As a credit card management application, BillMate attaches great importance to user privacy and has formulated this policy to regulate the handling and protection of personal information. For detailed privacy protection content, please refer to https://www.billmatecredit.com/privacy-policy. We only collect information necessary for our services and use all such data in strict accordance with applicable laws.
To avoid leakage and misuse of this information, we will transfer user data to the following address: https://ey.billmatecredit.com
To provide you with high-quality credit card services and ensure the normal operation of the application, we will collect the following information with your explicit consent when you use BillMate. Refusing to provide some information may affect the use of certain functions:
Mobile Phone Number: As the main verification channel, it is used to send account security reminders (such as abnormal login prompts, transaction notifications) and service updates (such as bill reminders, credit limit adjustments).
Email Address: As an alternative notification channel, it is used to send credit card statements, account security information, and service announcements, and also assists in password recovery and resolution of account-related issues.
Exclusively for profile picture replacement: Images are collected by taking photos with the camera or selecting from the album, allowing you to customize and update your profile picture, which enhances the personalized experience of the application.
Collect basic information (name, contact details) of your designated emergency contact to facilitate communication and assistance in case of account security issues or special circumstances, ensuring that potential problems are resolved in a timely manner.
User ID: Uniquely identifies your account to manage account-related information and transaction records.
Device ID: Used for synchronizing data among multiple devices, ensuring real-time cross-terminal access, and analyzing login behaviors to detect abnormal activities and enhance account security.
Advertising ID: Used to provide personalized service recommendations and related information. You can choose to disable this in your device settings.
We gather rough location details (e.g., city-level positioning obtained via network signals) for the following objectives:
Expense Classification: Automatically attach location-based labels to transactions (e.g., "Restaurant spending in Makati") to boost the precision of your financial records.
Regional Service Enhancement: Study consumption patterns across different regions to deliver location-specific functions.
We automatically collect data such as app crash records and functional error logs to identify and fix technical issues, optimize app stability, and ensure the smooth operation of our services.
With your separate consent, we collect the inventory of apps installed on your device to identify potential security risks (such as malicious software that may interfere with financial services) and to improve app compatibility.
Note: We will not access any specific content within these apps, and only retrieve the list of app names.
The app requests access to your call log solely to assist in completing the mobile phone number verification process during account registration or security checks. After verification is completed, this permission will not be used for any other purpose.
3.1 Identity Verification and Account Security: To establish a robust identity verification system by integrating information such as User ID, Device ID, and mobile phone number to ensure operational security.
3.2 Credit Card Service Management: To manage transaction records, send bill reminders, and provide real-time account information.
3.3 Provision of Personalized Services: To analyze your usage habits and provide personalized service recommendations and optimize the app's interface.
3.4 Service Optimization: To continuously improve app performance, fix technical vulnerabilities, and enhance user experience based on crash logs, device information, and user behavior analysis.
4.1 Encryption Technology: The AES-256 encryption algorithm is adopted to encrypt user information during transmission and storage.
4.2 Security Management Measures: User information is stored in data centers that comply with industry security standards, with strict access control mechanisms.
4.3 Security Training and Audits: We regularly train employees on data security and entrust third-party institutions to conduct regular security audits.
5.1 Data Retention Policy: Personal information and transaction records are retained during your use of the services and for 5 years after termination, in accordance with relevant laws. Diagnostic data and crash logs are retained for 2 years. Device identifiers are retained during the active period of the account and will be anonymized or deleted within 30 days after account cancellation.
5.2 Data Deletion Process: You can submit a data deletion request through "Account Settings" in the app or send an email to business@billmatecredit.com. We will review the request within 15 working days. For accounts inactive for 18 consecutive months, we will automatically delete or anonymize the relevant information after providing a 30-day advance notice.
6.1 Authorized Disclosure: We will only share your information with your explicit consent with third-party service providers (such as payment processors) who assist us in providing our services, under strict confidentiality agreements.
6.2 Legal Disclosure: We may disclose your information if required by law, regulations, or judicial orders.
We strictly abide by applicable laws, regulations, and regulatory requirements related to personal information protection in the regions where we operate.
The app may contain links to other websites. These websites have their own privacy policies, and we are not responsible for their privacy practices.
We reserve the right to modify and update this privacy policy. The updated policy will be posted in the app and on our official website https://www.billmatecredit.com/privacy-policy. If the update involves significant changes, we will notify you 30 days in advance.
If you have any questions, suggestions, or complaints regarding this privacy policy, please contact us through the following channel:
Customer Service Email: business@billmatecredit.com
Response Time: We will review and respond to your inquiries within 10 working days.