BillFront Ltd ("BillFront", "we", "our", or "us") is committed to protecting and respecting your privacy.
BillFront Ltd is the data controller of the personal information we hold about you.
We collect personal information that you voluntarily submit directly to us when you use our Site. This can include information you provide to us when you register for an account and user profile, correspond with us or use some other feature of our Site.
We may also collect personal information from third parties, such as social networks.
We will indicate to you where the provision of certain personal information is required in order for us to provide you certain features of the Site. If you choose not to provide such personal information, we may not be able to provide access to certain aspects of the Site to you or respond to your other requests.
We also automatically collect personal information indirectly about how you access and use the Site and information about the device you use to access the Site.
The table at Annex 1 sets out the categories of personal information we collect about you and how we use that information. The table also lists the legal basis which we rely on to process the personal information and the recipients of the personal information.
We may link or combine the personal information we collect about you and the information we collect automatically. This allows us to provide you with a personalised experience regardless of how you interact with us.
We may anonymise and aggregate any of the personal information we collect (so that it does not directly identify you). We may use anonymised information for purposes that include testing our IT systems, research, data analysis, improving our Site and developing new products and features. We may also share such anonymised information with others.
We will store the personal information we collect about you for no longer than necessary for the purposes set out in Annex 1 in accordance with our legal obligations and legitimate business interests.
To determine the appropriate retention period for personal information, we consider the amount, nature and sensitivity of the personal information, the potential risk of harm from unauthorised use or disclosure of your personal information, the purposes for which we process your personal information and whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting or other requirements.
From time to time we may contact you with information about our products and services, including sending you marketing messages and asking for your feedback on your products and services.
Most marketing messages we send will be by email. For some marketing messages, we may use personal information we collect about you to help us determine the most relevant marketing information to share with you.
We will only send you marketing messages if you have given us your consent to do so, unless consent is not required under applicable law (e.g. in certain circumstances where we have a pre-existing customer relationship your consent is not required). You can withdraw your consent or opt out of receiving further communications at a later date by clicking on the unsubscribe link at the bottom of our marketing emails.
We may also ask third parties to send you messages asking for your feedback on our behalf. If you give us permission to do so, we may share your contact details with such parties for this purpose.
Security. We implement appropriate technical and organisational measures to protect your personal information against accidental or unlawful destruction, loss, change or damage. All personal information we collect will be stored on our secure servers. We will never send you unsolicited emails or contact you by phone requesting your account ID, password, credit or debit card information or national identification numbers.
In accordance with applicable privacy law, you have the following rights in respect of your personal information that we hold:
You also have a right to object to any processing based on our legitimate interests where there are grounds relating to your particular situation. There may be compelling reasons for continuing to process your personal information, and we will assess and inform you if that is the case. You can object to marketing activities for any reason.
Please note that the above rights are not absolute and we may be entitled to refuse requests, wholly or partly, where exceptions under the applicable law apply.
You also have the right to lodge a complaint to your national data protection authority. Further information about how to contact your local data protection authority is available at http://ec.europa.eu/justice/data-protection/bodies/authorities/index_en.htm.
Cookies are pieces of code that allow for personalisation of our website experience by saving your information such as user ID and other preferences. A cookie is a small data file that we transfer to your computer's hard disk for record-keeping purposes.
We use the following types of cookies:
If you would like to find out more about cookies and other similar technologies, please visit www.allaboutcookies.org or the Network Advertising Initiative's online sources at www.networkadvertising.org.
We participate in interest-based advertising and use third party advertising companies to serve you targeted advertisements based on your online browsing history and your interests. To do this, we or our advertising partners may collect information about how you use or connect to our Site, or the types of other websites, social media services, content and ads that you (or others using your device) visit or view or connect to our Site so that we or our advertising partners may play or display ads on our Site, on other websites, apps or services you may use, and on other devices you may use.
Typically, but not always, this information is collected through cookies and similar tracking technologies. We and our third party partners use this information to make the advertisements you see online more relevant to your interests, as well as to provide advertising-related services such as reporting, attribution, analytics and market research.
To learn about interest-based advertising and how you may be able to opt-out of some of this advertising and to limit some third party advertising cookies, you may wish to visit:
Please note that opting-out of receiving interest-based advertising through the NAI’s and DAA’s or Your Online Choices online resources will only opt-out a user from receiving interest-based ads on that specific browser or device, but the user may still receive interest-based ads on his or her other devices. You must perform the opt-out on each browser or device you use.
Some of these opt-outs may not be effective unless your browser is set to accept cookies. If you delete cookies, change your browser settings, switch browsers or computers, or use another operating system, you will need to opt-out again.
Our Site may, from time to time, contain links to and from third party websites, including those of other users, our partner networks, advertisers, partner merchants, news publications and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for their policies. Please check the individual policies before you submit any information to those websites.
Our Site is not directed at persons under 16 and we do not knowingly collect personal information from children under 16. If you become aware that your child has provided us with personal information, without your consent, then please contact us using the details below so that we can take steps to remove such information and terminate any account your child has created with us.
|Category of personal information||How we use it||Legal basis for processing|
|Contact details (name, business, email, phone number)||
||Such processing is necessary for performance of a contract and to take steps prior to entering into a contract.|
||Either consent (if required under applicable law) or our legitimate interests, namely marketing and advertising to our contacts and customers.|
||Such processing is necessary for our legitimate interests, namely to ensure you are aware of any changes to our policies, terms and other such technical updates.|
|Technical information (IP address, browser type, internet service provider, device identifier, your login information, time zone setting, browser plug-in types and versions, preferred language, activities, operating system and platform, and geographical location)||
|Usage data (clickstream to, through and from the Site, pages you viewed and searched for, page response times, length of visits to certain pages, referral source/exit pages, page interaction information (such as scrolling, clicks and mouse-overs), date and time pages are accessed, and website navigation and search terms used)||
|Cookie name||Type (session or persistent)||Source (first or third party)||Purpose|
|_billfront_webapp_session||session||First party||For login authentication.|
|remember_customer_token||Persistent||First party||Remembers the user to login for the next visit|
||Persistent||Third party||We use Google Analytics to analyse and improve the Site based on user behaviour. The information is all anonymous and includes the number of visitors to the Sites, where visitors have come to the Sites from and the pages they have visited.|
|Google AdWords cookie||Persistent||Third party||We use GoogleAds conversion tracking to record and analyse customer actions (such as clicking on an ad, page views, downloads).|
|Facebook pixels||Persistent||Third party||A Facebook Pixel is a piece of code we place on the Site. We use this to analyse the activity of Facebook visitors on the Site. We may also use this data to display relevant ads to you on Facebook and to monitor the effectiveness of Facebook ads. You can manage your preferences in your Facebook account and/or your Internet browser.|