Secure Payments. Simplified

Information about our use of cookies

Our website uses cookies to distinguish you from other users of our website. This helps usto provide you with a good experience when you browse our website and also allows us to improve our site.

By continuing to browse the site, you are agreeing to our use of cookies.

A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer or mobile phone if you agree. Cookies contain information that is transferred to your computer's hard drive. We use session cookies which are cookies which expire once you close your web browser.

You can think of cookies like stickers. Every time you visit a site, that site puts a sticker on you so they can keep track of how many times you’ve visited, how long you’ve spent there, and what you’ve done. That lets the site show you things which are relevant to you, based on information you’ve entered and stuff you’ve looked at. The length of time stored depends on the cookie, but this is generally between a few minutes and up to two years.Cookies never store any of your banking details.

We use a couple of different kinds of cookies:

• ‘Session cookies’
• ‘Persistent cookies’
• ‘Third-party cookies’

Session and Persistent cookies track what you’re doing on a specific visit to our site

We use session cookies to improve our site and give you a better experience. Session cookies let us see where you spend your time, and work out which bits are most (and least) effective. Persistent cookies let us remember you on future visits, improving your experience of services or functions offered.

Third-party cookies show you ads for things we think you’ll be interested in

For example, if you visit our Site and look at info about overdrafts, we could use cookies to show you ads about overdrafts because we think it’s something you’re interested in. Third-party cookies work by sharing your browser identification with the third party (like Twitter or Facebook), so they can show you ads on their sites.

We use the following cookies:

• Strictly necessary cookies. These are cookies that are required for the operation of our website. They include, for example, cookies that enable you to log into secure areas of our website and enter into transactions.
• Analytical/performance cookies. They allow us to recognize and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily. We use Google Analytics cookies. Google Analytics collects information anonymously. It reports website trends without identifying individual visitors. You can opt out of Google Analytics without affecting how you visit this site. For more information on Google Analytics, please click here
• Targeting cookies. These cookies record your visit to our website, the pages you have visited and the links you have followed. We will use this information to make our website and the advertising displayed on it more relevant to your interests. We may also share this information with third parties for this purpose.

Please note that third parties (including, for example, advertising networks and providers of external services like web traffic analysis services) may also use cookies, over which we have no control. These cookies are likely to be analytical/performance cookies or targeting cookies.

You block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our site.

Privacy policy

1.

We are (“we”, “our”, “us”) and operate under the brand name of Billy Tools Limited. We’re committed to protecting and respecting your privacy. If you have any questions about your personal information please chat with us through the Company website, or by emailing us at [email protected] , or by writing to us at our Registered Office.

2.

Cookies

We use cookies to distinguish you from other users of the App and the Site. This helps us to provide you with a good experience when you use the App or browse our Site and also allows us to improve the App and our Site. For detailed information refer to our Cookie Policy

3.

Information we hold about you

3.1. Information submitted through our app or website; For example, when you sign up to the us and provide details such as your name, ID, selfie and address, or details we collect about how you use the app and website. There may be times when you give us ‘sensitive’ information, which includes things like your racial origin, political opinions, religious beliefs, trade union membership details or biometric data. We’ll only use this information in strict accordance with the law.

3.2. Details about your transactions with us; Including any cards and accounts you use.

3.3. Information about how you use your phone; for example, mobile network you use, your IP address or operating system and the setting on your phone

3.4. Information you give us permission to access on your phone; Things you giveus explicit permission to see, like your address book, photos, geolocation and data from your camera.

3.5. Information from social networks or online accounts; Information from any accounts that you share with us.

4.

How we use your information

To provide our services. We use it to:

• Help us manage your account.
• Track, analyse and improve the services we give you and other customers

To meet our legal obligations. We use it to:

• Search your record at immigration and fraud prevention agencies.
• Prevent illegal activities like money laundering, tax evasion and fraud.
• Make responsible lending decisions, like offering you an overdraft. We make our decisions automatically using technology. We’ll tell you in the app once we’ve made this decision. You can opt out or ask for a manual review by email and via the app.

