Privacy Policy

Last updated: November 5, 2026

1. Introduction

PrimeBills Technologies ("we", "us", "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, and share your personal information when you use our platform at primebills.com, our mobile applications, WhatsApp chatbot, and developer APIs (collectively, the "Service").

2. Information We Collect

Account Information: When you register, we collect your first name, last name, email address, phone number, date of birth, gender, and country of residence.

Identity Verification: For KYC compliance, we collect your Bank Verification Number (BVN), and may request government-issued identification documents.

Financial Information: Transaction history, wallet balances, bank account details for withdrawals, and virtual card usage data.

Device & Usage Data: IP address, browser type, device information, pages visited, and interaction patterns for security and service improvement.

WhatsApp Data: When you interact with our WhatsApp chatbot, we process your phone number and message content to provide services. We do not store message content beyond what is needed to complete your request.

3. How We Use Your Information

• To create and manage your account
• To process transactions (deposits, withdrawals, transfers, bill payments)
• To verify your identity (KYC/AML compliance)
• To issue virtual cards and bank accounts
• To send transaction notifications via email and WhatsApp
• To detect and prevent fraud and unauthorized access
• To comply with legal and regulatory requirements
• To improve our services and user experience

4. Data Sharing

We share your information only with:

• Payment Providers: Paystack, Fincra, and card issuers to process your transactions
• Bill Payment Partners: ClubKonnect, eBills.africa, VTU.ng for bill payment services
• WhatsApp (Meta): To deliver chatbot services via the WhatsApp Business API
• Regulatory Authorities: When required by Nigerian law or financial regulations

We do not sell your personal information to third parties for marketing purposes.

5. Data Security

We implement industry-standard security measures including:

• Encryption of sensitive data (BVN, card details, bank accounts) at rest and in transit
• Two-factor authentication (2FA) for account access
• Transaction PIN verification for all financial operations
• Real-time fraud detection and velocity controls
• Comprehensive audit logging of all security events
• Regular security assessments

6. Data Retention

We retain your personal information for as long as your account is active and as required by Nigerian financial regulations. Transaction records are retained for a minimum of 6 years as required by law. You may request deletion of your account by contacting support.

7. Your Rights

You have the right to:

• Access your personal data through your account settings
• Update or correct your information
• Request deletion of your account (subject to regulatory requirements)
• Withdraw consent for optional data processing
• Lodge a complaint with the Nigeria Data Protection Bureau (NDPB)

8. Cookies

We use essential cookies to maintain your session and preferences. We do not use third-party advertising cookies. By using our Service, you consent to the use of essential cookies.

9. Children's Privacy

Our Service is not intended for individuals under 18. We do not knowingly collect personal information from minors. If we discover that a minor has created an account, we will promptly delete it.

10. International Data Transfers

Your data may be processed by our payment partners in jurisdictions outside Nigeria. We ensure appropriate safeguards are in place for any such transfers in compliance with the Nigeria Data Protection Act (NDPA).

11. WhatsApp Business API

Our WhatsApp chatbot is powered by the WhatsApp Business API (Meta). By interacting with our chatbot, you agree to Meta's WhatsApp Terms of Service in addition to this Privacy Policy. We use your WhatsApp number solely to provide financial services and transaction notifications.

12. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of material changes via email or in-app notification. The "Last updated" date at the top reflects the most recent revision.

13. Contact Us

For privacy-related inquiries or to exercise your rights:

PrimeBills Technologies
Email: privacy@primebills.com
Website: https://primebills.com