Zill Privacy Policy

Last updated: April 28, 2026

Zill ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use the Zill mobile application.

1. Information We Collect

We collect the following types of information:

• Personal identification: Full name, username, phone number, email address
• Identity verification (KYC): Government-issued ID documents, document photos, selfie photos, date of birth
• Financial data: Transaction history, account balance, payment records
• Device information: Device type, operating system, unique device identifiers
• Usage data: App features used, timestamps, IP address

2. How We Use Your Information

• To create and manage your Zill account
• To process money transfers and payments
• To verify your identity (KYC) as required by financial regulations
• To send transaction notifications and receipts
• To detect and prevent fraud and unauthorized transactions
• To comply with applicable laws and regulations
• To improve our services and user experience
• To send important account and security updates

3. How We Share Your Information

We do not sell your personal information. We may share your information with:

• Banking partners: To facilitate transactions through licensed financial institutions
• Identity verification services: To verify KYC documents
• SMS service providers (Twilio): To send OTP verification codes
• Push notification services (OneSignal): To send transaction alerts
• Regulatory authorities: When required by law or legal process

4. Data Security

We implement industry-standard security measures to protect your information:

• All data transmitted over HTTPS encryption
• Passwords stored using bcrypt hashing
• PIN and biometric authentication for app access
• Servers hosted on secure AWS infrastructure
• KYC documents stored securely and accessed only by authorized reviewers

5. Data Retention

We retain your personal information for as long as your account is active or as needed to provide services. Transaction records are retained for a minimum of 5 years as required by financial regulations. You may request deletion of your account by contacting us.

6. Your Rights

You have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your account and personal data
• Opt out of non-essential communications

7. Children's Privacy

Zill is intended for users 18 years of age and older. We do not knowingly collect personal information from children under 18. If we learn that we have collected information from a child under 18, we will delete it immediately.

8. Third-Party Services

Zill uses the following third-party services which have their own privacy policies:

• Twilio (SMS) — twilio.com/legal/privacy
• OneSignal (Push notifications) — onesignal.com/privacy_policy
• Amazon Web Services (Hosting) — aws.amazon.com/privacy

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any significant changes via the app or email. Continued use of Zill after changes constitutes acceptance of the updated policy.

10. Contact Us

If you have any questions about this Privacy Policy or how we handle your data, please contact us:

• Email: bikeshjaiswal09@gmail.com
• App: Zill — available on Google Play Store
• Package: com.zill.app