Privacy Policy – Billio Recharge & Bill Payment Services
At Billio, we respect your privacy and are committed to protecting your personal, financial, and transactional information. This Privacy Policy explains how we collect, use, store, and safeguard user data across our digital services, including mobile recharge, DTH recharge, BBPS bill payments, AEPS services (if applicable), and related digital payment solutions.
1. Information We Collect
When you register or use Billio services, we may collect personal and technical information such as your name, mobile number, email address, IP address, device details, location data, and basic account information. This data helps us verify users, prevent fraud, and ensure smooth service delivery.
2. Transaction Information
For every recharge or bill payment, we collect transaction-related details including amount, service type, operator or biller name, date and time, and transaction status. This information is required to generate receipts, handle disputes, process refunds, and maintain regulatory records.
3. KYC & Identity Verification (If Required)
In certain cases, we may request KYC-related information such as Aadhaar, PAN, or other documents as required by banks, NPCI, BBPS, or applicable regulations. All KYC data is stored securely and used strictly for verification and legal compliance purposes.
4. Purpose of Data Usage
The information collected by Billio is used to:
- Create and manage user accounts
- Process recharges and bill payments
- Send transaction alerts and confirmations
- Improve platform performance
- Prevent fraud and unauthorized activity
- Resolve disputes and customer support requests
5. Platform Improvement
We analyze anonymized usage patterns and transaction flow to improve the reliability, speed, and functionality of our website and applications. This helps us enhance user experience and system stability.
6. Notifications & Alerts
Your contact details may be used to send OTPs, payment confirmations, refund updates, security alerts, service notifications, or important platform updates. Promotional communication, if any, will be limited and relevant.
7. Cookies & Tracking
Billio uses cookies and similar technologies to improve user experience, remember preferences, and enhance security. Cookies do not store sensitive personal information and can be managed or disabled through browser settings.
8. Third-Party Integrations
To complete transactions, Billio integrates with banks, payment gateways, BBPS partners, and service providers. User data is shared only to the extent necessary for transaction processing and regulatory compliance, and never for unauthorized marketing purposes.
9. Data Storage
All user information is stored on secure servers protected by access controls and encryption. Data is retained only as long as required for operational, regulatory, and audit purposes.
10. Data Security
Billio uses industry-standard security measures including SSL encryption, secure servers, firewalls, and restricted access protocols to protect user data from unauthorized access, misuse, or loss.
11. Biometric Data (AEPS, If Applicable)
Billio does not store biometric data such as fingerprints or iris scans. Biometric authentication during AEPS transactions is processed through secure, authorized channels as per NPCI and UIDAI guidelines.
12. Wallet & Settlement Security (If Applicable)
Wallet balances, settlement records, and transaction logs are maintained in secure systems accessible only to authorized personnel, ensuring transparency and data integrity.
13. Fraud Prevention
Billio monitors transactions and account activity to detect suspicious behavior, repeated failures, or misuse of services. Accounts involved in fraudulent or unlawful activity may be suspended or terminated.
14. Data Sharing
We do not sell or rent user data. Information may be shared only when required by law, regulatory authorities, or to complete transactions through authorized partners.
15. User Rights
Users may request access to their personal data, update profile details, correct inaccuracies, or request account deactivation, subject to applicable legal and regulatory requirements.
16. Children’s Privacy
Billio services are intended for users aged 18 years and above. We do not knowingly collect or process data from minors.
17. B2B & API Client Data (If Applicable)
For business or API partners, we may collect technical information such as IP addresses, usage logs, and access credentials to ensure secure integrations and prevent misuse.
18. Unauthorized Activities
Unauthorized access, misuse of services, manipulation of transactions, or violation of platform rules may result in immediate account suspension and may be reported to relevant authorities.
19. Backups & Data Recovery
We maintain secure and encrypted data backups to ensure continuity of services and recovery in case of technical failures or system disruptions.
20. Policy Updates
Billio may update this Privacy Policy from time to time to reflect regulatory changes, technology updates, or operational requirements. Continued use of the platform after updates indicates acceptance of the revised policy.
21. Legal Compliance
Billio complies with applicable Indian laws, including RBI, NPCI, BBPS guidelines, and the Information Technology Act. Data handling practices are aligned with regulatory and industry standards.
22. External Links
Our platform may contain links to third-party websites or services. Billio is not responsible for their privacy practices, and users are encouraged to review third-party policies independently.
23. Limitation of Liability
While we implement strong security measures, Billio is not responsible for data loss or unauthorized access caused by user negligence, compromised devices, or sharing of sensitive credentials.
24. User Consent
By using Billio services, you consent to the collection, use, and storage of your information as described in this Privacy Policy.
25. Contact Information
For any privacy-related questions, concerns, or requests, users may contact Billio through the official contact details provided on our website. We aim to address all queries with transparency and care.
WE’RE HERE
Request for free consultation.We try to reach
all our customers. Please wait 24-48 hours
C/O BIJADHAR RAY
IN FRONT, OF MIDDLE SCHOOL DHARHARA,
Paliganj, Paliganj, Patna- 801110, Bihar