To exercise what’s known as our legitimate interests. This is when we use data for a reason which is in your and/or our interest, and which doesn't involve overriding your privacy rights.
We use it to:

• Market products and services generally in app.
• Search your record at credit reference agencies when you sign up (this is a 'soft search' and shouldn't impact your credit score).

With your permission. We use it to:

• Check your credit history if you apply for a credit product like an overdraft (this is a 'hard search', it might impact your credit score and chances of getting credit elsewhere).
• Market and communicate our products and services and those of affiliated partners where we think these will be of interest to you by email. You can always unsubscribe from receiving these if you want to, by email and via the app.

5.

Who we share it with

We may share your personal information with:

• Anyone who works for us when they need it to do their job.
• Any organisation which supports any of our services you use, when they need it to offer those services that include; Card producers and networks, credit reference agencies, Analytical Know your Customer (KYC) and Cyber security services providers, Customer “interface” providers, anyone who you give us explicit permission to share it with., Certain authorities that detect and prevent terrorism including authorities outside the UK if one of your payments is processed through worldwide payment system.
• We will also share it to comply with the Law; to enforce our Terms and Conditions or other agreements; or to protect the rights, property or safety of us, our customers or others.

6.

How long we keep it

We keep your data as long as you are using our services, and for 6 years after that to comply with the law. In some circumstances, like cases of anti-money laundering or fraud, we may keep data longer if we need to and/or the law says we have to.

7.

Your rights

You have right to:

• Access the personal data we hold about you, or to get a copy of it.
• Make us correct inaccurate data.
• Ask us to delete, “block” or suppress your data, though for legal reasons we might not always be able to do it.
• Object to us using your data for direct marketing and in certain circumstances “legitimate interests”, research and statistical reasons.
• Withdraw any consent you’ve previously given us.

8.

Where we store your data

We might transfer and store the data we collect from you somewhere outside the European Economic Area (“EEA”). People who work for us or our suppliers outside the EEA might also process your data. We may share data with organisations and countries that: The European Commission say have adequate data protection; we have agreed standard data protection clauses with.

We will post any changes we make to our privacy notice on this page and, if they are significant changes we will let you know by email.

Terms of Use

These Terms and Conditions of Use (the "Terms of Use") apply to the BILLY TOOLS LIMITED, a company incorporated and registered in the Republic of Mauritius, which registered office is at the Cyberati Lounge, Ground Floor, The Catalyst, Silicon Avenue, 40 Cybercity, 72201 Ebène, Republic of Mauritius (hereinafter referred to as “the Company/we/us/our”), web site located at http://billy.tools (the "Site").BY USING THE SITE, YOU FULLY AGREE TO THESE TERMS OF USE. IF YOU DO NOT AGREE, DO NOT USE THE SITE.
The Company reserves the right, at its sole discretion, to change, modify, add or remove portions of these Terms of Use, at any time. It is your responsibility to check these Terms of Use periodically for changes. Your continued use of the Site following the posting of changes will mean that you accept and agree to the changes.

1.

Content

All text, graphics, user interfaces, visual interfaces, photographs, trademarks, logos, artwork and computer code (collectively, 'Content'), including but not limited to the design, structure, selection, coordination, expression, 'look and feel' and arrangement of such Content, contained on the Site is owned, controlled or licensed by or to the Company, and is protected by copyright and trademark laws, and various other intellectual property rights and unfair competition laws. Except as expressly provided in these Terms of Use, no part of the Site and no Content may be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted or distributed in any way (including 'mirroring') to any other computer, server, Web site or other medium for publication or distribution or for any commercial enterprise, without the Company’s express prior written consent.

2.

