Privacy Policy

1. Introduction

Bills AI ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our financial analysis service.

By using Bills AI, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

2.1 Information You Provide

• Account Information: Email address, name, and password when you create an account
• Financial Data: Bank statements, transaction data, and financial information you upload for analysis
• Payment Information: Billing details when you upgrade to a paid plan (processed securely through Lemon Squeezy)

2.2 Automatically Collected Information

• Usage Data: Pages viewed, features used, time spent on the platform
• Device Information: Browser type, operating system, IP address
• Cookies: We use essential cookies for authentication and functionality

3. How We Use Your Information

• To provide and maintain our financial analysis service
• To process your bank statements and generate insights using AI
• To send you important updates about your account and our service
• To improve our service and develop new features
• To detect and prevent fraud or unauthorized access
• To comply with legal obligations

We do NOT sell your financial data to third parties. Your privacy is our priority.

4. Data Security

We take data security seriously and implement industry-standard measures to protect your information:

• Encryption: All sensitive data (account numbers, transaction details) is encrypted using AES-256 encryption
• Secure Storage: Data is stored in encrypted databases with access controls
• HTTPS: All communications use SSL/TLS encryption
• Regular Security Audits: We regularly review and update our security practices
• Access Controls: Strict limits on who can access user data

5. Data Sharing and Disclosure

We share your information only in these limited circumstances:

• AI Processing: Your financial data is sent to AI providers (OpenAI, Anthropic, or Google) for analysis. We use their enterprise APIs with data processing agreements.
• Payment Processing: Billing information is shared with Lemon Squeezy (our payment processor)
• Legal Requirements: If required by law, court order, or government regulation
• Business Transfers: In connection with a merger, acquisition, or sale of assets (with notification to you)

We do NOT share your financial data with advertisers or data brokers.

6. Data Retention

We retain your data for as long as your account is active or as needed to provide our services. You can request deletion of your data at any time by contacting us at support@billsai.cc.

After account deletion, we will permanently delete your financial data within 30 days, except where retention is required by law.

7. Your Rights

You have the right to:

• Access: Request a copy of your data
• Correction: Update or correct your information
• Deletion: Request deletion of your account and data
• Export: Download your financial data in a portable format
• Opt-out: Unsubscribe from marketing emails (service emails will continue)

To exercise these rights, contact us at support@billsai.cc.

8. Cookies and Tracking

We use essential cookies for authentication and service functionality. We do not use third-party advertising cookies. You can control cookies through your browser settings, but disabling essential cookies may affect service functionality.

9. Third-Party Links

Our service may contain links to third-party websites. We are not responsible for the privacy practices of these sites. We encourage you to review their privacy policies.

10. Children's Privacy

Bills AI is not intended for users under 18 years of age. We do not knowingly collect information from children. If you believe we have collected information from a minor, please contact us immediately.

11. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place for such transfers.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes via email or through a notice on our website. Continued use of Bills AI after changes constitutes acceptance of the updated policy.

13. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us: