Privacy Policy

Welcome to BIS. Your privacy is important to us, and we are committed to protecting the personal information you share while using our mobile application, website, and related services

This Privacy Policy explains how BIS collects, uses, stores, protects, and shares your information when you use our platform.

By accessing or using the BIS service, you agree to the practices described in this Privacy Policy.

1. Information We Collect

To provide our services effectively, BIS may collect the following categories of information:

• A. Personal Information

When you create an account or use our services, we may collect:
Full Name, Email Address, Mobile Number, Residential Address, Date of Birth (where applicable), Gender (optional).

• B. Identity Verification Information

Where required for account verification, fraud prevention, or regulatory compliance, BIS may request:
Government-issued identification, Selfie verification, Business verification documents (where applicable).

• C. Device Information

When using the BIS application, we may automatically collect:
Device Model, Operating System, Device Identifier, IP Address, IP Address, Mobile Network Information, App Version, Crash Reports.

• D. Location Information

With your permission, BIS may access your device location to:
Improve nearby service recommendations, Verify transactions where necessary, Prevent fraudulent activities, Enhance delivery or merchant discovery services, Location services can be disabled from your device settings.

• E. Transaction Information

When you interact with businesses through BIS, we may collect:
Purchase history, Order details, Payment references, Cashback records, Reward points, Referral history, Promotion participation.



BIS does not store your complete payment card details unless expressly stated and secured in accordance with applicable payment standards.

• F. Communications

We may retain records of:
Customer support conversations, Emails, In-app messages, Feedback, Reviews, Survey responses

• 2. How We Use Your Information

Your information is used to:

• Create and manage your account.
• Respond promptly to Service requests required for execution.
• Provide BIS services.
• Process transactions.
• Deliver cashback and rewards.
• Improve customer experience.
• Recommend merchants.
• Prevent fraud and abuse.
• Verify identities.
• Respond to customer inquiries.
• Send account notifications.
• Improve application performance.
• Comply with legal obligations.
• Conduct analytics and research.

3. Marketing Communications

With your consent, BIS may send:

• Promotional offers.
• Reward notifications
• Product updates.
• Service announcements
• Newsletters
• Campaign information



Users may opt out of promotional communications at any time through the application settings or the unsubscribe option included in our communications.

4. How We Protect Your Data

BIS employs industry-standard security measures including:

1. Data encryption
2. Secure servers
3. Access controls
4. Multi-factor authentication where applicable
5. Security audits



While we strive to protect your information, no electronic transmission or storage system is completely secure. Users should also protect their account credentials.

5. Sharing of Information

BIS does not sell users' personal information. We may share information only where necessary with:

1. Payment processors
2. Delivery partners
3. Merchants participating on the BIS platform
4. Identity verification providers
5. Analytics providers
6. Cloud hosting providers
7. Customer support service providers
8. Regulatory authorities where legally required
9. Law enforcement agencies where required by law



All third parties are expected to protect your information and use it only for authorized purposes.

6. Merchant Access to Information

Where users transact with merchants through BIS, the merchant may receive information necessary to complete the transaction, such as:

Customer name

Contact information

Delivery information (where applicable)

Purchase details

Merchants are independently responsible for protecting any information they receive.

7. Data Retention

BIS retains information only for as long as necessary to:

1. Provide services
2. Resolve disputes
3. Prevent fraud
4. Enforce agreements
5. Maintain financial records



After the applicable retention period, information will be securely deleted or anonymized where appropriate.

8. Your Rights

Depending on applicable laws, users may have the right to:

• Access their personal information.
• Correct inaccurate information.
• Update profile details.
• Delete eligible personal information.
• Withdraw consent where processing is based on consent.
• Restrict certain processing activities.
• Object to specific uses of their data.
• Request a copy of their information where applicable.

Requests may be subject to legal or operational limitations.

9. Children's Privacy

BIS is not intended for individuals below the minimum legal age required to use the service in the applicable jurisdiction without appropriate parental or guardian consent.
If BIS becomes aware that personal information has been collected from a child in violation of applicable law, we will take reasonable steps to delete such information.

10. International Data Transfers

Where necessary, user information may be processed or stored in countries outside the user's country of residence.
BIS will take appropriate measures to ensure that transferred information remains protected in accordance with applicable data protection laws.

11. Data Breach Response

In the event of a data breach that poses a risk to users, BIS will:

• Investigate the incident.
• Contain the breach.
• Notify affected users where required by law
• Inform relevant regulatory authorities where applicable.
• Implement corrective measures to reduce the likelihood of recurrence.

12. Third-Party Links

The BIS application may contain links to third-party websites or services.
BIS is not responsible for the privacy practices or content of third-party platforms. Users should review the privacy policies of those services before providing personal information.

13. User Responsibilities

Users are responsible for:

• Providing accurate information.
• Keeping login credentials confidential.
• Promptly reporting unauthorized account access.
• Updating personal information when it changes.

Changes to this Privacy Policy

BIS may update this Privacy Policy periodically to reflect changes in technology, legal requirements, or business practices.
Updated versions will be published within the application and, where appropriate, users will be notified of significant changes.
Continued use of the BIS Services after changes take effect constitutes acceptance of the revised Privacy Policy.

Compliance

BIS is committed to complying with applicable privacy and data protection laws, including the Nigeria Data Protection Act (NDPA) 2023 and other relevant regulations governing the collection, processing, storage, and transfer of personal information.

Contact Us

If you have questions, requests, or concerns regarding this Privacy Policy or the handling of your personal information, please contact BIS through the official customer support channels provided within the BIS application or on the official BIS website.

Consent

By creating an account, accessing, or using the BIS application or related services, you acknowledge that you have read, understood, and agreed to this Privacy Policy and consent to the collection, processing, storage, and use of your information as described herein.
If BIS will operate in Nigeria, you may also want a version tailored specifically to the Nigeria Data Protection Act (NDPA) 2023, including lawful bases for processing, data subject rights, Data Protection Officer (DPO) details, cross-border transfer provisions, and complaint procedures for regulatory compliance.