Name: Billora Digital Services

Business Registration No: 9549185

Website: https://billora.ng

Email: billora207@gmail.com

Phone: +2349164019482

Country: Nigeria

2. Information We Collect

When you use the Billora app or website, we may collect the following types of information:

Personal Information:

• Full name
• Email address
• Phone number
• Bank account details (for wallet withdrawal purposes only)
• NIN (National Identification Number — optional, for verification)
• Referral code

Transaction Information:

• Wallet balance and transaction history
• Data, airtime, electricity, cable TV, and other service purchases
• Meter numbers, smart card numbers, and recipient phone numbers entered for transactions

Device and Technical Information:

• Device type and operating system
• IP address
• App version
• Login activity and session data

3. How We Use Your Information

Your information is used for the following purposes:

• Creating and managing your Billora account
• Processing VTU transactions including data, airtime, electricity, cable TV, and digital services
• Crediting your wallet and processing withdrawals
• Verifying your identity and preventing fraud
• Sending transaction notifications and service updates
• Providing customer support
• Improving our platform and services
• Calculating and paying referral commissions to eligible resellers

4. Data We Do NOT Collect

• We do not collect your precise or approximate GPS location
• We do not access your phone contacts, camera, or microphone
• We do not collect SMS messages from your device
• We do not access your photos, files, or storage
• We do not track your browsing activity outside the Billora app
• We do not collect health or fitness data

5. Third-Party Services

To deliver our services, we work with trusted third-party providers including:

• VTU API Providers — for processing data, airtime, electricity, and cable TV transactions
• Payment Processors — for wallet funding and bank transfers
• SMS Verification Providers — for virtual number services (SMSPool)
• Social Media Service Providers — for social boost services
• Telegram — for internal admin transaction notifications only

These providers only receive the minimum information necessary to complete your requested transaction. We do not share your personal data with any third party for advertising or marketing purposes.

6. Data Sharing

Billora Digital Services does not sell, rent, or trade your personal information to any third party.

We may share your information only in the following limited circumstances:

• With service providers necessary to process your transactions
• When required by Nigerian law or valid legal process
• To protect the rights, safety, or property of Billora or our users
• In the event of a business merger or acquisition (users will be notified)

7. Data Security

We implement multiple security measures to protect your information:

• Passwords are stored using encryption — never in plain text
• Transaction PIN protection for sensitive actions
• Secure HTTPS connections for all data transmission
• Session-based authentication
• Idempotency keys to prevent duplicate transactions
• Wallet transaction logging for full audit trail

While we take all reasonable precautions, no system is 100% secure. Users are responsible for keeping their password and PIN confidential.

8. Data Retention

We retain your account and transaction data for as long as your account is active or as needed to provide services. Transaction records may be retained for up to 7 years for compliance and dispute resolution purposes. You may request account deletion by contacting our support team.

9. Children's Privacy

The Billora app and services are not directed at children under the age of 13. We do not knowingly collect personal information from children under 13. If we discover that a child under 13 has provided us with personal information, we will delete it immediately.

10. Your Rights

As a Billora user, you have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your account and associated data
• Withdraw consent for optional data processing
• Receive a copy of your transaction history

To exercise any of these rights, contact us at billora207@gmail.com.

11. Cookies

The Billora website (billora.ng) may use session cookies to maintain your login state and improve your browsing experience. The Billora Android app does not use tracking cookies. We do not use advertising cookies or cross-site tracking.

12. International Users

Billora Digital Services is based in Nigeria and our services are primarily intended for users in Nigeria. If you are accessing our services from outside Nigeria, please be aware that your data may be processed in Nigeria under Nigerian data protection laws including the Nigeria Data Protection Act (NDPA) 2023.

13. Changes to This Policy

We may update this Privacy Policy from time to time. When we make significant changes, we will notify users through the app or by email. The "Last Updated" date at the top of this page will always reflect the most recent version. Continued use of the Billora app or website after changes constitutes acceptance of the updated policy.

14. Contact Us