Overview

BillBeacon ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your information when you use our mobile application.

We built BillBeacon with privacy at the core. We believe you should have clear visibility into your recurring charges without sacrificing your personal data.

Information We Collect

Bank Connection Data

When you connect your bank account through Plaid, we receive:

Transaction data (merchant names, amounts, dates)
Account identifiers (for syncing purposes only)

We do NOT receive or store:

Your bank login credentials (username/password)
Account numbers or routing numbers
Your full transaction history beyond what's needed for subscription detection

Device Information

We collect a device identifier to associate your subscriptions with your device. This allows you to use BillBeacon without creating an account.

Usage Data

We collect minimal usage data to improve the app, such as which features are used most frequently. This data is anonymized and cannot be linked to individual users.

How We Use Plaid

Bank connections are powered by Plaid, a trusted financial data platform used by thousands of apps and financial institutions.

When you connect your bank:

You authenticate directly with your bank through Plaid's secure interface
Plaid securely retrieves your transaction data
We receive only the data needed to identify recurring charges
We store an encrypted access token to sync new transactions

Your bank credentials are never shared with BillBeacon. Plaid uses bank-grade encryption and security practices.

Data Storage & Security

We take your data security seriously:

Access tokens are encrypted using industry-standard encryption (Fernet/AES)
All data transmission uses HTTPS/TLS encryption
We use secure cloud infrastructure with regular security audits
Your subscription data is stored locally on your device when possible

Data Retention

We retain your data only as long as necessary to provide our services:

Transaction data is processed and used to detect subscriptions, then discarded
Your detected subscriptions are stored until you delete them or your account
Access tokens are stored until you disconnect your bank account

Your Rights & Controls

You have full control over your data:

Disconnect anytime: Remove your bank connection from the app settings
Delete your data: Request complete deletion of all your data
Export your data: Download your subscription information
Access your data: View all data we have about you

What We Don't Do

We do NOT sell your data to third parties
We do NOT share your data with advertisers
We do NOT use your data for marketing purposes
We do NOT store your bank login credentials

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any significant changes through the app or by email. Your continued use of BillBeacon after changes constitutes acceptance of the updated policy.

Contact Us

If you have questions about this Privacy Policy or your data, please contact us at: privacy@billbeacon.app