Privacy Policy

Privacy Policy

Billa Money, operated by [www.billamoney.com] (hereinafter referred to as “Company,” “we,” “us,” or “our”), is committed to respecting your privacy and preferences. This Privacy Policy outlines our practices regarding the collection, use, and protection of your personal information, in compliance with applicable data privacy regulations. This policy applies to all products, services, and platforms of Billa Money, including its website and applications.

Definitions

Data: A representation of information, facts, concepts, or instructions for communication, processing, or interpretation by human beings or automated systems.

Personal Data: Any information related to an identifiable individual.

Processing: Operations performed on personal data, including collection, storage, use, or dissemination.

Data Fiduciary: The entity deciding how personal data is processed.

Data Processor: The entity processing personal data on behalf of the Data Fiduciary.

Data Principal: The individual whose personal data is being processed.

Collection of Information

Billa Money collects various types of information to deliver its services effectively. This includes:

Personal Information

• Full name, email address, mobile number, password, date of birth, gender, Permanent Account Number (PAN), Aadhaar card details, voter ID, or passport details.
• Bank account details, marital status, nominee information, and current/residential address.
• Records of correspondence through email, calls, live chat, or social media communications.

Technical and Transactional Information

• Device and browser details (e.g., type, operating system, IP address, IMEI).

• Location data and unique identifiers for regulatory compliance.

• Transactional history, credit information, and interactions with our services.

Use of Your Information

Your information may be used for the following purposes:

1. To verify identity and create secure login credentials.
2. To facilitate, personalise, and enhance your experience on our platform.
3. To deliver requested services and maintain our platform’s functionality.
4. To safeguard against security threats, fraud, or data misuse.
5. To comply with legal and regulatory requirements.
6. To inform you of updates, policy changes, and promotional activities.
7. To improve and customise our services through analysis of user preferences and service usage patterns.

Disclosure of Information

Billa Money may disclose user information to:

1. Affiliates and Subsidiaries: To provide seamless access to services across the Billa Money group.
2. Service Providers and Vendors: For operational support, including customer service and payment processing.
3. Regulatory Authorities: To comply with legal, statutory, or regulatory obligations.
4. Business Partners: For product offerings or joint promotional activities.

Without Consent

In certain cases, information may be disclosed without prior consent:

• To government or regulatory authorities under legal requirements.
• To fulfil obligations mandated by law or judicial orders.

International Data Transfers

Billa Money may use cloud service providers with servers located outside India. When personal data is transferred internationally, appropriate safeguards will be implemented to ensure compliance with applicable data privacy laws.

User Rights

As a user, you have the following rights:

• Right to Information and Access: Request details about the personal data we hold.

• Right to Rectification: Correct inaccurate or incomplete personal data.

• Right to Erasure: Request deletion of personal data, subject to legal obligations.

• Right to Object and Restrict Processing: Object to or limit the processing of your personal data.

• Right to Withdraw Consent: Withdraw previously granted consent for data processing.

To exercise these rights, please contact us at contact@billamoney.com. Verification of your identity may be required before processing such requests.

Consent Withdrawal

To withdraw consent for data processing, email contact@billamoney.com. from your registered email address. Requests will be processed within 30 business days. Note: Certain data may be retained to comply with legal obligations, and withdrawal of consent may impact the availability of services.

Data Security

Billa Money employs advanced security measures, including administrative, technical, and physical safeguards, to protect personal data from unauthorized access, loss, or misuse. Regular audits and updates ensure the continued integrity of our systems.

Grievance Redressal

For queries or grievances related to data privacy, please contact our appointed Grievance Officer:

Email: contact@billamoney.com.
Contact: +916381719825

Governing Law & Jurisdiction

This Privacy Policy is governed by the laws of India and is subject to the exclusive jurisdiction of the courts located in [Insert Jurisdiction, e.g., Mumbai].

Changes to This Privacy Policy

Billa Money reserves the right to revise this Privacy Policy from time to time. Updates will be posted on our website, and users are encouraged to review the policy periodically to stay informed of any changes. Our commitment to user privacy remains a priority.

Contact Us
For any privacy-related concerns, reach out to us at contact@billamoney.com.