1. Overview
This Privacy Policy explains how BillsBridge, operated by n-Qube in Accra, Ghana, collects and uses personal information when you use our app and services. We process data in line with the Data Protection Act, 2012 (Act 843) of Ghana. By using BillsBridge you agree to this policy.
2. Information we collect
Information you give us
- Account details: your name, business name, phone number and email.
- Business data: your catalog, products, prices, invoices and campaigns.
- Customer details you add: a customer's name and WhatsApp number, so you can invoice them.
- Settlement details needed to pay out your collected funds.
Information we collect automatically
- Device and app information, log data, and basic usage analytics.
- Transaction status (paid, pending, failed) for invoices you send.
3. How we use information
- To provide the Service — create and send invoices, run campaigns, and track payments.
- To process payments and settle funds to your account.
- To deliver messages on WhatsApp branded as your shop.
- To provide support, prevent fraud and abuse, and keep the platform secure.
- To improve our features and understand how the Service is used.
4. Payments & Paystack
Payments are processed by Paystack. When a customer pays, their card or Mobile Money details are handled by Paystack under its own security and privacy standards — BillsBridge does not see or store full card numbers. We receive confirmation of the payment so we can mark the invoice paid.
5. WhatsApp & messaging
To deliver invoices, receipts and campaigns, we process the customer phone numbers you provide and send messages through WhatsApp. Those messages are also subject to WhatsApp's and Meta's privacy terms. You are responsible for having a proper basis to message your customers.
6. Sharing information
We share information only as needed to run the Service:
- With payment and messaging providers (such as Paystack and WhatsApp/Meta) to complete payments and deliver messages.
- With service providers who host and secure our infrastructure, under confidentiality obligations.
- Where required by law, regulation, or a valid request from a competent authority.
7. Data retention
We keep personal information for as long as your account is active and as needed to provide the Service, meet legal and accounting obligations, and resolve disputes. When data is no longer needed, we delete or anonymise it.
8. Security
We use encryption in transit, access controls, and reputable infrastructure to protect your data. No system is perfectly secure, but we work continuously to safeguard your information and will notify you of a material breach as required by law.
9. Your rights
Subject to Ghanaian law, you may:
- Access the personal information we hold about you.
- Correct information that is inaccurate or out of date.
- Request deletion of your account and data.
- Object to or restrict certain processing.
To exercise any of these, email support@billsbridge.co.
10. Data deletion
You can request deletion of your BillsBridge account and associated data at any time:
- In the app: open Settings → Account → Delete account.
- By email: write to support@billsbridge.co from your registered email with the subject "Data deletion".
We will verify your request and delete your personal data within 30 days, except where we must retain limited records to meet legal, tax, or fraud-prevention obligations.
11. Contact & changes
We may update this policy and will post the new version here with a revised date. Questions or requests? Email support@billsbridge.co. BillsBridge, Accra, Ghana.