2. How We Use Your Information

• To process and confirm your bill payment bookings
• To issue official receipts and keep accurate records
• To contact you for scheduling, confirmations, or updates
• To improve our service through feedback and analytics
• To comply with legal obligations or audit requirements

3. Data Sharing and Disclosure

We do not sell or share your personal data for marketing. Limited information may be shared with:

• Authorized service providers (e.g., payment processors)
• Government authorities if legally required
• Internal staff on a need-to-know basis under confidentiality

4. Data Protection Measures

• Data encryption
• Secure payment handling
• Collector ID verification
• Access control within our system

5. Your Rights as a Data Subject

Under the Data Privacy Act, you have the right to:

• Access, correct, or update your personal data
• Object to the processing of your data
• Request deletion or restriction of your data
• File complaints with the National Privacy Commission (NPC)

6. Retention of Data

Your data will be kept only as long as needed for its purpose or as required by law. Once unnecessary, it will be deleted or anonymized securely.

7. Changes to this Privacy Policy

We may update this policy periodically. Significant changes will be announced via SMS, email, or our platform.

8. Contact Us

• 📞 0915 330 7433
• 📧 armchelpen@gmail.com
• 🌐 [Insert Website or App Link]

1. Service Scope

HomePay Bills acts only as a collection facilitator. We do not directly post payments to utility providers. Payments are submitted to accredited partners within a reasonable timeframe.

2. Payment Verification

All collections come with official receipts, but delays may occur depending on third-party processing, holidays, or weekends.

3. Timeliness of Payment

Clients must schedule collections before bill due dates. HomePay Bills is not liable for penalties or disconnections from late arrangements or incomplete information.

4. Accuracy of Information

Clients are responsible for providing accurate billing and account details. Errors may result in misapplied payments, for which we are not liable.

5. Third-Party Providers

Our services may rely on external processors or utilities. We are not responsible for technical issues or downtime from these third parties.

6. Security

While we take all reasonable precautions to secure your data and payments, we are not liable for events beyond our control, such as natural disasters or system failures.

7. Changes to Service

HomePay Bills reserves the right to modify, suspend, or discontinue services or this disclaimer at any time without prior notice.