Effective Date: September 18, 2026
Last Updated: September 18, 2026
This Privacy Policy explains how Billremit, operated by Billremit Tech Solutions ("Billremit", "we", "us", or "our"), collects, uses, stores, protects, and shares information when you use the Billremit mobile application and related services.
By using Billremit, you acknowledge that you have read and understood this Privacy Policy.
Billremit is a bill payment app that provides users with convenient access to services that may include airtime, mobile data, electricity bills, cable television subscriptions, examination PINs, wallet funding, referrals, rewards, and other services made available through the application.
We collect information that is necessary to create and maintain your account, provide our services, process transactions, secure your account, provide customer support, and comply with applicable requirements.
Depending on how you use Billremit, we may collect:
We use this information to create and manage your account, authenticate you, communicate with you, provide customer support, and operate our services.
When you fund your Billremit wallet or purchase a service, we may process information relating to the transaction, including:
Payments and wallet funding may be processed through third-party payment and financial service providers. We may share the information necessary to process and confirm a transaction with the relevant provider.
We do not need access to your full bank-card credentials when those credentials are handled directly by an external payment provider.
Certain Billremit services, including the creation or activation of a dedicated virtual account through a third-party financial service provider, may require identity information.
Where required by the relevant service provider, we may request information such as:
Where such information is required for a third-party service, the information may be transmitted to the relevant provider for the purpose of verification, account creation, regulatory compliance, fraud prevention, or provision of the requested service.
Billremit does not use BVN or NIN for advertising or unrelated purposes.
Where a third-party provider processes identity information on our behalf, that provider may have its own privacy policy and legal obligations governing its processing of the information.
If you choose to use a feature that allows you to select a recipient from your device contacts, Billremit may request permission to access your contacts.
Contacts access is used to help you select a phone number when purchasing supported services such as airtime or mobile data.
Billremit does not require access to your contacts for the general operation of your account, and you can deny this permission. Denying contact permission may prevent you from using features that specifically require contact selection.
We do not sell your contacts or use your contact list for advertising.
We may automatically receive limited technical information necessary to operate, secure, troubleshoot, and improve the application. Depending on the configuration of the application and its third-party services, this may include:
We use technical information for purposes such as security, troubleshooting, fraud prevention, service reliability, and improving the application.
We do not use persistent device identifiers for purposes prohibited by Google Play policies.
If you enable notifications, Billremit may use a push-notification service to send information such as:
You can control notification permissions through your device settings.
Where analytics or diagnostic services are enabled in the Billremit application, we may collect information about application performance and usage, such as:
This information helps us understand application performance, identify problems, improve reliability, and improve the user experience.
Where third-party analytics or diagnostic services are used, their processing may also be subject to their respective privacy policies.
We may use information we collect to:
We do not use personal information for purposes that are materially incompatible with the purposes described in this Privacy Policy without appropriate notice or consent where required.
We do not sell your personal information.
We may share information when necessary to provide the services you request or operate Billremit, including with:
We may share relevant information with payment processors, financial institutions, virtual-account providers, or other financial service providers to process wallet funding, payments, account creation, identity verification, transaction confirmation, fraud prevention, or related services.
To complete a transaction you initiate, we may transmit information such as a phone number, meter/account number, smartcard number, service identifier, plan identifier, or other required transaction information to the relevant service provider or authorized intermediary.
We may use third-party providers for services such as hosting, application infrastructure, security, analytics, notifications, transaction processing, or technical support. These providers may process information only as necessary to provide the services for which they are engaged and subject to applicable contractual or legal requirements.
We may disclose information where reasonably necessary to:
If Billremit or substantially all of its assets are involved in a merger, acquisition, restructuring, financing, sale, or similar business transaction, information may be transferred as part of that transaction, subject to applicable law and appropriate safeguards.
Billremit may rely on third-party service providers to provide certain functionality.
These providers may process information on our behalf or directly as part of the service they provide. Examples may include payment processors, financial service providers, bill-payment providers, hosting providers, analytics services, notification services, and security services.
Third-party providers may have their own privacy policies and terms. We encourage users to review the privacy information provided by third-party services when applicable.
We take reasonable technical and organizational measures to protect information against unauthorized access, loss, misuse, alteration, or disclosure.
These measures may include:
No electronic transmission or storage system can be guaranteed to be completely secure. Therefore, while we take reasonable measures to protect your information, we cannot guarantee absolute security.
We retain information for as long as reasonably necessary to:
When information is no longer required for these purposes, we will delete it, anonymize it, or securely dispose of it where reasonably practicable and in accordance with applicable legal requirements.
Some transaction or financial records may need to be retained for a longer period where required by law or by legitimate regulatory, accounting, fraud-prevention, or dispute-resolution requirements.
You may request deletion of your Billremit account and associated personal information.
To request account or data deletion, contact us using the details provided in the Contact Us section of this Privacy Policy or use the account-deletion functionality made available within the Billremit application, where available.
When we receive a valid deletion request, we will process the request in accordance with applicable law.
Some information may be retained where necessary or legally required for:
Information retained for these purposes will not be used for unrelated purposes.
Depending on applicable law, you may have rights relating to your personal information, including the right to:
Some requests may be subject to legal or regulatory requirements.
To exercise a privacy-related right, contact us using the information below.
Billremit may request permissions from your device only when a feature requires them.
For example, the application may request access to your contacts when you choose to select an airtime or data recipient from your contacts.
You can manage application permissions through your device settings. Disabling a permission may prevent the related feature from functioning.
Billremit is not specifically directed at children.
We do not knowingly collect personal information from children in violation of applicable law. If you believe that a child has provided personal information to us in circumstances where collection was not appropriate, please contact us so that we can investigate and take appropriate action.
Depending on the third-party service providers we use, information may be processed or stored in countries other than Nigeria.
Where information is transferred or processed outside Nigeria, we will take reasonable steps to ensure that the processing is carried out in accordance with applicable privacy and data-protection requirements.
We may update this Privacy Policy from time to time to reflect changes to our services, technology, legal requirements, or data practices.
When we make changes, we will update the Last Updated date at the top of this policy.
Where required, we may also provide additional notice through the Billremit application or other appropriate channels.
We encourage you to periodically review this Privacy Policy.
If you have questions, concerns, complaints, or requests relating to this Privacy Policy or the way Billremit handles your information, please contact us:
You may also contact Billremit through the customer-support channels made available within the application or on our official website.
By using Billremit, you acknowledge that you have read this Privacy Policy and understand how your information may be collected, used, stored, and shared as described above.
Where applicable law requires consent for a particular form of processing, we will obtain the required consent through an appropriate mechanism.
© 2026 Billremit. All rights reserved.