1. Information We Collect

We collect information you provide directly to us and information we obtain automatically when you use our expense categorization platform. This helps us deliver personalized financial management tools and improve our services.

We never collect sensitive personal information like Social Security numbers, credit card details (beyond last four digits for identification), or personal identification documents unless legally required.

2. How We Use Your Information

Your information helps us provide expense categorization services, maintain account security, and improve our platform. We're transparent about every way we use your data.

Service Delivery

• Automatically categorize your expenses using machine learning algorithms
• Generate financial reports and spending insights
• Sync data across your connected devices and applications
• Provide customer support and resolve technical issues

Platform Improvement

• Analyze usage patterns to enhance categorization accuracy
• Develop new features based on user behavior and feedback
• Test platform performance and identify areas for optimization
• Conduct security monitoring and fraud prevention

Communication

• Send important account notifications and security alerts
• Share product updates and new feature announcements
• Provide educational content about expense management
• Respond to your inquiries and support requests

3. Information Sharing and Disclosure

We don't sell your personal information to third parties. We only share your data in specific circumstances that directly benefit your use of our services or when legally required.

Authorized Third-Party Services

We work with carefully selected partners who help us provide our services:

• Bank Data Providers: Secure services like Plaid or Yodlee that connect your bank accounts with your permission
• Cloud Infrastructure: AWS or similar providers that host our secure servers and databases
• Payment Processors: Stripe or PayPal for processing subscription payments securely
• Analytics Tools: Services that help us understand how users interact with our platform

Legal Requirements

We may disclose information when required by law, such as responding to valid legal requests, preventing fraud, protecting user safety, or complying with regulatory requirements under US financial regulations.

Business Transfers

If Billie GmbH is acquired or merged with another company, your information may be transferred as part of that transaction. We'll notify you before your information becomes subject to a different privacy policy.

4. Your Privacy Rights

You have significant control over your personal information. We've made it easy to exercise these rights through your account dashboard or by contacting our privacy team.

How to Exercise Your Rights

Log into your account dashboard to modify most settings directly. For more complex requests or account deletion, email our privacy team at privacy@billieonline.com. We'll respond within 30 days and verify your identity before processing requests.

Some information may need to be retained for legal or business purposes, such as transaction records required for tax reporting or fraud prevention logs.

5. Data Security and Protection

We use bank-level security measures to protect your financial information. Your data is encrypted, monitored, and stored using industry-standard security protocols.

Technical Security Measures

• 256-bit SSL encryption for all data transmission
• AES-256 encryption for data storage
• Multi-factor authentication for account access
• Regular security audits and penetration testing
• 24/7 monitoring for suspicious activity
• Secure server infrastructure with restricted access

Organizational Security

• Employee background checks and security training
• Limited access to personal data on a need-to-know basis
• Regular security policy reviews and updates
• Incident response procedures for potential breaches

While we implement strong security measures, no system is 100% secure. We recommend using strong, unique passwords and enabling two-factor authentication on your account.

6. Data Retention

We keep your information only as long as necessary to provide our services, comply with legal obligations, and resolve disputes. Different types of data have different retention periods.

Retention Periods

• Account Information: Retained while your account is active, plus 3 years after closure
• Transaction Data: 7 years from the transaction date (required for tax and regulatory compliance)
• Usage Logs: 2 years for security and platform improvement purposes
• Marketing Data: Until you unsubscribe or request deletion
• Support Communications: 3 years from the last interaction

When data reaches the end of its retention period, we securely delete it from our systems. Some aggregated, non-identifiable data may be retained indefinitely for business analytics.

7. International Data Transfers

Billie GmbH operates globally, and your information may be processed in countries other than where you live. We ensure appropriate safeguards are in place for international data transfers.

Our primary servers are located in the United States, with backup systems in the European Union. When we transfer data internationally, we use:

• Standard Contractual Clauses approved by relevant authorities
• Adequacy decisions for countries with equivalent privacy protections
• Additional security measures for transfers to countries without adequacy decisions

You can request information about specific safeguards used for your data by contacting our privacy team.

8. Cookies and Tracking Technologies

We use cookies and similar technologies to improve your experience, remember your preferences, and analyze how our platform is used. You have control over most cookie settings.

Types of Cookies We Use

• Essential Cookies: Required for basic platform functionality, login, and security
• Preference Cookies: Remember your settings and customization choices
• Analytics Cookies: Help us understand how users interact with our platform
• Marketing Cookies: Used to show relevant content and measure campaign effectiveness

You can control cookies through your browser settings or our cookie preference center. Disabling certain cookies may limit some platform functionality.

9. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18.

If we discover that we've collected information from someone under 18, we'll delete that information immediately. If you believe we may have collected information from a child, please contact us at privacy@billieonline.com.

10. Changes to This Policy

We may update this privacy policy to reflect changes in our practices, technology, or legal requirements. We'll notify you of significant changes through email or platform notifications.

Minor updates may be posted directly to this page with an updated "Last Modified" date. We encourage you to review this policy periodically to stay informed about how we protect your privacy.

If you disagree with changes to this policy, you can close your account before the changes take effect. Continued use of our services after policy updates indicates acceptance of the revised terms.