Privacy Policy

This Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your information when You use the Service and tells You about Your privacy rights and how the law protects You.

We use Your Personal Data to provide and improve the Service. We collect, use, and disclose Your information as described in this Privacy Policy and, where required by applicable law, only where We have a valid legal basis to do so, including Your consent (where consent is required).

Interpretation and Definitions

Interpretation

The words whose initial letters are capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions

For the purposes of this Privacy Policy:

• Account means a unique account created for You to access Our Service or parts of Our Service.
• Affiliate means an entity that controls, is controlled by, or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.
• Company (referred to as either "the Company", "We", "Us" or "Our" in this Privacy Policy) refers to Zipabill.
• Cookies are small files that are placed on Your computer, mobile device or any other device by a website, containing the details of Your browsing history on that website, among its many uses.
• Country/State refers to: Nigeria.
• Device means any device that can access the Service, such as a computer, a cell phone or a digital tablet.
• Personal Data (or "Personal Information") is any information that relates to an identified or identifiable individual. We use "Personal Data" and "Personal Information" interchangeably unless a law uses a specific term.
• Service refers to the Website.
• Service Provider means any natural or legal person who processes the data on behalf of the Company, to facilitate the Service, provide the Service on Our behalf, perform services related to the Service, or assist Us in analyzing how the Service is used.
• Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
• User means any individual who accesses or uses the Service.
• Website refers to Zipabill, accessible from zipabill.com.
• You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Collecting and Using Your Personal Information

Types of Data Collected

Personal Data

While using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You, including but not limited to:

• Email address
• First name and last name
• Phone number

Usage Data

Usage Data is collected automatically when using the Service. Usage Data may include information such as Your Device's Internet Protocol address, browser type and version, the pages of Our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

When You access the Service by or through a mobile device, We may collect certain information automatically, including the type of mobile device You use, Your mobile device's unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, and other diagnostic data.

Tracking Technologies and Cookies

We use tracking technologies such as cookies to track activity and improve Our Service, including:

• Cookies or Browser Cookies. You can instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent. If You do not accept Cookies, You may not be able to use some parts of Our Service.
• Web Beacons. Certain sections of Our Service may contain small electronic files that permit Us to count users who have visited those pages and for other related statistics.

Where required by law, We use non-essential cookies only with Your consent. You can withdraw or change Your consent at any time through Your browser or device settings.

We use both Session and Persistent Cookies for the purposes set out below:

• Necessary / Essential Cookies (Session, administered by Us): essential to provide services available through the Website and to enable You to use its features, including authenticating users and preventing fraudulent use of accounts.
• Cookies Policy / Notice Acceptance Cookies (Persistent, administered by Us): identify whether users have accepted the use of cookies and record the consent choices You have made.
• Functionality Cookies (Persistent, administered by Us): allow Us to remember choices You make, such as login details or language preference, to provide a more personal experience.

Use of Your Personal Data

The Company may use Personal Data for the following purposes: to provide and maintain Our Service; to manage Your Account; for the performance of a contract; to contact You regarding updates or informative communications; to provide You with news, special offers, and general information about goods, services and events similar to those You have already purchased or enquired about (sent only where permitted by applicable law, and always with an opt out); to manage Your requests; for business transfers; and for other purposes such as data analysis, identifying usage trends, and improving Our Service.

We may share Your Personal Data with Service Providers, in connection with business transfers, with Our Affiliates, with other users where the Service offers public areas, and with Your consent.

Text Messages Privacy Notice

If You opt in to receive text (SMS) messages from Us, We will collect and store information You provide in connection with text messaging, such as Your phone number, the date and method of Your consent, and message delivery and read information.

No mobile information is shared with or sold to third parties or affiliates for marketing or promotional purposes. Consent to receive text messages is not a condition of any purchase or use of Our Service. Reply STOP to opt out, reply HELP for support. Message and data rates may apply.

Retention of Your Personal Data

The Company will retain Your Personal Data only for as long as necessary for the purposes set out in this Privacy Policy, and to the extent necessary to comply with legal obligations, resolve disputes, and enforce Our agreements. Where possible, We apply shorter retention periods and reduce identifiability by deleting, aggregating, or anonymising data.

• User Accounts: retained for the duration of Your Account relationship plus up to 24 months after closure.
• Support tickets and chat transcripts: up to 24 months from closure, for quality assurance and to resolve follow up enquiries.
• Website analytics and server logs: up to 24 months from the date of collection.

We may retain data beyond these periods where required by law, to establish or defend legal claims, at Your explicit request, or where data exists in backup systems scheduled for routine deletion.

Transfer of Your Personal Data

Your information, including Personal Data, is processed at the Company's operating offices and any other places where parties involved in the processing are located, which may include locations outside Your jurisdiction. Where required by applicable law, We ensure appropriate safeguards are in place for such transfers.

Delete Your Personal Data

You have the right to delete or request that We assist in deleting the Personal Data We have collected about You. You may update, amend, or delete Your information at any time by signing in to Your Account, or by contacting Us directly. We may need to retain certain information where We have a legal obligation or lawful basis to do so.

Disclosure of Your Personal Data

If the Company is involved in a merger, acquisition or asset sale, Your Personal Data may be transferred; We will provide notice before this happens. We may also disclose Your Personal Data if required by law, in response to valid requests by public authorities, or where necessary to protect the rights, property or safety of the Company or the public.

Security of Your Personal Data

The security of Your Personal Data is important to Us, but no method of transmission over the Internet or electronic storage is 100% secure. While We use commercially reasonable means to protect Your Personal Data, We cannot guarantee its absolute security.

Children's and Minors' Privacy

The Service is not directed to, and We do not knowingly collect Personal Information from, anyone under the age of 16. If You are a parent or guardian and believe Your child has provided Us with Personal Information, please contact Us and We will take steps to remove it. Where We rely on consent and the law applicable to a User sets a higher age than 16, We may require the consent of that User's parent or guardian.

Links to Other Websites

Our Service may contain links to other websites not operated by Us. We strongly advise You to review the Privacy Policy of every site You visit. We have no control over and assume no responsibility for the content or privacy practices of any third party sites.

Changes to this Privacy Policy

We may update Our Privacy Policy from time to time. We will notify You by posting the new Privacy Policy on this page, and where appropriate by email or a prominent notice on Our Service, prior to the change becoming effective.

Contact Us

If You have any questions about this Privacy Policy, You can contact Us by email: hello@zipabill.com