Privacy Policy

1. Introduction

Super Media Communication ("we," "us," or "our") operates the SuperBills platform (superbills.org). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our services.

By using SuperBills, you consent to the data practices described in this policy. If you do not agree with our policies, please do not use our platform.

2. Information We Collect

We collect several types of information to provide and improve our services:

2.1 Personal Information

• Account Information: Full name, email address, phone number, and password when you register.
• Identity Verification: Date of birth, government-issued ID (if required for certain transactions).
• Payment Information: Bank account details, card information (processed securely by our payment partners).
• Transaction Data: Details of bill payments, airtime purchases, and wallet transactions.

2.2 Automatically Collected Information

• Device Information: IP address, browser type, operating system, device identifiers.
• Usage Data: Pages visited, features used, time spent on the platform.
• Location Data: General location based on IP address (we do not track precise GPS location).
• Cookies: Session cookies for authentication and preferences.

3. How We Use Your Information

We use the collected information for:

• Service Delivery: Processing bill payments, airtime purchases, and wallet transactions.
• Account Management: Creating and maintaining your account, verifying identity.
• Communication: Sending transaction confirmations, OTPs, security alerts, and important updates.
• Customer Support: Responding to inquiries and resolving issues.
• Security: Detecting and preventing fraud, unauthorized access, and other illegal activities.
• Improvement: Analyzing usage patterns to enhance our services and user experience.
• Compliance: Meeting legal and regulatory requirements.

4. Information Sharing

We may share your information only in the following circumstances:

• Service Providers: Third-party companies that help us operate our platform (payment processors like Paystack, Monnify, Flutterwave; email services; hosting providers).
• Billers and Networks: Utility companies, telecom operators, and cable TV providers to process your payments.
• Legal Requirements: When required by law, court order, or government regulation.
• Fraud Prevention: With law enforcement or regulatory bodies to investigate suspected fraud.
• Business Transfers: In connection with a merger, acquisition, or sale of assets (your data would remain protected under this policy).

5. Data Security

We implement robust security measures to protect your information:

• Encryption: All data transmitted between your device and our servers is encrypted using SSL/TLS.
• Secure Storage: Personal data is stored on secure servers with restricted access.
• Password Protection: Your password is hashed and cannot be viewed by our staff.
• Payment Security: We do not store full card details; payment processing is handled by PCI-DSS compliant partners.
• Access Controls: Employee access to user data is strictly limited and monitored.
• Regular Audits: We conduct periodic security assessments and updates.

While we strive to protect your information, no method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security but are committed to using industry-standard practices.

6. Data Retention

We retain your information for as long as:

• Your account remains active.
• Necessary to provide you with our services.
• Required to comply with legal obligations (e.g., tax records, transaction history).
• Needed to resolve disputes and enforce our agreements.

Transaction records are typically retained for a minimum of 6 years to comply with Nigerian financial regulations. If you close your account, we will delete or anonymize your personal data within 90 days, except where retention is required by law.

7. Your Rights

You have the following rights regarding your personal information:

• Access: Request a copy of the personal data we hold about you.
• Correction: Update or correct inaccurate information in your account.
• Deletion: Request deletion of your account and associated data (subject to legal retention requirements).
• Opt-Out: Unsubscribe from promotional emails (transactional emails for security and payments will still be sent).
• Data Portability: Request your data in a structured, machine-readable format.

To exercise these rights, please contact us at superbillsng@gmail.com.

8. Cookies and Tracking

We use cookies and similar technologies to:

• Keep you logged in to your account.
• Remember your preferences.
• Understand how you use our platform.
• Improve our services based on usage patterns.

You can control cookies through your browser settings, but disabling them may affect the functionality of our platform.

9. Third-Party Links

Our platform may contain links to third-party websites or services. We are not responsible for the privacy practices of these external sites. We encourage you to review the privacy policies of any third-party services you access through our platform.

10. Children's Privacy

SuperBills is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children. If we discover that we have inadvertently collected data from a minor, we will promptly delete it.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of significant changes by:

• Posting the updated policy on our website.
• Sending an email notification to registered users.
• Displaying a notice on our platform.

The "Last Updated" date at the top of this policy indicates when it was last revised.

12. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: