Privacy Policy

1. Introduction

This Privacy Policy explains how Bilta Technologies ("we", "us", or "our") collects, uses, and shares information when you use Biltapay. By using the service, you acknowledge the practices described here.

2. Information we collect

We may collect:

• Account information — name, email address, phone number, and password (stored in hashed form)
• Billing & payment details — biller information, account references, and payment metadata needed to process transactions (card or bank details are typically handled by our payment partners)
• Usage data — device type, IP address, app/browser information, and how you interact with the product
• Support communications — messages you send us about your account or issues

3. How we use information

We use information to:

• Provide, maintain, and improve Biltapay
• Process payments and send reminders about upcoming bills
• Authenticate you and protect against fraud or abuse
• Respond to support requests and communicate about the service
• Comply with legal obligations and enforce our Terms

4. How we share information

We may share information with:

• Service providers — payment processors, hosting, analytics, and communications vendors who process data on our instructions
• Billers & partners — as needed to complete a payment you initiate
• Legal & safety — when required by law, or to protect rights, safety, and the integrity of the service

We do not sell your personal information.

5. Retention

We keep information for as long as your account is active and as needed to provide the service, resolve disputes, and meet legal, accounting, or regulatory requirements. When we no longer need information, we delete or anonymize it where practicable.

6. Security

We use administrative, technical, and organizational measures designed to protect personal information. No method of transmission or storage is completely secure; we cannot guarantee absolute security.

7. Your choices

Depending on where you live, you may have rights to:

• Access, correct, or delete personal information we hold about you
• Object to or restrict certain processing
• Withdraw consent where processing is consent-based
• Request a copy of your data in a portable format

You can update some account details in the product. For other requests, contact us using the details below. You may also unsubscribe from marketing emails via the link in those messages (transactional notices related to payments or security will still be sent).

8. Children

Biltapay is not directed to children under 18. We do not knowingly collect personal information from children. If you believe a child has provided us information, contact us and we will take appropriate steps to delete it.

9. International transfers

Information may be processed in countries other than where you live. Where required, we use appropriate safeguards for cross-border transfers.

10. Changes

We may update this Privacy Policy from time to time. We will revise the "Last updated" date and, for material changes, provide additional notice where appropriate.

11. Contact

Privacy questions or requests can be sent to privacy@biltapay.com. Related terms of use are in our Terms of Service.