Privacy Policy

With Bill Station, you can now pay all of your utility bills in one place, from the comfort of your own home.

Bill Station Technologies Limited

Last Updated: December 9, 2025

1. Introduction

Welcome to Bill Station, a digital platform operated by Bill Station Technologies Limited (“Bill Station,” “we,” “our,” or “us”).

Bill Station provides a technology platform that facilitates payments and access to third-party financial and lifestyle services through its mobile and web applications.

By accessing or using the Bill Station platform, you agree to be bound by these Terms of Service (“Terms”). If you do not agree, you must discontinue use of the Services immediately.

2. Description of Services

Bill Station enables users to conveniently access and facilitate payments for everyday services, including but not limited to:

Digital bill payments (electricity, internet, TV, utilities)

Airtime and data top-ups

Wallet-based fund transfers and digital payments

Virtual cards and online payment facilitation

Event, transport, and digital ticketing

Travel-related services (hotel bookings, flights, airport pickups)

Marketplace payments and vendor settlements

Other technology-enabled financial or lifestyle services made available from time to time

Important Clarification

Bill Station is a technology and payment facilitation platform. We are not a bank, deposit-taking institution, or financial custodian, unless explicitly stated otherwise. Funds processed on the platform are handled by licensed third-party financial institutions.

3. Account Registration and User Responsibilities

To access certain features, users must create an account and provide accurate, complete, and current information.

You are responsible for:

Maintaining the confidentiality of your login credentials

All activities conducted through your account

Ensuring information provided remains accurate

Promptly notifying us of any suspected unauthorized access or security breach

4. Prohibited Use

Users must not:

Use the Services for illegal, fraudulent, or deceptive activities

Attempt to bypass security, verification, or system controls

Use another person’s identity or account without authorization

Upload malicious software or interfere with platform operations

Use the platform in violation of applicable laws or regulations

Violation may result in suspension or termination of access.

5. Fraud Monitoring and Compliance

To protect users and comply with applicable laws, Bill Station may monitor transactions and account activity using automated and manual processes to detect fraud, suspicious behavior, or prohibited activities.

Where required, information may be shared with regulators or law enforcement authorities in accordance with applicable laws.

6. Suspension or Termination

We reserve the right to suspend or terminate access to the Services where:

These Terms are violated

Fraud, misuse, or illegal activity is suspected

Required by law, regulation, or a competent authority

7. Limitation of Liability

To the maximum extent permitted by law, Bill Station shall not be liable for indirect, incidental, special, or consequential damages arising from the use or inability to use the Services.

8. Governing Law

These Terms are governed by the laws of the Federal Republic of Nigeria, without regard to conflict-of-law principles.

🔐 PRIVACY POLICY

Bill Station Technologies Limited
Effective Date: December 9, 2025

1. Overview

This Privacy Policy explains how Bill Station Technologies Limited (“Bill Station,” “we,” “our,” or “us”) collects, uses, discloses, and protects personal information when you use the Bill Station mobile application, website, and related services (the “Services”).

We are committed to protecting your privacy and complying with applicable data protection laws, including the Nigeria Data Protection Regulation (NDPR) and relevant international privacy standards.

2. Information We Collect
A. Information You Provide

Account Information: Name, email address, phone number, residential address, login credentials

Transaction Information: Payment details and transaction history

Communication Information: Messages, support requests, and feedback

User Content: Information voluntarily submitted through the platform

Identity Verification Information: Government-issued ID documents and verification details (where required)

Social Media Information: Information shared when interacting with us via social platforms

B. Automatically Collected Information

Log Data: IP address, browser type, access timestamps

Usage Data: Pages accessed, features used, time spent, interaction metrics

Device Information: Device type, operating system, and identifiers

Cookies & Analytics: Performance and usage analytics (configurable via browser or device settings)

C. Biometric and Camera Data (iOS Devices Only)

On supported iOS devices (e.g., iPhone X and newer), Bill Station may access the device camera and Apple’s TrueDepth API only during optional identity verification processes.

Facial images or depth data may be captured temporarily

Processing occurs locally on the user’s device where possible

Raw biometric data is never stored or retained by Bill Station

Bill Station receives only verification results (e.g., success or failure)

Identity verification is provided by Smile ID, a third-party verification partner. Smile ID processes data solely for identity verification and fraud prevention, in accordance with its privacy policy:
https://usesmileid.com/privacy

This usage complies with Apple App Store Guideline 5.1.3.

3. Lawful Basis for Processing

We process personal data only where a lawful basis exists, including:

User consent

Performance of a contract

Compliance with legal or regulatory obligations (including KYC/AML)

Legitimate interests such as fraud prevention and platform security

Users may withdraw consent at any time where applicable.

4. How We Use Your Information

We use information to:

Provide and maintain the Services

Facilitate transactions and third-party services

Verify identity and prevent fraud

Provide customer support and service communications

Improve platform performance and user experience

Perform internal analytics and reporting

Comply with legal and regulatory obligations

Support corporate transactions (e.g., mergers or restructuring)

Biometric data is used solely for identity verification and discarded immediately after processing.

5. Sharing and Disclosure of Information

We may share information with:

Service Providers: Payment processors, infrastructure providers, analytics partners

Identity Verification Partners: Smile ID (verification results only)

Affiliates: Within the Bill Station corporate group

Legal Authorities: Where required by law or regulation

Business Transfers: In the event of a merger, acquisition, or asset sale

Other Users: Only where you choose to share information (e.g., referrals)

We do not sell personal data to third parties.

6. Digital Asset (Crypto) Services

Bill Station may facilitate access to third-party digital asset exchange services. Bill Station does not custody digital assets, operate an exchange, or provide investment advice. All digital asset transactions are processed through licensed third-party partners and subject to their respective terms.

7. Data Retention

We retain information only as long as necessary:

Account information: While the account remains active

Transaction records: Up to 7 years for regulatory and audit purposes

Verification results: Retained for compliance; biometric data is never retained

Marketing data: Until consent is withdrawn

8. User Rights

Subject to applicable law, users may:

Access and obtain a copy of personal data

Request correction or deletion

Restrict or object to processing

Withdraw consent at any time

Request data portability

Opt out of biometric verification (alternative methods may apply)

Requests can be submitted via the contact details below.

9. Marketing Communications

We may send service-related and promotional communications via email, SMS, or in-app notifications.

Users may opt out of promotional messages at any time. Service-critical communications (e.g., security alerts) may still be sent where necessary.

10. Children’s Privacy

Bill Station is not intended for children under 13 years of age. We do not knowingly collect personal data from children. If such data is identified, it will be deleted promptly.

11. Security Measures

We implement administrative, technical, and physical safeguards to protect personal data. However, no system is completely secure, and absolute security cannot be guaranteed.

12. Data Breach Notification

In the event of a data breach that poses a risk to user data, Bill Station will investigate, mitigate impact, and notify affected users and relevant authorities as required by law.

13. International Data Transfers

Your information may be processed in Nigeria or other countries where our partners operate. By using the Services, you consent to such transfers in accordance with this Policy.

14. Policy Updates and Versioning

This Privacy Policy may be updated periodically. Continued use of the Services constitutes acceptance of the revised policy. Previous versions may be provided upon request.

15. Contact Information

For privacy or data-related inquiries, contact:

Email: Admin@thebillstation.com,privacy@thebillstation.com

Website: https://www.thebillstation.com

Company: Bill Station Nig Limited

Country of Incorporation: Nigeria