Privacy Policy
Data protection provisions and consent under data protection law
This privacy policy contains information relevant to users of products of Billie GmbH (hereinafter referred to as Billie or we).
Billie offers companies the opportunity to pre-finance trade receivables to other companies (hereinafter factoring service). In particular, companies have the option to use the payment methods offered by Billie when ordering goods and services on websites operated by Billie's partners (hereinafter Buy Now, Pay Later, or BNPL services).
For the use of our factoring services, when using our BNPL services, and for visiting websites operated by us, it is necessary for Billie to collect, process and store data from you and/or the company as well as personal data.
The transparent and protected handling of your data is a top priority for us. This privacy policy, therefore, explains in detail which personal data we collect, process, and store.
For easier orientation, the individual passages are preceded by explanations for which users they are relevant to in each case.
If you visit our website www.billie.io or a page linked to it (hereinafter referred to as website), the passages marked "VISITOR" are relevant for you.
If you are a registered customer of Billie’s and use the factoring services offered by us, in particular the online platform, accessible at https://app.billie.io (hereinafter App), the passages marked "CUSTOMER" are relevant for you.
If you are the operator of an online webshop and if one or more payment methods offered by Billie are integrated into your webshop, in particular, if you use the Merchant Dashboard provided by us, accessible at https://dashboard.billie.io (hereinafter Dashboard), the passages marked "MERCHANT" are relevant for you.
If you use Billies BNPL services as a buyer in an online webshop operated by a merchant and, in particular, use the buyer portal set up by us for buyers, accessible at https://portal.billie.io (hereinafter Portal), the passages marked "BUYER" are relevant for you.
If a passage is marked with "ALL USERS", it is relevant for the user groups VISITOR, CUSTOMER, MERCHANT, and BUYER.
Insofar as information in this privacy policy, in particular with regard to cookies and scripts used, is equally relevant for the website, app, dashboard, and portal, it is generally referred to as Billie’s WEBSITES
This privacy policy is structured as follows:
Section 1 sets out our data protection principles and general information.
Section 2 explains details about the collection, processing, and storage of your data.
Section 3 covers the collection and storage of data relating to web analytics and cookies when you visit our websites, our dashboard, and our portal.
Section 4 covers the processing of data for the purpose of sending advertising.
Section 5 contains the modalities for changing this privacy policy.
Section 6 contains your rights of revocation, information, and deletion of your personal data as well as a corresponding contact address.
Overview of our Privacy Policy
1. Data protection principles and general information
1.1 Data protection principles - ALL USERS
In the course of using our factoring services and related services or using the BNPL services, you or the merchant provide us with data about you and your company. This is necessary so that we can offer you the best possible conditions and exclude cases of fraud or so that we can decide whether the desired payment method can be offered to you. If you visit our website, we collect data about this visit and, if applicable, about your interaction on our website. We understand that the information we collect from you and your business is strictly confidential. For this reason, the protection and security of your data are of the highest priority to us. To ensure a high level of protection and security, our employees follow the following data protection principles at all times: We do not sell personal data to third parties. We are transparent about how we use collected data. We do not store personal data that we do not need. We delete personal data immediately upon request (unless we are required by law to retain it). We use appropriate technical and organizational security measures to ensure data security, in particular, to protect your personal data against risks during data transmissions and against unauthorized third parties gaining knowledge. To this end, we use secure encryption procedures and regularly review the technical and organizational security measures we have taken in order to improve them on an ongoing basis. We store personal data only on servers located within the European Economic Area (EEA). In some cases, however, it may be necessary for us to transfer data to servers located outside the EEA. This will only be done if such a transfer is permitted under European law and it is ensured that your personal data enjoys adequate protection, e.g. by applying the EU standard contractual clauses established by the European Commission.
1.2 Responsible body - ALL USERS
The responsible body for the data processing described here is Billie GmbH, located at Charlottenstraße 4, 10969 Berlin. The contact point for rights and obligations as well as information about data processing is Billie GmbH, Charlottenstraße 4, 10969 Berlin, e-mail: datenschutz@billie.io.
1.3 Right of revocation and objection - ALL USERS
If the data processing is based on consent or our legitimate interest, you have the right at any time to object to the processing with effect for the future or to revoke the consent you have given. Submit your revocation or objection in writing or by e-mail using the contact details provided in section 1.2. After the revocation of the data protection consent, we will stop any further processing and use of your personal data and delete or block it, unless we are required by law to further processing, in particular, further storage. If you object to processing on the basis of our legitimate interest, we may nevertheless continue processing if we can demonstrate compelling legitimate grounds for processing that override your interests, rights and freedoms.
1.4 Data deletion and storage period - ALL USERS
We delete your personal data as soon as the legal basis for its processing ceases to apply. In some cases, however, legal bases may also exist in parallel, or a new legal basis may take effect when a legal basis ceases to exist, such as the obligation to store certain data in order to fulfill a statutory retention obligation.