Privacy Policy

1. Introduction

At FastPoint Bill, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and services.

2. Information We Collect

2.1 Personal Information

When you register for an account or use our services, we may collect the following types of personal information:

• Identity Data: Your full name, gender.
• Contact Data: Your email address, phone number.
• Account Information: Username, password, authentication details, and account roles.
• Technical Data: Device unique identifiers (including device ID), IP address, browser type and version, operating system, platform, and mobile network information.
• Usage Data: Details about your interaction with the app, access logs, transaction history.
• Marketing and Communications Preferences: Your preferences for receiving emails, push notifications, and other communications from us.

2.2 Wallet and Transaction Information

We collect details related to your wallet activities and bill payments within the app. You fund your wallet exclusively through Paystack, a secure payment processor. Once the wallet is funded, you use your wallet balance to purchase services such as airtime, data, and other bill payments directly within the app. We collect transaction details including the type of service purchased, recipient account or phone number, timestamps, and payment confirmations for these wallet-funded purchases.
Importantly, Paystack processes all wallet top-up payments securely, and we do not store your debit or credit card details at any point.

2.3 Technical and Usage Data

We automatically gather device and usage information, including your IP address, browser type, operating system, and unique device identifiers such as device IDs used for push notification tokens. This information helps us provide, secure, and improve our services.

2.4 Notifications and Support Communications

We collect push notification tokens to send you timely updates and messages. We also collect any information you provide when contacting customer support.

3. How We Use Your Information

Your information is used to:

• Process your payments, wallet funding, and transactions securely via Paystack.
• Provide and improve bill payment services and wallet management.
• Send you push notifications, emails, and service-related communications.
• Provide customer support and respond to your inquiries.
• Detect, prevent, and respond to fraud or unauthorized activities.
• Comply with legal and regulatory obligations.
• Analyze app usage to improve service functionality and user experience.

4. Information Sharing and Disclosure

We share your information only with trusted third parties who support our operations, including:

• Paystack: for secure payment processing and wallet funding.
• Firebase: for analytics, push notifications, and app performance.
• Hosting and infrastructure providers: to maintain and serve our services.

We require all these partners to maintain confidentiality and only use your data for permitted purposes. We do not sell your personal data to any third party.

5. Account Deletion

You can request account deletion at any time by visiting our Account Deletion page or contacting support@fastpointbill.com. Upon deletion, your personal data will be securely erased except where retention is required by law.

6. Data Security

We implement technical and organizational measures to secure your data, including encryption in transit and at rest, access controls, and periodic audits.

7. Your Rights and Choices

You have the right to access, correct, delete, or export your personal data. To exercise these rights, contact us at support@fastpointbill.com.

8. Data Retention

We retain your personal data only as long as necessary to provide our services and comply with applicable legal obligations. Transaction records are retained according to legal requirements and for dispute resolution.

9. Children's Privacy

Our services are intended for users aged 18 or older. We do not knowingly collect personal information from anyone under 18.

10. Cookies and Tracking Technologies

We use cookies and similar technologies to improve your app experience and analyze usage. You can control cookies through your device or browser settings.

11. International Data Transfers

Your data may be processed or stored in countries outside your own. We apply appropriate safeguards to ensure your information remains protected.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you by posting the updated policy on this page with an updated "Last updated" date.

13. Contact Us