1. Introduction
1.1 Home Bill Corporation Private Limited (hereafter referred to as ‘Home Bill’, ‘ We’ , ‘ Us’ , ‘ Our’ and ‘ Ours’ ) acknowledges that information technology should be at the service of every stakeholder. Information technology development shall take place in the context of international co-operation. Information technology shall not violate human identity, human rights, privacy, individual or public rights.
1.2 Home Bill is therefore committed to protecting your privacy, keeping your information safe and ensuring the security of your personal information. In our efforts to provide you with the most effective products and services, your personal information will be collected, processed lawfully, stored securely and not disclosed unlawfully to any third party.
1.3 Data Protection and Privacy is implemented compliant to requirements listed in List of statutory, regulatory, contractual, and other requirements, and within the framework defined by the following documents:
1.3.1 Data Protection Act
1.3.2 International Best Practice frameworks
2. Purpose of the data protection policy.
2.1 We believe that you should always know the data we collect from you and how we use it, as well as maintain adequate control over both. We want to empower you to make the best decisions about the information that is shared with us.
2.2 This Data Protection and Privacy Policy applies worldwide to Home Bill, is based on globally accepted, basic principles on data protection and privacy and ensures adequate level of data protection as prescribed by relevant legal frameworks, including in countries that do not yet have adequate data protection laws.
2.3 Therefore, the purpose Data Protection and Privacy Policy is to give you and our stakeholders guidance and information on how we collect, use, and protect personal information. The privacy notice will tell you:
2.3.1 Why we collect your personal information and how we may process it.
2.3.2 How and when we share your information with third parties.
2.3.3 How we protect your information.
2.3.4 How long we hold onto your information.
2.3.5 Information on your rights.
3. To whom does the policy apply?
3.1 Home Bill’ s Data Protection and Privacy Policy applies to ‘ You’ , meaning:
3.1.1 All Users and/or users who are natural persons or living individuals; and
3.1.2 All Users and/or users who are organizations.
3.1.3 who is or can be identified, directly or indirectly, by reference to an identification number or to one or more factors specific to physical, physiological, mental, economic, cultural, or social identity?
3.1.4 All Home Bill employees and job applicants or prospective employees.
3.1.5 All Home Bill suppliers, partners, and service providers.
4. Why do we collect and process your personal information?
4.1 Processing of personal data means any operation or set of operations in relation to such data, whatever the mechanism used, especially the obtaining, recording, organization, retention, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available, alignment or combination, blocking, deletion, or destruction.
4.2 Home Bill collects and processes your personal information for a variety of business purposes. These include, but are not limited to:
4.2.1 Verifying your identity information through publicly available and/or restricted government databases in order to comply with applicable regulatory requirements.
4.2.2 Completing transactions or the processing of products and services that you have accessed from Home Bill or from third parties on our ecommerce platforms.
4.2.3 Responding to your request for service or assistance.
4.2.4 Performing market analysis and research as well as business and operational analysis.
4.2.5 Providing, maintaining, and improving our products and services.
4.2.6 Anticipating and resolving issues and concerns related to our products and services.
4.2.7 Promoting and marketing our products and services which may benefit you and be related to products and services you are currently enjoying; and
4.2.8 Ensuring adherence to legal and regulatory requirements for prevention and detection of fraud and crime.
4.2.9 Complying with any legal, governmental, or regulatory requirement or for use by our lawyers in connection with any legal proceedings.
4.2.10 Administering any of our access channels including but not limited USSD, mobile applications, chatbots, and websites or web portals
4.3 Home Bill may keep a log of the activities performed by you on our systems, applications, and websites by using various internet techniques such as web cookies, web beacons, server log files, etc. for analytical purposes, for analysis of the agreeableness of various features in accordance with requisite legal requirements. This information may be used to provide you with a better experience on our platforms.
4.4 At any time while you are browsing our websites or accessing our applications, if you do not wish to share information, you may opt out of receiving the cookies from our site by making appropriate changes to your browser privacy or mobile application settings.
4.5 If you do not provide your consent for usage of personal information or you later withdraw your consent for use of the personal information so collected, Home Bill will not be able to provide certain products and services to you.
5. What personal information do we collect?
5.1 Home Bill and its authorized third parties may collect, store and process Personal Information while providing our products, services and while accessing our website and mobile applications.
5.2 Personal data and/or sensitive information collected and held by us may include:
5.2.1 Names of individuals
5.2.2 Email addresses.
5.2.3 Mobile Phone numbers
5.2.10 Financial information which may include your bank account or debit and credit card details; financial history or other banking information (including information to determine your creditworthiness).
5.3 Information contained in supporting documents such as proof of identity or proof of address.
5.3.1 We may also collect your information from other organizations including credit-reference bureaus, fraud prevention agencies and business directories.
6. Principles we adhere to when managing your personal data.
6.1 The Home Bill Data Protection and Privacy Policy comprises the internationally accepted data privacy principles without replacing the existing national laws. It supplements the national data privacy laws. We rely on the following principles in processing your data:
6.2 Fairness and Lawfulness
6.2.1 When processing personal data, the individual rights of the data subjects are protected. Personal data will be collected and processed in a legal and fair manner.
6.2.2 Collected data shall be adequate, relevant, and not excessive in relation to the purposes for which it is obtained and further processed.
6.2.3 Individual data should be processed upon voluntary consent of the person concerned.
6.3 Restriction to a specific purpose
6.3.1 Personal data will be processed only for the purpose that was defined before the data was collected. Personal data shall be obtained for specified, explicit and legitimate purposes, and shall not subsequently be processed in a manner that is incompatible with those purposes.
