Privacy Policy

Billie GmbH processes personal data in accordance with the General Data Protection Regulation, the German Federal Data Protection Act, and applicable ePrivacy rules. This policy explains how we handle data from website visitors, merchants, buyers, partners, applicants, and business contacts.

We process contact details, company information, technical identifiers, communication records, application data, fraud prevention signals, transaction metadata, and compliance records where necessary to operate our website, respond to inquiries, evaluate merchant requests, provide payment services, prevent fraud, fulfil legal obligations, and improve our products.

Legal bases may include contract performance, pre-contractual steps, legitimate interests, legal obligations, consent, and the establishment or defence of legal claims. Where consent is required for analytics or marketing cookies, visitors can grant, withdraw, or adjust consent through the cookie settings modal.

Data may be shared with hosting providers, analytics vendors selected by consent, payment and commerce partners, professional advisers, regulators, courts, and carefully controlled processors. International transfers are protected through adequacy decisions, Standard Contractual Clauses, and supplementary safeguards where required.

Data subjects may request access, rectification, erasure, restriction, portability, and objection, and may withdraw consent at any time. Requests can be sent to info@zip-platform.com. Individuals also have the right to lodge a complaint with a competent data protection authority.

We keep data only as long as necessary for the purpose of processing, contractual obligations, legal retention periods, risk management, fraud prevention, accounting, and dispute handling. Security measures include role-based access, encryption, logging, vendor due diligence, and incident response procedures.