BillNip Privacy Policy

Effective Date: 03/27/2025

This Privacy Policy explains how BillNip Corporation ("BillNip," "we," "us," or "our") collects, uses, shares, and protects your personal information when you use our mobile application, website, and related services (collectively, the "Services"). By accessing or using our Services, you consent to the data practices described in this policy.

1. Information We Collect

We collect information in the following ways:

a. Information You Provide

  • Name, email address, phone number, and physical address
  • Date of birth and other identifying information
  • Login credentials
  • Bill details (e.g., biller name, account number, amount)
  • Payment method details (e.g., bank account or card information, if applicable)
  • Communication and support inquiries

b. Information We Collect Automatically

  • IP address and device identifiers
  • Browser type and operating system
  • App usage data and browsing behavior
  • Date/time stamps and referring URLs

c. Information from Third Parties

  • Identity verification providers
  • Payment processors and financial institutions
  • Public databases and fraud prevention partners

2. How We Use Your Information

We use your information to:

  • Create and manage your BillNip account
  • Process payments and manage bill transactions
  • Verify your identity and prevent fraud
  • Provide customer support and respond to inquiries
  • Improve our Services and personalize user experience
  • Send administrative messages, updates, and alerts
  • Comply with legal obligations and regulatory requirements

3. How We Share Your Information

a. Service Providers

We share information with third-party providers that support our Services, including:

  • Payment processors
  • Cloud hosting services
  • Customer support platforms
  • Analytics providers

b. Financial and Regulatory Partners

To process payments, ensure compliance, and manage financial operations, we may share information with regulated third-party institutions.

c. Legal Requirements

We may disclose your information if required by law, subpoena, or legal process, or to protect our rights, property, or users.

d. Business Transfers

If we are involved in a merger, acquisition, or asset sale, your information may be transferred as part of that transaction.

e. With Your Consent

We do not sell your personal information unless you have given us explicit consent to do so. If you choose to opt in, your information may be shared with trusted third-party partners for marketing, donation, or service-related purposes in accordance with applicable law.

4. Data Retention

We retain personal information for at least seven (7) years, or as long as necessary to:

  • Provide our Services
  • Comply with legal and regulatory obligations
  • Resolve disputes
  • Enforce our agreements

Retention may be extended as necessary to comply with applicable laws, respond to regulatory inquiries, or resolve ongoing disputes. We may also retain anonymized or aggregated data for analytics, research, or business purposes indefinitely.

5. Your Privacy Rights

Depending on your jurisdiction, you may have rights to:

  • Access the personal data we hold about you
  • Request corrections or deletions of your data
  • Object to or restrict certain processing
  • Withdraw consent where applicable
  • Lodge a complaint with a regulatory authority

To exercise these rights, contact us at privacy@billnip.com.

6. California Privacy Rights (CPRA)

a. Categories of Personal Information We Collect

We collect the following categories:

  • Identifiers (e.g., name, email address, IP address)
  • Personal records (e.g., address, billing history)
  • Internet or network activity (e.g., site/app usage data)
  • Geolocation data (approximate, based on IP address)
  • Inferences drawn to create a profile (e.g., user preferences)

b. Rights of California Residents

California residents have the right to:

  • Know what personal information we collect and how we use it
  • Request deletion of personal information (subject to legal retention requirements)
  • Correct inaccurate personal information
  • Opt out of the sale or sharing of personal information
  • Limit use of sensitive personal information
  • Not be discriminated against for exercising these rights

c. How to Exercise Your Rights

To make a request under CPRA, email privacy@billnip.com or use the links provided in the app or website. You may be asked to verify your identity before we fulfill your request.

d. Do Not Sell or Share My Personal Information

BillNip may engage in data-sharing practices that are considered a “sale” or “sharing” under California law. You may opt out of these activities by visiting our Do Not Sell or Share My Personal Information page.

7. Security

We implement administrative, technical, and physical safeguards to protect your information. This includes encryption of data both at rest and in transit, access controls, and continuous monitoring for suspicious activity. However, no method of transmission over the internet or electronic storage is 100% secure. We encourage you to use strong passwords and keep your login credentials confidential.

8. Children’s Privacy

BillNip does not knowingly collect or allow the use of our Services by individuals under the age of 18. If we learn that we have collected information from a child under 18, we will delete it immediately.

9. Cookies and Tracking Technologies

We use cookies, pixels, and similar technologies to:

  • Analyze usage
  • Improve site functionality
  • Remember preferences
  • Deliver relevant content

Some tracking technologies may be placed by trusted third parties for analytics or advertising purposes. You can manage your cookie preferences in the app settings or by adjusting your browser settings. Disabling cookies may limit functionality.

10. Third-Party Links

Our Services may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. Please review their privacy policies before providing information.

11. Cross-Border Transfers

Your information may be stored or processed in the United States or other countries. When we transfer your information across borders, we implement safeguards such as Standard Contractual Clauses (SCCs) or rely on partners certified under frameworks like the EU-U.S. Data Privacy Framework. By using our Services, you consent to the transfer of your information to countries that may have different data protection laws than your country of residence.

12. Financial Services Disclaimer

Certain features within the BillNip platform, including identity verification, payment processing, and transaction management, are provided through licensed financial partners. BillNip itself is not a financial institution and does not directly offer these regulated services. When you use these features, your information is shared with and governed by the privacy policies of those partners. These financial institutions are responsible for compliance with financial privacy laws, including the Gramm-Leach-Bliley Act (GLBA), where applicable.

13. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of significant changes by posting a notice in the app or sending an email. Continued use of the Services after changes are posted constitutes your acceptance of the revised policy.

14. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:

Email: privacy@billnip.com
Mail: BillNip Corporation
453 S Spring St, Suite 400
Los Angeles, CA 90013

This Privacy Policy is governed by the laws of the United States and the State of Delaware.