Privacy Policy

Your data protection is our priority

Effective December 2024

At Standard Bills, we don't only respect and value the privacy of our clients, visitors and website and mobile application users but we are also committed to protecting the privacy and security of our customers' personal data/information. This Privacy Policy explains how we collect, use, and protect personal data when you visit or interact with the website or other services offered by Standard Bills which is in accordance with the Nigeria Data Protection Act (NDPA) 2023 and other relevant and applicable laws.

Important: Kindly read through this policy as your engagement and usage with our website and services connote that you agree to the collection and use of information in accordance with this policy.

1. Consent

You consent to our use of your personal information when you (voluntarily) provide us with them to be able to access any of our products online or in any of our outlets. You also consent when you sign forms or documents enabling us to provide certain services to you.

2. Scope

This Privacy Policy applies to all individuals who use our payment services, including:

Customers who create an Account with us.

Customers who use our Mobile Money Operating Services to send or receive money.

Customers who use our Payment Service Solution Services to make or receive payments.

Merchants who use our Payment Services to receive payments.

Customers who engage and use our Website and Mobile Applications.

3. Types of Personal Data We Collect

Personal Data for the purpose of this Policy includes information that we collect automatically when you visit our website or any of our channels, information collected upon registration or subscription for our products or services, information collected at Onboarding and maintenance of account, information that you provide or disclose to us voluntarily through:

Direct Interaction:

When you create an account, use our services, or communicate with us.

Automated Technologies:

When you interact with our website, mobile application, or online platforms.

Third-Party Sources:

When we receive information from third-party sources, such as identity verification services or credit reporting agencies.

We collect the following types of personal data:

Identification Data:

Name, Email Address, Phone Number, Contact Address, Photograph, Date of Birth, and Government-Issued Identification.

Financial Data:

Bank Account Information, Payment Card Information, Bank Verification Number (BVN) and Transaction History.

Mobile Money Data:

Mobile Money Account Information, Transaction History, and Balance Information.

Payment Data:

Payment Instrument Information (e.g., Credit/Debit Card, Bank Account), Payment Amount, and Payment Purpose.

Device Data:

IP Address, Device Type, Operating System, and Browser Type.

Location Data:

Location Information, such as City, State, and Country.

4. Purposes for Which We Use Personal Data

We use personal data for the following purposes:

To Provide Our Services: to facilitate payments, Mobile Money transactions, and other services.

To Verify Identity: to prevent fraud, money laundering, and terrorist financing.

To Improve Our Services: to analyze and improve usage patterns and functionality, identify trends, enhance user experience and performance of our website and mobile applications.

To Communicate with You: to send notifications, updates, marketing materials and respond to your inquiries.

To Comply with Laws and Regulations: to meet our obligations and comply with applicable laws and regulations, including Data Protection Laws.

To detect and prevent financial crimes: including fraud, financing for terrorism and money laundering for ensuring security and business continuity.

5. Basis for Processing Information

Prior consent has been obtained from data subjects for the use and processing of personal data

To comply with our legal obligations

To satisfy a Public Interest

To enter and perform our contractual obligations

For the performance of a statutory duty

For the legitimate interest of Standard Bills and our Data subjects

6. Sharing of Personal Data

In ensuring and enhancing our service delivery, we may share personal data with our technical support and other service providers, partners, associates and subsidiaries of the company where necessary as well as:

Service Providers: to facilitate payments, Mobile Money transactions, and other services.

Identity Verification Services: to verify identity and prevent fraud.

Credit Reporting Agencies: to assess creditworthiness and prevent fraud.

Law Enforcement Agencies: to comply with laws and regulations.

Regulatory Bodies: to comply with laws and regulations.

Mobile Network Operators: to facilitate Mobile Money transactions.

Banks and Financial Institutions: to facilitate payments and transactions.

7. Data Security

We implement appropriate technical and organizational measures to protect personal data against unauthorized access, alteration, disclosure, or destruction. These measures include encryption, access controls, and regular security assessments.

8. Data Retention

We retain personal data only for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, resolve disputes, and enforce our agreements.

9. Your Rights

Under applicable data protection laws, you have the following rights:

Right of Access: to request access to your personal data

Right to Rectification: to request correction of inaccurate personal data

Right to Erasure: to request deletion of your personal data

Right to Restrict Processing: to request limitation of processing

Right to Data Portability: to request transfer of your data

Right to Object: to object to processing of your personal data

Right to Withdraw Consent: to withdraw consent at any time

10. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. These technologies help us analyze website usage, personalize content, and improve our services. You can manage your cookie preferences through your browser settings.

11. Third-Party Services

Our website and services may contain links to third-party websites or integrate with third-party services. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies.

12. International Data Transfers

We may transfer your personal data to countries outside Nigeria for processing. When we do so, we ensure appropriate safeguards are in place to protect your data in accordance with applicable data protection laws.

13. Children's Privacy

Our services are not intended for individuals under the age of 15. We do not knowingly collect personal data from children under 15. If we become aware that we have collected such data, we will take steps to delete it promptly.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will notify you of any material changes by posting the updated policy on our website and, where appropriate, by other means such as email notifications.

15. Contact Information

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:

Email: support@standardbills.com

Phone: +234 (0) 913 8459 247

Address: No. 1 Ikeja streat, Area 2, FCT Abuja, Nigeria

Last Updated: December 22, 2024

Standard Bills Privacy Policy