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

Children's Privacy

BillBeacon is not intended for use by children under the age of 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us at privacy@billbeacon.app and we will delete such information.

California Privacy Rights

If you are a California resident, you have certain rights under the California Consumer Privacy Act (CCPA):

Right to Know: You can request information about the categories and specific pieces of personal information we have collected about you
Right to Delete: You can request deletion of your personal information
Right to Opt-Out: You can opt out of the sale of your personal information (note: we do not sell personal information)
Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights

To exercise these rights, contact us at privacy@billbeacon.app. We will respond to verifiable requests within 45 days.

Cookies & Website Analytics

Our website (billbeacon.app) may use cookies and similar technologies to:

Remember your preferences
Understand how visitors use our website
Improve our website and services

We use minimal analytics to understand website traffic. This data is anonymized and does not include personal information. You can control cookies through your browser settings.

The BillBeacon mobile app does not use cookies.

International Users

BillBeacon is operated from the United States. If you are accessing our services from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located. By using BillBeacon, you consent to this transfer. We take steps to ensure your data is treated securely and in accordance with this Privacy Policy.

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