Your Use of the Site

You may not use any 'deep-link', 'page-scrape', 'robot', 'spider' or other automatic device, program, algorithm or methodology, or any similar or equivalent manual process, to access, acquire, copy or monitor any portion of the Site or any Content, or in any way reproduce or circumvent the navigational structure or presentation of the Site or any Content, to obtain or attempt to obtain any materials, documents or information through any means not purposely made available through the Site. The Company reserves the right to bar any such activity.

You may not attempt to gain unauthorized access to any portion or feature of the Site, or any other systems or networks connected to the Site by any illegitimate means.

You may not probe, scan or test the vulnerability of the Site or any network connected to the Site, nor breach the security or authentication measures on the Site or any network connected to the Site. You may not reverse look-up, trace or seek to trace any information on any other user of or visitor to the Site, or exploit the Site or any service or information made available or offered by or through the Site, in any way where the purpose is to reveal any information, including but not limited to personal identification or information, other than your own information, as provided for by the Site.

You agree not to use any device, software or routine to interfere or attempt to interfere with the proper working of the Site or any transaction being conducted on the Site, or with any other person’s use of the Site.

You may not forge headers or otherwise manipulate identifiers in order to disguise the origin of any message or transmittal you send to the Company on or through the Site. You may not pretend that you are, or that you represent, someone else, or impersonate any other individual or entity.

You may not use the Site or any Content for any purpose that is unlawful or prohibited by these Terms of Use, or to solicit the performance of any illegal activity or other activity which infringes the rights of the Company or others. By using this Site, you are agreeing to be bound by the following terms and conditions.

3.

Disclaimers

The information on this Site is intended to furnish users with general information on matters that they may find to be of interest. While every effort has been made to offer current and accurate information, errors can occur. THE COMPANY DISCLAIMS ALL LIABILITY AND RESPONSIBILITY FOR ANY ERRORS OR OMISSIONS IN THE CONTENT CONTAINED ON THIS SITE.
ALL CONTENT ON THE SITE AND ALL SERVICES PROVIDED THROUGH IT ARE PROVIDED 'AS IS', WITH NO GUARANTEES OF COMPLETENESS, ACCURACY OR TIMELINESS, AND WITHOUT REPRESENTATIONS, WARRANTIES OR OTHER CONTRACTUAL TERMS OF ANY KIND, EXPRESS OR IMPLIED. THE COMPANY DOES NOT REPRESENT OR WARRANT THAT THIS SITE, THE VARIOUS SERVICES PROVIDED THROUGH THIS SITE, AND / OR ANY INFORMATION, SOFTWARE OR OTHER MATERIAL DOWNLOADED FROM THIS SITE, WILL BE ACCURATE, CURRENT, UNINTERRUPTED, ERROR-FREE, OMISSION-FREE OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. NEITHER THE COMPANY NOR ANY OF OUR INFORMATION PROVIDERS WILL BE LIABLE FOR ANY DAMAGES RELATING TO YOUR USE OF THE INFORMATION PROVIDED HEREIN. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, THE COMPANY DISCLAIMS ALL LIABILITY TO YOU AND EVERYONE ELSE IN RESPECT OF THE CONTENT ON THIS SITE AND ALL SERVICES PROVIDED THROUGH IT, WHETHER UNDER ANY THEORY OF TORT, CONTRACT, WARRANTY, STRICT LIABILITY OR NEGLIGENCE OR OTHERWISE, AND WHETHER IN RESPECT OF DIRECT, INDIRECT, CONSEQUENTIAL, SPECIAL, PUNITIVE OR SIMILAR DAMAGES, EVEN IF THE COMPANY WAS ADVISED, KNEW OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES. YOU ASSUME TOTAL RESPONSIBILITY FOR YOUR USE OF THE SITE AND ANY LINKED SITES.

4.

Indemnity

You agree to indemnify and hold the Company, its officers, directors, shareholders, predecessors, successors in interest, employees, agents, subsidiaries and affiliates, harmless from any demands, loss, liability, claims or expenses (including attorneys’ fees), made against the Company by any third party due to or arising out of or in connection with your use of the Site.

