JTBills

At JTBills, powered by our commitment to secure, instant payments, your privacy is paramount. This Privacy Policy details how we handle the information collected from users ("you") of the JTBills mobile application (the "App").

1. Information We Collect

We collect information necessary to process your payments and provide a seamless service. This includes:

• Personal Identification Data: Your name, email address, phone number, and account credentials used for sign-up and communication.
• Transaction Data: Details of your payments, including the type of bill (Data, Airtime, Electricity, TV Subs, Exam Pins), the amount, date/time, and the successful or failed status of the transaction.
• Financial Data: While we do not store full payment card numbers, we collect and transmit payment information (like partial card numbers and payment processor token identifiers) securely through industry-leading, PCI-compliant payment gateways.
• Device and Usage Data: Information about the device you use (e.g., hardware model, operating system, unique device identifiers) and how you interact with the App.

2. How We Use Information

We use the collected information for the following primary purposes:

• Service Delivery: To process and complete your requested transactions (e.g., topping up airtime, generating exam pins).
• Security and Fraud Prevention: To monitor activity, verify user identity, and protect against fraudulent or unauthorized transactions.
• Customer Support: To respond to your inquiries, troubleshoot issues, and provide efficient customer service.
• Service Improvement: To analyze usage patterns and feedback to enhance the functionality, speed, and reliability of the JTBills App.

3. Data Security and Retention

We employ robust, bank-grade security measures, including **SSL/TLS encryption**, to protect your data during transmission. While no system is 100% secure, we continuously update our protocols to guard against unauthorized access, alteration, or disclosure. We retain your information only as long as necessary to fulfill the purposes outlined in this policy, or as required by law.

4. Disclosure to Third-Parties

We share your information only when necessary to provide the service: with our trusted **Payment Processors** (to handle card transactions) and **Utility Providers** (e.g., network carriers, electricity companies) to fulfill your bill requests. These entities are bound by strict confidentiality and data protection obligations.

5. Children’s Privacy

JTBills is not directed at or intended for children under the age of 13. We do not knowingly collect personal information from individuals in this age group. If we discover that a child under 13 has provided us with personal information, we will take steps to delete such information.

6. Your Rights and Account Deletion

You have the right to access, update, or request the deletion of your personal information. If you wish to permanently **delete your JTBills account** and all associated personal data, you can do so directly within the App's settings or by contacting us. We will process your deletion request promptly, subject to any legal or necessary business retention requirements.

7. Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal obligations. We will notify you of any significant changes by posting the new policy on this page and updating the "Last Updated" date at the top of the policy.

8. Contact Us

If you have any questions or concerns regarding this Privacy Policy or your data, please contact our Data Protection Officer at: support@jtbills.com