Privacy Policy

MyBills lets you buy airtime, pay electricity bills, send airtime in bulk, share airtime claim links, and schedule recurring payments. This policy explains what personal information we collect when you use the service, how we use it, and the choices you have.

The service is operated by MY BILLS SERVICES LIMITED (Company Registration No. 7533345) (“we”, “us”, “our”).

We collect the information you provide and the records created as you use the service:

• Account details — your first and last name, mobile number, password, and, if you choose to provide them, your email address and a referral code.
• Verification codes — one-time codes we send to confirm your phone number or email address.
• Identity verification (KYC) — when you request a dedicated bank account for wallet top-ups, we ask for your name, Bank Verification Number (BVN), bank, and bank account number.
• Payment and recipient details — phone numbers and networks you top up, electricity meter numbers and distribution companies, amounts, saved beneficiaries, bulk recipient lists, and schedule settings.
• Transaction records — orders, wallet transactions, references, delivery status, schedule runs, and prepaid electricity tokens.
• Support enquiries — your name, email address, subject, message, and IP address when you use our contact form. We use these to respond to your enquiry and help prevent abuse.
• Claim link entries — if you claim airtime through a public bulk airtime link, we collect the phone number you enter so the airtime can be delivered.

We do not ask for or store your full card details. Card payments are handled by our payment processor (see “Who we share information with”).

• To create and secure your account and sign you in.
• To process airtime, electricity, bulk, and scheduled payments, and to fund and manage your wallet.
• To verify your identity before issuing a dedicated account number, as required for that feature.
• To show your order and transaction history and help you repeat payments using saved details.
• To send verification codes and service messages about your account.
• To prevent fraud, investigate problems, provide support, and meet legal and regulatory obligations.

We do not sell your personal information. We share it only where needed to provide the service:

• Payment processors — card payments and wallet deposits are handled by Paystack. Paystack collects your card details directly under its own privacy policy.
• Banking and verification partners — to verify KYC details and issue dedicated account numbers, we use Paystack.
• Airtime and electricity providers — the recipient phone number or meter details required to deliver your purchase.
• Bulk airtime organisers — if you claim through a public link, the organiser can see the claimed entries for their campaign. Claimants cannot see the organiser’s account or other claimants’ details.
• Authorities — where required by law, regulation, or a valid legal request.

The web app stores a sign-in token, its expiry time, and a session identifier in your browser’s local storage to keep you signed in, and remembers your light or dark theme preference. Signing out clears your sign-in token. We do not use advertising cookies.

We keep your information for as long as your account is active and as needed to provide the service.

You can delete your account from Settings. Deletion removes your account, settings, and payment history from the service and may take up to 2 hours to complete. We may retain some transaction records for longer where needed to meet legal, financial, or regulatory obligations.

We use access controls and authenticated sessions to protect your information. Sensitive inputs such as your BVN are masked on screen by default. No method of transmission or storage is completely secure, so please keep your password private and let us know if you suspect unauthorised access.

Subject to applicable law, including the Nigeria Data Protection Act 2023, you may:

• View and update your profile from Profile.
• Change your password and delete your account from Settings.
• Request access to, correction of, or a copy of your information, or object to certain uses, by contacting us.

We may update this policy as the service changes. When we do, we will revise the “Last updated” date above and, for significant changes, let you know through the app.

For privacy questions or requests, contact us at support@mybills.ng.