Privacy Policy

Effective Date: October 17, 2026

1. Introduction

Welcome to Billmo, a multi-branch billing, sales tracking, and business management application designed for retail businesses, distributors, and growing enterprises.

This Privacy Policy explains how Billmo ("we," "our," or "us") handles information when you access or use our application and related services (collectively, the "Services").

We are committed to respecting user privacy and handling information responsibly. This Policy describes the information that may be collected or processed to support account management, sales entry, reporting, and role-based access.

By using Billmo, you acknowledge that you have read this Privacy Policy. Where consent is legally required, we will obtain it as required by applicable law.

2. Information We Collect

Billmo is designed to use information necessary for its core business functions. The information processed may depend on the features you use and the configuration of your account.

2.1 Account and User Information

To provide account access and manage organizational permissions, Billmo may process the following information, where applicable:

• Name or username.

• Email address or phone number, if provided.

• Account authentication information.

• User role, such as Admin, Company User, or Branch User.

• Company name and branch name.

• Account permissions and access settings.

This information helps us manage accounts, provide access to authorized users, and support the operation of the application.

2.2 Sales and Transaction Information

Billmo provides sales entry and sales tracking functionality. Information entered or processed during these operations may include:

• Transaction IDs.

• Product names or identifiers selected during sales entry.

• Quantities sold.

• Unit prices and calculated sales totals, where applicable.

• Company or branch identifiers associated with a transaction.

Billmo does not store billing records, applicable tax details, discount records, or customer information entered into invoices or sales records.

Sales-related information is handled only to the extent required by the application's actual functionality and data-storage configuration.

2.3 Information We Do Not Collect or Store

Billmo does not collect or store the following categories of information as described in this Policy:

Product and billing details

• Product descriptions and product prices as stored product-catalog records.

• Billing records.

• Applicable tax records and discount records.

• Customer information entered into invoices or sales records.

Inventory and stock records

• Product stock levels and inventory balances.

• Stock receipts, assignments, transfers, and dispatch records.

• User information associated with inventory operations.

Device, technical, and activity information

• Device type, operating system, and browser information.

• IP addresses and general connection information.

• Login timestamps and application activity logs.

• Error reports, performance information, and diagnostic data.

• Security events and records of administrative actions.

Billmo does not use these categories as stored data records for its services. This statement describes Billmo's intended data handling and should be read consistently with the application's actual implementation and any third-party infrastructure it uses.

3. How We Use Information

Information that Billmo collects or processes may be used for the following purposes:

• Creating and managing user accounts.

• Managing companies, branches, and authorized user roles.

• Authenticating users and enforcing access permissions.

• Facilitating sales entry and transaction identification.

• Calculating sales amounts where supported.

• Generating sales reports and dashboards using available sales information.

• Supporting the English and Bengali (বাংলা) user interface.

• Responding to user questions and support requests.

• Maintaining the application's core functionality.

• Complying with applicable legal obligations.

We do not claim to collect or retain information that Billmo does not actually collect or store.

4. Role-Based Access Control

Billmo supports role-based access to help businesses manage their users and organizational information.

4.1 Admin

Authorized Admin users may manage companies, branches, user accounts, product catalogs, and application settings according to the features available in Billmo.

4.2 Company User

Company Users may access company-level functions, available sales information, and reporting features according to their assigned permissions.

4.3 Branch User

Branch Users may access sales entry and branch-related functionality according to the permissions granted to their accounts.

The information visible to each user depends on the application's access controls and the configuration established by the relevant business administrator.

Business administrators are responsible for assigning appropriate permissions and removing access when a user no longer requires it.

Users should keep their authentication credentials confidential and must not share their accounts with unauthorized individuals.

5. How We Share Information

Billmo does not sell personal information to third parties.

Information may be disclosed in the following circumstances:

5.1 Within Your Organization

Information may be accessible to authorized administrators, company users, and branch users according to their assigned permissions and the features available to them.

5.2 Service Providers

If Billmo uses third-party providers to host, operate, maintain, or support the application, those providers may process relevant information as necessary to provide their services.

Such providers may include hosting, database, authentication, or application infrastructure providers, depending on the actual technical configuration of Billmo.

5.3 Legal Requirements

We may disclose information when required by applicable law, regulation, court order, or a valid request from an authorized public authority.

5.4 Security and Protection

We may disclose relevant information where reasonably necessary to investigate suspected misuse, protect our legal rights, enforce applicable terms, or safeguard Billmo and its users, subject to applicable law.

