Privacy Policy

This privacy policy applies to the Billy app (hereby referred to as "Application") for mobile devices. This service is intended for use "AS IS".

Information Collection and Use

The Application collects limited information when you download and use it, including:

• Your devices Internet Protocol address (e.g. IP address)

The operating system you use on your mobile device

The Application does not collect or use your devices location.

For a better experience, while using the Application, the Service Provider may require you to provide certain personally identifiable information, including but not limited to your email address and full name. The information the Service Provider requests will be retained by them and used as described in this privacy policy.

The Service Provider may use your information to contact you with important information and required notices about the Application.

Third Party Access

Only aggregated, anonymized data is periodically transmitted to external services to aid the Service Provider in improving the Application and their service. The Service Provider may share your information with third parties in the ways that are described in this privacy statement.

Please note that the Application utilizes third-party services that have their own Privacy Policy about handling data. Below are the links to the Privacy Policy of the third-party service providers used by the Application:

Clerk — authentication and identity

RevenueCat — subscription and payment management

Neon — database hosting and storage

Resend — transactional email delivery

The Service Provider may disclose your information:

as required by law, such as to comply with a subpoena or similar legal process;

when they believe in good faith that disclosure is necessary to protect their rights, protect your safety or the safety of others, investigate fraud, or respond to a government request;

with the third-party service providers listed above (authentication, payments, database hosting, and email delivery), who process data solely to provide those services and are bound by their own privacy commitments.

Opt-Out Rights

You can permanently delete your account and all associated data from within the app at any time via Settings → Account → Delete Account. This removes all server-side data immediately.

You can also stop all collection of information by uninstalling the Application. You may use the standard uninstall processes available on your mobile device or via the mobile application marketplace. Note that uninstalling the app does not delete your account or data from the Service Providers servers — use the in-app deletion option for that.

Data Retention Policy

The Service Provider will retain User Provided data for as long as you use the Application and for a reasonable time thereafter.

Deleting your account: You can permanently delete your account and all associated data directly from the app at any time. Go to Settings → Account → Delete Account. Deletion is immediate and permanent. The following data is removed:

All bills and recurring schedules

All custom categories

All bill-sharing arrangements

Notification history

Your account and profile information

If you are unable to complete the deletion from within the app, you may contact the Service Provider at [email protected] and they will action the request in a reasonable time.

Children

The Service Provider does not use the Application to knowingly solicit data from or market to children under the age of 13.

The Application does not address anyone under the age of 13. The Service Provider does not knowingly collect personally identifiable information from children under 13 years of age. In the case the Service Provider discover that a child under 13 has provided personal information, the Service Provider will immediately delete this from their servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact the Service Provider ([email protected]) so that they will be able to take the necessary actions.

Security

The Service Provider is concerned about safeguarding the confidentiality of your information. The Service Provider provides physical, electronic, and procedural safeguards to protect information it processes and maintains.

Your bill names and amounts are encrypted at rest — they are stored in an encrypted format and can only be read by the authenticated user. The Service Provider cannot read your individual bill data.

Changes

This Privacy Policy may be updated from time to time for any reason. The Service Provider will notify you of any changes to the Privacy Policy by updating this page with the new Privacy Policy. You are advised to consult this Privacy Policy regularly for any changes, as continued use is deemed approval of all changes.

This privacy policy is effective as of 2026-02-21

Your Consent

By using the Application, you are consenting to the processing of your information as set forth in this Privacy Policy now and as amended by us.

Contact Us

If you have any questions regarding privacy while using the Application, or have questions about the practices, please contact the Service Provider via email at [email protected].