Privacy Policy

Last updated: 4 November 2026

This policy explains what information Billiqo ("Billiqo", "we", "us") collects through billiqo.in and the Billiqo POS software, and how we use it.

1. Information we collect

• Enquiries and purchases: your name, shop name, phone, email, GSTIN and the plan you choose.
• Licence information: your licence ID, plan, expiry date, activation code, and an identifier of each PC activated with your code (a device ID and computer name).
• Payments: payments are processed by our payment partner (such as Razorpay). We receive the payment status and reference. We never receive your full card number, CVV or bank login. From the payment record we keep only a coded (one-way hashed) form of the paying phone number, email, UPI ID and card ending, which cannot be turned back into the original.
• Billiqo partner: if a Billiqo partner helped you, the partner's ID and the link between your licence and that partner.

2. Your shop's business data

Bills, products, stock, customers and reports you create in Billiqo POS are stored on your own PC, in a local database. We do not receive or store this data. Backups are made on your PC and, if you choose, copied to a folder you select (for example Google Drive or OneDrive), which is governed by that provider's terms.

3. How we use information

• To provide, activate and verify your Billiqo licence.
• To reply to enquiries, provide support and send licence or renewal information.
• To issue receipts for your purchase and meet legal obligations.
• To pay the right Billiqo partner and prevent commission fraud: the coded payment details show whether a partner paid for their own "shop", and a coded form of your email, phone and GSTIN lets us recognise a renewal or a second licence from the same shop, so it is not counted as a new sale.

We do not sell your personal information.

4. Sharing

We share information only with service providers who help us run Billiqo (such as payment processing, licence hosting on Google Firebase, and email delivery), and where required by law. A Billiqo partner linked to your licence sees only the plan, the purchase or renewal date and the last 4 characters of your licence ID, never your name, contact details or payment details. When a partner is linked from Billiqo POS, we email you so you can tell us if no partner helped you.

5. Security and retention

Licence records are protected so that only we can change them. We keep purchase and licence records for as long as your licence is active and as required by law (for example, tax records).

6. Your choices

You can ask us to correct or delete your personal information, subject to legal record-keeping requirements, by writing to support@billiqo.in.

7. Billiqo Partner Program

This section applies to people who apply to, or take part in, the Billiqo Partner Program. For this data Billiqo is the Data Fiduciary under the Digital Personal Data Protection Act, 2023.

What we collect and why

• Google account email, name and profile picture (from "Continue with Google"): to sign you in and contact you.
• Name as on PAN, mobile number, city, state, PIN, and how you plan to sell: to review your application and contact you.
• PAN: to confirm who you are, avoid duplicate accounts, pay you and meet tax law.
• Business name and GSTIN (business partners, if you have them): to confirm the business and handle GST on commission.
• Bank account or UPI ID (asked before your first payout): to pay your commission.
• Sales, commissions, payouts and statements: to calculate and pay commission and keep accounts.
• IP address and the date and time of sign-in, agreement acceptance and key actions: for security, fraud prevention and proof of your acceptance.

We do not collect Aadhaar, ID card images or photos, and we use no data from your Google account other than your email, name and profile picture.

How we keep it safe. PAN, bank account and UPI details are encrypted before they are stored and are shown to you masked. Only the Billiqo owner can see partner records, through a signed-in admin tool, and every action is logged. Data is stored with Google Firebase (Google Cloud) and Cloudflare, which process it for us under contract; some processing may take place outside India, as the DPDP Act allows.

Who we share it with. Banks and payment providers (only what is needed to send your payout), tax authorities (when the law requires, for example TDS returns), and police, courts or regulators when the law requires it or to investigate fraud. We never sell your data or share it for anyone else's marketing.

How long we keep it. A rejected or withdrawn application: 6 months after the decision. Your partner profile and payout details: while you are a partner, then 8 years. Commission, payout and tax records: 8 years after the financial year ends (Income-tax law). Security logs: 1 year. After that the data is deleted.

Your rights. You can ask what personal data we hold about you and how we use it; ask us to correct, complete or update it; ask us to delete it (we delete everything the law does not require us to keep, and this ends your partnership); withdraw your consent at any time; nominate another person to exercise these rights if you die or become unable to; and complain to our Grievance Officer and, if you are not satisfied, to the Data Protection Board of India. Write to support@billiqo.in with the subject "Partner data". We reply within 30 days.

Grievance Officer: Suraj Deepak Kadam, Billiqo · support@billiqo.in

If something goes wrong. If a personal data breach affects you, we will tell you and the Data Protection Board of India without delay, as the DPDP Rules, 2025 require, and explain what happened and what we are doing about it.

8. Contact

Billiqo (sole proprietorship of Suraj Deepak Kadam, Thane, Maharashtra 400606)
Email: support@billiqo.in