5.5 Business Transfers

If Billmo is involved in a merger, acquisition, restructuring, or transfer of business assets, relevant information may be transferred as part of that transaction, subject to applicable legal requirements and appropriate safeguards.

6. Data Storage and Security

We take reasonable measures to protect information handled by Billmo against unauthorized access, alteration, disclosure, loss, or misuse.

The specific security measures depend on the application's technical architecture and may include appropriate access restrictions, authentication controls, secure hosting, and safeguards provided by infrastructure providers.

We do not guarantee that any application, storage system, or electronic transmission method is completely secure.

Users are responsible for protecting their login credentials and using the application in a secure manner. If you believe your account has been accessed without authorization, please contact the Billmo support team.

7. Data Retention and Deletion

Billmo retains information that it actually stores only for as long as reasonably necessary to provide its services, maintain account functionality, resolve disputes, and comply with applicable legal obligations.

We do not claim to retain inventory records, customer invoice information, technical activity logs, or other categories that Billmo does not store.

Where account or other stored information is no longer required, we may delete it or take other appropriate steps, subject to applicable law, operational requirements, and technical limitations.

If you wish to request the correction or deletion of information associated with your account, please contact us using the details in Section 14. Requests involving business accounts may require authorization from the relevant business administrator.

8. User Rights and Choices

Depending on applicable law, users may have rights concerning their personal information, including the right to:

• Request access to personal information relating to them.

• Request correction of inaccurate information.

• Request deletion of personal information where legally permitted.

• Request information about how their information is handled.

• Object to certain processing activities or request restrictions where applicable.

• Withdraw consent where processing is based on consent.

• Submit a complaint to the relevant data protection authority.

To exercise an applicable right, contact the Billmo support team using the details provided below.

We may need to verify your identity or authority before responding. Requests relating to company-owned information may also require approval from an authorized company administrator.

These rights are subject to applicable law, including any legal requirements to retain certain information.

9. Cookies and Similar Technologies

Billmo does not claim to use cookies, advertising trackers, or analytics technologies to collect the device and activity information described in Section 2.3.

If the web version of Billmo uses essential cookies or session technologies to support login or application functionality, those technologies should be disclosed and used in accordance with applicable law.

Users may manage cookies through their browser settings where applicable. Disabling essential session technologies may prevent some application features from functioning correctly.

10. Third-Party Services and External Links

Billmo may rely on third-party infrastructure or services to operate its application.

If third-party services are used, their processing of information may be governed by their own privacy policies and terms. We encourage users to review the relevant policies where appropriate.

Billmo is not responsible for the independent privacy practices of third parties outside our control, except as required by applicable law.

11. Children's Privacy

Billmo is intended for business use and is not designed specifically for children.

We do not knowingly collect personal information directly from children where such collection is prohibited by applicable law. If we become aware that personal information has been collected unlawfully from a child, we will take appropriate steps to address the matter.

12. International Data Transfers

Depending on the hosting arrangements and third-party services used, information may be stored or processed in countries other than the country where a user or business is located.

Where applicable law requires safeguards for international transfers, we will take reasonable steps to meet those requirements.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes to Billmo's features, data-handling practices, business operations, or applicable legal requirements.

If material changes are made, we will take reasonable steps to notify users through the application, website, or other appropriate communication channels where required.

The effective date and last-updated date at the beginning of this Policy indicate when the current version applies.

Where required by applicable law, we will obtain consent or provide additional notice before implementing changes that require it.

14. Contact Information

If you have questions, concerns, or requests regarding this Privacy Policy or the handling of your information, please contact Billmo.

• Application Name: Billmo

• Privacy or Support Email: ambalait.mobileapps@gmail.com

Please do not send passwords or other sensitive authentication credentials when contacting us.

15. Applicable Law

This Privacy Policy is intended to operate in accordance with applicable privacy and data protection laws.

Where Billmo operates in Bangladesh, relevant Bangladesh laws and regulations may apply. Other legal requirements may also apply depending on the location of users, customers, and business operations.

Nothing in this Policy is intended to exclude or limit any rights that cannot legally be excluded or limited.

16. Your Acknowledgment

By accessing or using Billmo, you acknowledge that you have been provided with this Privacy Policy and understand the information-handling practices described in it.

Where applicable law requires consent for particular processing activities, this acknowledgment does not replace that consent.

© 2026 Billmo. All rights reserved.