Privacy Policy

Effective Date: 03-04-2026

BillShield AI (“we”, “our”, or “the app”) is designed to help users track subscriptions, recurring bills, and expenses for personal budgeting purposes. We are committed to protecting your privacy.

1. Information We Collect

BillShield AI does not require account creation and does not collect personal identity information such as your name, email address, or phone number.

We only store the information that you manually enter, including:

• Subscription names

• Bill names

• Expense entries

• Amounts and categories

• Dates and reminders

• Optional notes

2. How Your Information Is Used

Your data is used only within the app to:

• Display your subscriptions, bills, and expenses

• Calculate totals and summaries

• Generate reminders

• Provide general AI-based spending insights

3. Data Storage

All user-entered data is stored locally on your device.

We do not upload your financial data to external servers in this version of the app.

4. AI Insights

BillShield AI may generate general suggestions based on your entered data.

These insights:

• Are generated automatically

• Are based only on the data you input

• Do not include personal identification

• Are provided for informational purposes only

5. No Financial or Professional Advice

BillShield AI does not provide financial, legal, or professional advice.

All insights are general suggestions and should not be relied upon for financial decisions.

6. No Sale of Data

We do not sell, rent, or share your data with third parties.

7. No Bank or External Access

BillShield AI does not:

• Access your bank accounts

• Access your emails

• Access your SMS messages

• Scan financial statements

8. Notifications

If enabled, the app may send local notifications on your device to remind you of upcoming payments.

These notifications are generated locally and are not sent through external servers.

9. Analytics (Optional)

If analytics or crash reporting tools are used, they are:

• Minimal

• Privacy-focused

• Used only to improve app performance and stability

No financial data is shared.

10. Data Deletion

You can delete all your data at any time using:
Settings → Delete All Data

This action permanently removes all stored information from your device.

11. Children’s Privacy

This app is not intended for children under 13 years of age.

12. Changes to This Policy

We may update this Privacy Policy in future versions. Continued use of the app indicates acceptance of any updates.

13. Contact

If you have any questions about this Privacy Policy, contact:

Email: billshield@gmail.com