Privacy Policy
Last Updated: March 31, 2026
BillGenius is built with a privacy-first philosophy. Your financial data stays
exactly where it belongs: on your device. This policy explains what data we store,
how we protect it, and your rights.
1. Data We Store
All your data is stored exclusively on your device using local storage. This
includes:
- Bill details (titles, amounts, due dates, recurrence, categories)
- Payment history and amounts
- App preferences (theme, language, currency, date format)
- Locally generated AI insights and spending analytics
- Usage statistics (daily streaks, session counts)
We do not operate any servers. Your financial data is never transmitted to us or
stored externally.
2. On-Device AI Processing
All AI features run entirely on your device:
- Bill scanning uses on-device OCR (Google ML Kit) and a local AI model to extract
bill information
- Bill categorization, spending insights, anomaly detection, and spending forecasts
are all processed locally
- No images, text, or financial data is ever sent to cloud servers for AI processing
- The AI model is downloaded once to your device and runs offline thereafter
3. Camera & Photo Access
BillGenius requests camera and photo library access solely for scanning bills.
- Photos are processed immediately on your device and are not saved to your photo
library
- EXIF metadata (including location data) is explicitly removed from all captured
images
- You can deny these permissions and use the app fully without scanning features
4. Backups & Encryption
Your backups are encrypted using AES-256 encryption and stored only in your chosen
location (iCloud, Google Drive, or local device storage).
- We never have access to your backup files or encryption keys
- You control where your backups are stored at all times
- You can export your data in CSV or JSON format at any time
5. Third-Party Services
BillGenius uses RevenueCat to manage subscriptions and purchases.
- RevenueCat receives only an anonymous app user ID (a randomly generated
identifier) and subscription-related data
- No bill details, financial information, or personal data is shared with RevenueCat
- RevenueCat's privacy policy is available at revenuecat.com/privacy
6. Notifications
BillGenius sends only local notifications for bill reminders and spending summaries.
- All notifications are generated and delivered entirely on your device
- No notification data is sent to any server
- You can manage or disable notifications in your device settings at any time
7. Data Retention & Deletion
All data is retained on your device only for as long as you use the app.
- You can delete individual bills at any time
- Use the 'Clear Data' option in settings to remove all app data
- Uninstalling the app permanently deletes all stored data
- Deleted data cannot be recovered unless you have a backup
8. Children's Privacy
BillGenius is not intended for children under 13 years of age. We do not knowingly
collect personal information from children. Since all data is stored exclusively on
your device, simply deleting the app or clearing the app's local data from your
device settings will permanently remove all stored information. No contact is needed
to erase any data.
9. Your Rights
You have full control over your data. You can:
- Access all your stored data directly within the app
- Export your data in CSV or JSON format at any time
- Delete any or all of your data at any time
- Deny any permission request without losing core app functionality
- Manage your subscription through your device's app store settings
10. Changes to This Policy
We may update this privacy policy from time to time. Any changes will be reflected
in the 'Last Updated' date at the top of this page. Continued use of the app after
changes constitutes acceptance of the updated policy.
11. Contact
If you have questions or concerns about this privacy policy or your data, please
contact us at contact@billgenius.app