Privacy Policy

1. Introduction

Welcome to Billr AI. We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, store, and protect your data when you use our AI-powered expense tracking mobile application.

By using Billr AI, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, your choice is not to use our app.

2. Information We Collect

2.1 Information You Provide Directly

• Account Information: Email address, username, and password when you create an account
• Bill Images: Photos of receipts and bills that you capture using the app
• Payment Information: Billing details for premium subscriptions (processed securely by payment providers)
• Support Communications: Messages and information you provide when contacting customer support

2.2 Information Automatically Collected

• Usage Data: How you interact with the app, features used, and app performance metrics
• Device Information: Device model, operating system version, device identifiers, and mobile network information
• Log Data: IP address, access times, app crashes, and error reports
• Camera Data: Temporary access to camera for bill scanning (images are not stored on our servers)

2.3 Extracted Text Data

• OCR Text: Text extracted from your bill images using Google ML Kit
• Processed Data: Structured data (shop names, items, prices, totals) generated by AI processing

3. How We Use Your Information

We use the collected information for the following purposes:

3.1 Core App Functionality

• Process and analyze bill images to extract expense data
• Store and organize your expense information locally on your device
• Provide calendar-based expense tracking and analytics
• Generate spending reports and insights

3.2 Service Improvement

• Improve AI accuracy and app performance
• Develop new features and functionality
• Analyze usage patterns to enhance user experience
• Debug and fix technical issues

3.3 Communication

• Send important app updates and notifications
• Provide customer support and respond to inquiries
• Send promotional materials (only with your consent)

4. AI Processing and Third-Party Services

4.1 Google ML Kit (On-Device)

• Text extraction from images happens locally on your device
• No images are sent to external servers during OCR processing
• Google ML Kit operates according to Google's privacy policies

4.2 Google Gemini AI

• Only extracted text is sent to Gemini for intelligent parsing
• Text is processed to identify shop names, items, and totals
• No personal identification information is included in API calls
• Data is not stored by Google for training purposes (when using appropriate API settings)

4.3 Other Third-Party Services

• Payment Processors: Stripe/PayPal for subscription billing
• Analytics: Anonymized usage analytics for app improvement
• Cloud Backup: Optional encrypted cloud storage for Pro users

5. Data Storage and Security

5.1 Local Storage

• Primary expense data is stored locally using Hive database
• Data remains on your device and under your control
• Local data is encrypted using industry-standard encryption
• You can delete all local data by uninstalling the app

5.2 Cloud Storage (Optional)

• Pro users can optionally enable cloud backup
• Cloud data is encrypted before transmission and storage
• Stored on secure, industry-standard cloud infrastructure
• You can disable cloud backup at any time

5.3 Security Measures

• End-to-end encryption for data transmission
• Secure API communication with authentication tokens
• Regular security audits and vulnerability assessments
• Access controls and monitoring for our systems

6. Data Sharing and Disclosure

We do not sell, trade, or otherwise transfer your personal information to third parties, except in the following circumstances:

6.1 Service Providers

• Google (for AI processing and ML Kit services)
• Payment processors (for subscription billing)
• Cloud infrastructure providers (for app hosting and optional backup)
• Analytics providers (anonymized data only)

6.2 Legal Requirements

• When required by law or legal process
• To protect our rights, property, or safety
• To protect the rights, property, or safety of our users
• In connection with any merger, sale, or acquisition

6.3 With Your Consent

• When you explicitly consent to sharing
• For features that require data sharing (e.g., family sharing)

7. Your Rights and Choices

7.1 Access and Control

• Access: View all your stored expense data within the app
• Export: Export your data in CSV or PDF format (Pro users)
• Delete: Delete individual expenses or all data
• Modify: Edit or correct any expense information

7.2 Privacy Controls

• Enable or disable cloud backup
• Control app permissions (camera, storage)
• Opt out of analytics and usage tracking
• Manage notification preferences

7.3 Account Management

• Update account information and preferences
• Cancel subscriptions at any time
• Request account deletion (will delete all cloud data)

8. Data Retention

8.1 Local Data

• Data remains on your device until you delete it or uninstall the app
• You have complete control over local data retention

8.2 Cloud Data

• Retained while your account is active and for 30 days after deletion request
• Automatically deleted when you cancel cloud backup
• Backup data deleted within 90 days of subscription cancellation

8.3 Account Data

• Account information retained for 1 year after account closure
• Payment records retained as required by law (typically 7 years)
• Support communications retained for 2 years

9. International Data Transfers

Billr AI is operated from [Your Country]. If you are accessing the app from outside [Your Country], please be aware that your information may be transferred to, stored, and processed in [Your Country] and other countries where our service providers operate.

We ensure adequate protection for international data transfers through:

• Standard contractual clauses with service providers
• Adequacy decisions by relevant authorities
• Appropriate safeguards as required by applicable law

10. Children's Privacy

Billr AI is not intended for children under 13 years of age (or 16 in the EU). We do not knowingly collect personal information from children under these ages.

If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately. We will take steps to remove such information from our systems.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors.

• We will notify you of any material changes via the app or email
• The "Last updated" date will be revised
• Continued use of the app after changes constitutes acceptance
• You can review the current policy at any time within the app

12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact us: