Terms of Service
Last updated: November 13, 2025
Data Privacy & Usage
At UtiBills, we take your privacy seriously. This section explains how we collect, use, and protect your personal information.
What Data We Collect
- Phone number (for WhatsApp communication)
- Name and contact information
- Utility account numbers and payment history
- Transaction records and billing information
- Usage patterns and preferences (to improve our service)
How We Use Your Data
- To provide and improve our bill payment services
- To send you bill reminders and payment confirmations
- To process transactions and maintain your account
- To provide customer support via WhatsApp
- To analyze usage patterns and enhance our AI features
- To comply with legal obligations and prevent fraud
We Do NOT Sell Your Data
We do not sell, rent, or trade your personal information to third parties. Your data is used solely to provide you with our services and improve your experience. We may share data only with:
- Payment processors (to complete transactions)
- Utility providers (to process bill payments)
- Legal authorities (when required by law)
Your Rights
You have the right to:
- Access your personal data at any time
- Request correction of inaccurate information
- Request deletion of your account and data
- Opt-out of marketing communications
- Export your data in a portable format
Data Security
We implement industry-standard security measures including encryption, secure servers, and regular security audits to protect your information from unauthorized access, disclosure, or destruction.
1. Acceptance of Terms
By accessing and using UtiBills services, you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to abide by the above, please do not use this service.
2. Description of Service
UtiBills is an AI-powered utility bill management platform designed specifically for Africa. Our service allows users to:
- Pay utility bills through WhatsApp integration
- Track and manage multiple utility accounts
- Receive automated bill reminders and notifications
- Access AI-powered bill management assistance
- View payment history and spending analytics
3. User Responsibilities
As a user of UtiBills, you agree to:
- Provide accurate and up-to-date information
- Use the service only for lawful purposes
- Maintain the security of your account credentials
- Notify us immediately of any unauthorized use of your account
- Comply with all applicable laws and regulations
- Ensure you have sufficient funds for payments
4. WhatsApp Communication
By providing your WhatsApp phone number, you consent to receive:
- Service updates and notifications
- Bill payment reminders
- Account-related communications
- Payment confirmations and receipts
- Marketing messages about new features and services (you can opt-out anytime)
You can opt out of marketing messages at any time by replying "STOP" to any WhatsApp message from UtiBills.
5. Payment Processing
UtiBills facilitates bill payments through third-party payment processors (including mobile money services). We do not store your payment card or mobile money PIN information. All payment transactions are processed securely through our certified payment partners.
You are responsible for ensuring you have sufficient funds for any payments you initiate through our service. Transaction fees may apply as determined by your payment provider.
6. Service Availability
While we strive to provide continuous service availability, we do not guarantee that our service will be available at all times. We may experience downtime for maintenance, updates, or due to circumstances beyond our control (including network outages, third-party service disruptions, etc.).
7. Limitation of Liability
UtiBills shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the service. Our total liability shall not exceed the amount you paid us in the 12 months preceding the claim.
8. Modifications to Terms
We reserve the right to modify these terms at any time. We will notify users of any material changes through our service, via email, or WhatsApp. Your continued use of the service after such modifications constitutes acceptance of the updated terms.
9. Governing Law
These terms shall be governed by and construed in accordance with the laws of Rwanda, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts of Rwanda.
10. Contact Information
If you have any questions about these Terms of Service or our data practices, please contact us:
Email: legal@utibills.com
WhatsApp: +250 788 123 456
Address: Kigali, Rwanda