5.

User Privacy

The Company’s policy is to respect the privacy of its users. The Company will not monitor, edit, or disclose any personal information about you or your use of the Site, including its contents, without your prior permission unless the Company has a good faith belief that such action is necessary to: (1) conform to legal requirements or comply with legal process; (2) protect and defend the rights or property of the Company; (3) enforce these Terms of Use; or (4) act to protect the interests of its members or others. For further details regarding your privacy, please see the Privacy Policy.
You agree that the Company may access your account, including its contents, as stated above or to respond to service or technical issues.

6.

User Conduct

As a condition of your use of the Site, you warrant to the Company that you will not use the Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. Any unauthorized commercial use of the Site, or the resale of its services, is expressly prohibited. You agree to abide by all applicable local, state, national and international laws and regulations and are solely responsible for all acts or omissions that occur under your account or password, including the content of your transmissions through the Site. By way of example, and not as a limitation, you agree not to:

• Use the Site in connection with surveys, contests, pyramid schemes, chain letters, junk e-mail, spamming or any duplicative or unsolicited messages (commercial or otherwise).
• Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
• Publish, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful material or information.
• Advertise or offer to sell or buy any goods or services for any non-personal purpose. Harvest or otherwise collect information about others, including e-mail addresses, without their consent.
• Create a false identity.
• Transmit or upload any material that contains viruses, trojan horses, worms, time bombs, cancelbots, or any other harmful or deleterious programs.
• Transmit or upload any material that contains software or other material protected by intellectual property laws, rights of privacy or publicity or any other applicable law unless you own or control the rights thereto or have received all necessary consents.
• Interfere with or disrupt networks connected to the Site or violate the regulations, policies or procedures of such networks.
• Attempt to gain unauthorized access to the Site through password mining or any other means.
• Violate any applicable laws or regulations including, without limitation, laws regarding the transmission of technical data or software exported from Cyprus through the service.
• The Company has no obligation to monitor any user's use of the Site or retain the content of any user session. However, the Company reserves the right at all times to monitor, review, retain any information as necessary to satisfy any applicable law, regulation, legal process or governmental request.

7.

Fees

Unless otherwise stated, all fees are quoted in U.S. Dollars. You are responsible for paying all fees charged by or for the Company and applicable taxes in a timely manner with a payment mechanism associated with the applicable paid services/items of the Site. We reserve the right to change any fees at any time at our sole discretion. Any change, update, or modification will be effective immediately upon posting through the relevant services/items. Refunds may be available as described in our Delivery Policy.

8.

Termination

We may terminate your access to any part or all of the Site and any related service(s) at any time, with or without cause, with or without notice, effective immediately, for any reason deemed appropriate by the Company. The Company has no liability to you for any such action.
If you wish to terminate your account, your only recourse is to discontinue the use of the Site, although we'll be sorry to see you go. The Company shall have no obligation to maintain any content in your account or to forward any unread or unsent messages to you or any third party.

9.

Modifications to terms of the Site

The Company reserves the right to change these Terms of Use or Policies regarding the use of the Site at any time and to notify you by posting an updated version of the Terms of Use on this Site. The Company can also add or remove functions, features, or requirements, and the Company may suspend or stop part of our services altogether at any time and at its sole discretion. Accordingly You are responsible for regularly reviewing the Terms of Use and other Policies. Continued use of the Site after any such changes shall constitute your consent to such changes.

10.

General

These Terms of Use are governed by the laws of Mauritius. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and the Company as a result of these Terms of Use or use of the Site. The Company 's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of the Company 's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Site or information provided to or gathered by the Company with respect to such use. If any part of these Terms of Use is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Terms of Use shall continue in effect. Unless otherwise specified herein, the Terms of Use constitute the entire agreement between the user and the Company and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and the Company with respect to the Site. The section titles in the Terms of Use are solely used for the convenience of the parties and have no legal or contractual significance.