6.4 Transparency
6.4.1 User will be informed of how his/her data handled. When the data is collected, the User will be made aware of, or informed of the purpose of data processing and any third parties to whom the data might be transmitted.
6.4.2 Processing of personal data is done after receiving the consent of the User.
6.5 Confidentiality and Data Security
6.5.1 Personal data is subject to data secrecy. It will be treated as confidential on a personal level and secured with suitable organizational and technical measures to prevent unauthorized access, illegal processing, or distribution, as well as accidental loss, modification, or destruction.
6.6 Data Retention
6.6.1 Personal data shall be retained in a form that allows the identification of the data subjects for a period no longer than is necessary for the purposes for which it was obtained and processed. When we dispose of your personal information, we use reasonable procedures to erase it or render it unreadable/anonymized.
6.7 Data Integrity
6.7.1 Personal data on file must be correct, complete, and up to date. Suitable steps are taken to ensure that inaccurate or incomplete data is updated.
6.8 Consent to Data Processing
6.8.1 Individual data will be processed upon consent of the person concerned. Declarations of consent must be submitted voluntarily. Transmission of personal data to recipients outside or inside Home Bill is subject to the authorization requirements for processing personal data and requires User consent.
6.9 Processing Security
6.9.1 Personal data will be safeguarded from unauthorized access and unlawful processing or disclosure, as well as accidental loss, modification, or destruction.
8. What are your rights?
7.1 Right to be informed that we are collecting personal data about you.
7.2 Right to access your personal information
7.2.1 You have the right to make a request for a copy of the personal information that Home Bill
holds about you (including advertising audience categories and inferred information) as permitted by law.
7.3 Right to correct personal information
7.3.1 You have the right to correct information held about you to ensure it is accurate, relevant, complete, and not excessive.
7.4 Right to object to use of personal information
7.4.1 You have the right to request that we erase your personal data in certain circumstances as permitted by law. However, in instances where the basis for retaining the data is Legal Obligation, you may not be able to exercise your right to request deletion.
7.4.2 You have the right to withdraw consent, object to Home Bill processing your personal information, in certain circumstances as permitted by law. However, in instances where the basis for processing is a Legal Obligation, you may not be able to exercise your right to object.
7.5 Right to opt-out of marketing messages
7.5.1 Home Bill will not issue targeted marketing to you unless you consent for us to do so. If you no longer want to receive marketing messages from Home Bill, you can choose to opt-out at any time using the means made available to you. If you have previously opted in to receive personalized content based on how and where you use our services, you can also opt out at any time. However, please note that if you opt-out of marketing communications, it might impact the services we provide to you, and in some instances, it could result in the cancellation of certain features or access to our services.
8. Disclosure of information
8.1 Any disclosure of your information shall be in accordance with applicable law and regulations. Home Bill shall assess and review each application for information and may decline to grant such information to the requesting party.
8.2 We may share information about you with:
8.2.1 Banks and financial institutions.
8.2.2 Law enforcement agencies, regulatory organizations, courts, or other public authorities if we have to, or are authorized to by law.
8.2.3 Law firms, auditors, and insurers.
8.2.4 Third parties as may be required either contractually, by law, or legitimate interest for the processing of products and services from third parties on our platforms.
8.2.5 Where applicable, Anti-money laundering agencies, credit bureaus, debt collection agencies or other debt recovery organizations, fraud prevention or business scoring agencies, or other credit scoring agencies.
8.3 When sharing your information with recipients in other jurisdictions, we will ensure that they adhere to similar privacy protection requirements as we do – either by law or by legal agreement. We will not sell your information to third parties and will only market to you in line with our legal obligations and your marketing preference, using the communication method you chose.
8.4 In the event of a merger/acquisition or company reorganization, your personal information may be part of the transferred assets and is likely to be disclosed to the new company.
8.5 Additionally, access to User Information is restricted to employees who we reasonably believe require such information to provide products or services to You.
8.6 To safeguard your personal information, we implement physical, electronic, and procedural security measures. Your account information is further protected by a password that You select. However, while we take all reasonable precautions, we cannot guarantee the complete elimination of security risks associated with Personal Information.
9. How to contact us
If you would like to contact us on any topics in this Privacy Policy, or you would want to exercise any of the rights mentioned above, you can contact our Data Protection Office and our privacy team will get back to you.
Home Bill Corporation Private Limited
82 Rezende Street, 605 Equity House
Harare, Zimbabwe
Phone: +263773870255
Email: dpo@homebill.co.zw
We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to expedite our response.
We try to respond to all legitimate requests within a reasonable time. Occasionally, it could take us longer if your request is particularly complex or you have made several requests. In this case, we will notify you and keep you updated.
10. Changes to this policy
10.1 We reserve the right to modify this Data Privacy Policy as and when required.
10.2 If there is a change to the privacy policy, a notification will be prominently posted on the Home Bill site, web app, mobile app, or other digital platforms to ensure you are always aware of what information is being collected, how it is used, and under what circumstances, if any, it is disclosed.
10.3 If, at any point, we decide to use personally identifiable information in a manner different from what was stated at the time of collection, you will be notified via email. Users will have the option to allow or decline the use of their information in this new manner. We will then continue to use the information in accordance with the privacy policy under which it was originally collected.
10.4 We encourage you to check frequently to see the current Data Protection and Privacy Policy to be informed of how Home Bill is committed to protecting your information and providing you with improved products and services to enhance your experience.
10.5 Any amendment or modification to this policy will take effect from the date of notification on the Home Bill site, web app, mobile app, or other digital platforms.
11. Statement Effective Date
1st March 2025