Effective Date: January 2026

BillVault (“BillVault”, “we”, “our”, “us”) is a cross-border payment and financial services platform providing virtual USD cards, international payments, bill payments, and digital asset services. Your privacy matters to us. This Privacy Policy explains how we collect, use, share, and protect your information.

1. Information We Collect

We may collect the following categories of information:

a. Personal Information

  • Full name

  • Phone number

  • Email address

  • Date of birth

  • Government-issued identification and verification details (KYC)

  • Address and nationality

b. Financial and Transaction Data

  • Payment and transaction history

  • Virtual card usage

  • Wallet balances and activity

  • Fiat and digital asset deposits and withdrawals

c. Device and Technical Information

  • IP address

  • Device identifiers

  • Browser type and operating system

  • App usage data and logs

d. Location Information

We may collect approximate location data for fraud prevention, compliance, and security purposes.

2. How We Use Your Information

We use your information to:

  • Verify identity and comply with KYC, AML, and counter-terrorism financing laws

  • Provide virtual cards, payment processing, and digital asset services

  • Facilitate international transactions and settlements

  • Prevent fraud, unauthorized access, and suspicious activity

  • Improve platform performance and user experience

  • Communicate important service updates, security alerts, and notices

  • Meet legal, regulatory, and reporting obligations

3. Legal Basis for Processing

We process your data based on one or more of the following grounds:

  • Performance of a contract

  • Legal and regulatory compliance

  • Legitimate business interests

  • Your consent, where required by law

4. Data Sharing and Disclosure

We do not sell your personal data.

We may share information with:

  • Regulatory authorities and law enforcement when legally required

  • Payment processors, card networks, and banking partners to deliver services

  • Blockchain analytics and compliance providers for risk monitoring

  • Fraud prevention and identity verification partners

  • Technology and infrastructure providers operating under strict confidentiality

All third parties are required to protect your data and use it only for authorized purposes.

5. International Data Transfers

BillVault operates globally. Your information may be processed or stored outside your country of residence. We apply appropriate safeguards, contractual protections, and security controls to ensure your data remains protected in accordance with applicable laws.

6. Data Security

We employ industry-standard safeguards, including:

  • Encryption of sensitive data

  • Secure access controls and authentication

  • Continuous system monitoring

  • Periodic security assessments

Despite our efforts, no system is completely secure. Users share information at their own risk.

7. Your Rights

Depending on your jurisdiction, you may have the right to:

  • Access your personal data

  • Request correction or deletion

  • Restrict or object to processing

  • Withdraw consent where applicable

Requests can be made via support@billvault.app.

8. Cookies and Tracking

We use cookies and similar technologies to improve functionality and analyze usage. You may manage cookie preferences through your device or browser settings.

9. Updates to This Policy

We may update this Privacy Policy from time to time. Material changes will be communicated through the app or via email.

10. Contact

Email: support@billvault.app