Bilscore

This Privacy Policy describes how Bilscore ("we," "us," or "our") collects, uses, and discloses your information when you use our VTU and billing platform and the choices you have associated with that information.

1. Information We Collect

We collect several different types of information for various purposes to provide and improve our Service to you.

Personal Data

While using our Service, we may ask you to provide us with certain personally identifiable information:

Full name and username
Email address
Phone number
Wallet and transaction history (Agents and Retailers only)
Meter numbers and decoder numbers
KYC information (for Retailers and Agents)
Device information and IP addresses
WhatsApp identifier (WA ID)
USSD session data

Transaction Data

We collect detailed transaction information including:

Airtime and data purchase history
Electricity token purchase and delivery records
Subscription and pre-order details
Loan records (for Retailers)
QR code payments and scans

Usage Data

We may also collect information on how the Service is accessed and used:

IP address and location data
Browser type and version
Pages visited and time spent
Device identifiers
Channel usage (WhatsApp, USSD, Mobile App, Web)

2. How We Use Your Information

Bilscore uses the collected data for various purposes:

To process VTU transactions (airtime, data, electricity, cable TV)
To manage electricity pre-orders and subscriptions
To facilitate Retailer Starter Credit (RSC) loans
To provide customer support across all channels
To send transaction confirmations and receipts
To notify you of token delivery and subscription renewals
To detect and prevent fraud
To improve our services and user experience
To comply with regulatory requirements

3. Data Security & Encryption

We implement robust security measures to protect your data:

AES-256 Encryption: All electricity tokens are encrypted at rest
bcrypt Hashing: Passwords and PINs are securely hashed
HTTPS: All communications are encrypted in transit
Audit Logs: All administrative actions are logged
Rate Limiting: Protection against brute force attacks
OTP Verification: Secure two-factor authentication for QR payments

4. Data Sharing & Third Parties

We share your data only when necessary:

VTU Vendors: VTPass, Quickteller, Moniepoint, Flutterwave for transaction processing
Payment Processors: Flutterwave/Paystack for wallet funding
USSD Gateway: Africa's Talking/Beem for USSD services
WhatsApp: Meta WhatsApp Cloud API for messaging
SMS Gateway: For OTP delivery and notifications

We never sell your personal data to third parties. Any data shared is strictly for service delivery and is protected by confidentiality agreements.

5. Your Data Protection Rights

You have the following rights regarding your personal data:

Access: Request a copy of your personal data
Rectification: Correct inaccurate or incomplete data
Deletion: Request deletion of your account and data
Restriction: Limit how we process your data
Portability: Receive your data in a usable format
Objection: Object to data processing for marketing

To exercise these rights, contact us at privacy@bilscore.com.

6. Data Retention

We retain your data for the following periods:

Transaction logs: 7 years (regulatory requirement)
KYC data: 7 years (regulatory requirement)
Loan records: 7 years
USSD session logs: 90 days
QR payment sessions: 7 days
OTP logs: 30 days

7. Cookies & Tracking

We use cookies and similar tracking technologies to improve your experience:

Session Cookies: To keep you logged in
Preference Cookies: To remember your settings
Analytics Cookies: To understand how you use our service

You can control cookie preferences in your browser settings.

8. Children's Privacy

Our Service is not intended for persons under 18 years of age. We do not knowingly collect personally identifiable information from minors.

9. International Data Transfers

Your information may be transferred to and maintained on servers located outside your state, province, country, or other governmental jurisdiction where data protection laws may differ from those of your jurisdiction.

10. Changes to This Privacy Policy

We may update our 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.

11. Contact Us

If you have any questions about this Privacy Policy, please contact us:

Email: privacy@bilscore.com
Phone: +234 801 234 5678
Address: Bilscore HQ, Lagos, Nigeria
WhatsApp: +234 801 234 5678
USSD: *123#