Privacy Policy

Last updated: March 05, 2026

1. Introduction

Welcome to Billway Payment Services LTD ("we," "our," or "us"). We respect your privacy and are committed to protecting your personal data. This privacy policy explains how we collect, use, disclose, and safeguard your information when you use our platform.

2. Information We Collect

We collect information that you provide directly to us, including:

  • Business Information: Company name, registration number, address, and contact details
  • Account Information: Name, email address, phone number, and password
  • Transaction Data: Details of collections, disbursements, and bill payments
  • Technical Information: IP address, browser type, device information, and API usage logs
  • Sub-User Information: Data about your end-users that you manage through our platform

3. How We Use Your Information

We use the information we collect to:

  • Provide, maintain, and improve our services
  • Process transactions and send related information
  • Send technical notices, updates, and security alerts
  • Respond to your comments, questions, and customer service requests
  • Monitor and analyze trends, usage, and activities
  • Detect, prevent, and address technical issues and fraud
  • Comply with legal obligations and enforce our terms

4. Data Sharing and Disclosure

We may share your information with:

  • Payment Providers: To process transactions on your behalf
  • Service Providers: Third parties who assist in operating our platform
  • Legal Requirements: When required by law or to protect our rights
  • Business Transfers: In connection with any merger, sale, or acquisition
We never sell your personal information to third parties.

5. Important: We Are a Connector Platform

Billway Payment Services LTD acts as a connector between your business and payment providers. We do not hold or store customer funds. All financial transactions are processed and settled directly through our licensed payment provider partners.

This means:

  • Your funds are held by regulated financial institutions
  • We serve as a technical bridge for transaction processing
  • Transaction data is shared with providers for settlement purposes
  • We maintain audit logs for compliance and security

6. Data Security

We implement appropriate technical and organizational measures to protect your data, including:

  • End-to-end encryption for all API communications
  • Secure data centers with physical security controls
  • Regular security audits and vulnerability assessments
  • Access controls and authentication mechanisms
  • Employee training on data protection

7. Your Rights

You have the right to:

  • Access your personal data
  • Correct inaccurate or incomplete data
  • Request deletion of your data
  • Object to processing of your data
  • Request data portability
  • Withdraw consent at any time

8. Data Retention

We retain your information for as long as necessary to:

  • Provide our services
  • Comply with legal obligations
  • Resolve disputes and enforce agreements
  • Maintain audit trails for regulatory purposes (minimum 7 years)

9. Cookies and Tracking

We use cookies and similar tracking technologies to:

  • Remember your preferences and settings
  • Understand how you use our platform
  • Improve user experience
  • Analyze platform performance

You can control cookies through your browser settings.

10. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children.

11. Changes to This Policy

We may update this privacy policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Last updated" date.

12. Contact Us

If you have questions about this privacy policy, please contact us:

  • privacy@billway.com
  • +234 800 000 0000
  • 123 Business District, Port Harcourt, Rivers State, Nigeria
Contact Us