Privacy Policy

Jeshtech Integrated Services ("we", "us", "our") operates JeshBill (jeshbill.ng). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use and protect your information when you use our platform. By using JeshBill, you agree to the collection and use of information in accordance with this policy.

We collect the following information when you use JeshBill: Personal Information: • Full name and email address provided during registration • Phone number (required for transfers and VTU services) • Profile photo (optional, uploaded by you) • Referral code and referral history Transaction Information: • Wallet funding records • Bill payment history (electricity, cable TV) • Airtime and data purchase records • WAEC Result Checker PIN purchase records • Wallet transfer records between JeshBill users • Auto-renewal subscription settings • Meter numbers and smartcard numbers used for payments Technical Information: • Device information and browser type • IP address (used for security and rate limiting) • Usage data and app interaction logs

We use your information to: • Create and manage your JeshBill account • Process transactions and payments on your behalf • Send transaction confirmations and notifications (in-app and email) • Process and manage auto-renewal subscriptions • Manage the referral and cashback reward programs • Provide customer support • Detect and prevent fraud and unauthorized access • Comply with legal obligations under Nigerian law • Send service updates and important notifications • Improve our platform and user experience We do not sell your personal information to third parties.

We share your information only when necessary to provide our services: Service Providers: We work with trusted third-party service providers to deliver our services. These providers assist with payment processing, telecommunications services, cloud storage, authentication, email communications and platform security. Each provider only receives the minimum information necessary to perform their specific function and is bound by their own privacy policies and data protection obligations. Legal Requirements: • We may disclose your information to comply with Nigerian law, court orders or government requests • We may share information to protect the rights and safety of JeshBill, our users or the public

We implement industry-standard security measures to protect your data: • All data is encrypted in transit using HTTPS and SSL • Passwords are securely hashed and never stored in plain text • Transaction PINs are encrypted and never visible to our team • Rate limiting is applied to login and signup to prevent brute force attacks • Access to user data is restricted to authorized personnel only • Regular security monitoring and audits While we take all reasonable precautions, no method of electronic storage or transmission is 100% secure. We encourage you to use a strong password and keep your transaction PIN confidential.

When you enable auto-renewal for a service, we store: • The service type (data, airtime or cable TV) • Your phone number or smartcard number for the service • Your chosen plan or subscription details • Your renewal frequency preference This information is used solely to process your scheduled renewals. You can cancel auto-renewal and delete this data at any time from the Auto-Renewals section in your dashboard.

We retain your personal information for as long as: • Your account is active • Required to provide our services • Required by Nigerian law and financial regulations • Necessary for legitimate business purposes Transaction records are retained for a minimum of 5 years as required by Nigerian financial regulations. You may request deletion of your account but transaction records required for legal compliance will be retained.

You have the right to: • Access your personal data held by JeshBill • Correct inaccurate personal information • Request deletion of your account • Cancel auto-renewal subscriptions at any time • Opt out of promotional communications • Request a copy of your transaction history To exercise any of these rights, contact us at support@jeshbill.ng. We will respond within 7 business days.

JeshBill uses minimal cookies and local storage to: • Keep you logged in to your account • Remember your preferences • Ensure platform security through session management We do not use third-party advertising cookies or tracking technologies. We do not serve advertisements on our platform.

JeshBill is not intended for use by anyone under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that a child under 18 has provided us with personal information, we will delete it immediately. If you are a parent or guardian and believe your child has used JeshBill, please contact us at support@jeshbill.ng.

Our platform may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies before providing any personal information.

We may update this Privacy Policy from time to time. We will notify you of significant changes via in-app notifications and email to your registered address. The date of the latest update is shown at the top of this policy. Continued use of JeshBill after changes constitutes your acceptance of the updated policy.

For privacy-related questions or concerns: • Email: support@jeshbill.ng • WhatsApp: 07047688074 • Business: Jeshtech Integrated Services • RC Number: 9487841 • Website: jeshbill.ng We aim to respond to all privacy inquiries within 48 hours on business days.