Privacy Policy

Last updated: 13 July 2026

SmartPay Utilities ("we", "us") operates utilities.mw and the SmartPay Utilities mobile app. This policy explains how we collect, use, store, and delete your information.

Information we collect

• Account data: name, phone number, email address, and a hashed login PIN
• Payment data: transaction amounts, meter/account numbers, payment references, and wallet balance history
• Location: GPS coordinates when you tag a payment (optional, while using the app)
• Camera & photos: when you scan QR codes or capture meter readings for OCR
• Biometrics: Face ID or fingerprint is processed on your device only — we do not receive biometric templates
• Device data: basic device and app version information for security and support

How we use your information

• Process utility payments and deliver tokens or confirmations
• Operate your digital wallet and top-ups via PayChangu
• Send OTP codes, receipts, and service notifications
• Prevent fraud and comply with applicable law in Malawi
• Improve app reliability and customer support

Third-party services

We share payment data with PayChangu and relevant utility providers to complete transactions. Location search uses OpenStreetMap (Nominatim). Meter OCR may use on-device Google ML Kit processing.

Data retention & deletion

You can delete your account in the app (Profile → Delete Account) or follow account deletion instructions. Personal data is removed; anonymized transaction records may be retained where required by law.

Security

Credentials are stored using platform secure storage (iOS Keychain / Android EncryptedSharedPreferences). All production API traffic uses HTTPS.

Contact

Questions: support@utilities.mw

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