BillsClear

Privacy policy

BillsClear is a bill tracker app for iPhone and Android. It works without an account or a bank connection, and your bills stay on your phone. This page lists everything that leaves it, and why.

Effective September 28, 2026 · Updated October 15, 2026

What stays on your phone

  • Stored only on your device: your pay schedule (and a second one, if you have Pro), your bills (name, amount, currency, due date and how often it repeats), which bills you’ve marked paid, your display currency, any exchange rates you’ve pinned, your reminder settings, and the most recent exchange-rate table the app downloaded.
  • Our servers: we don’t run any servers that receive your bill or pay data. From version 1.2 the app sends anonymous usage events to our own analytics service (below), never your bills, amounts or pay schedule. There’s no bank link (no Plaid, no bank login) and no account.
  • Deleting the app: deleting BillsClear deletes this data from your phone. Copies you made yourself (below) are kept until you delete them.
  • Backup file (free, in version 1.1): when you tap Settings → Backup → Back up to a file, BillsClear writes your bills, paid history, pay schedules and settings to one file on your phone and opens your phone’s share sheet. The file only goes where you choose to save or send it, and we never receive it. Restoring reads a file you pick, on your phone.
  • Your phone’s own backup: if you use iCloud Backup on iPhone, or Google’s backup and device-to-device transfer on Android, your phone includes BillsClear’s bills and settings in that backup, under Apple’s or Google’s terms, so a new phone can restore them. BillsClear doesn’t receive it.
  • Bill history export (Pro): when you tap Export bill history, BillsClear builds a CSV file on your phone and opens your phone’s share sheet. The file only goes where you choose to send it. Nothing is uploaded by us.

What leaves your phone, and why

When
At most once a day, when you open the app and its saved rates are missing or more than a day old
Sent to
open.er-api.com, run by ExchangeRate-API
What is sent
A request for that day’s US-dollar exchange-rate table. It’s identical for every user and contains no bills, amounts, currencies, names or identifiers. Like any internet request, it reveals your device’s IP address to that server.
Why
To convert amounts between currencies
When
When the app starts (to check whether you have BillsClear Pro), and when you view the paywall, buy Pro, or restore a purchase
Sent to
Apple (App Store) or Google (Google Play), and RevenueCat (revenuecat.com)
What is sent
An anonymous app-user ID generated by RevenueCat, your purchase and subscription status, and device and app version details
Why
To process the subscription and unlock Pro
When
Android only: the first time you open BillsClear after installing it from Google Play
Sent to
RevenueCat (revenuecat.com), after BillsClear reads Google Play’s install referrer on your phone
What is sent
The utm_source, utm_medium and utm_campaign tags of the store link you installed from (for example “reddit”, “post” and a campaign name), if the link had any, stored with RevenueCat’s anonymous app-user ID. Nothing else from the referrer.
Why
To see which links, such as a Reddit post or our website, bring people who go on to subscribe
When
While you use the app (version 1.2 and later), unless you switch it off in Settings
Sent to
Our own analytics service (pulse.acefina.com, run by ACEFINA LLC on Cloudflare)
What is sent
Anonymous usage events: which screens are opened, how long the app is in use, onboarding, permission and purchase steps (the store product and the result), that a bill was added or marked paid (never its name, amount or date), that a pay period was cleared, whether the app is on the free, trial or paid plan, when the free bill limit or a Pro feature is reached, the choice made on the bill-limit sheet's feedback link (a fixed answer, no text), which kind of notification was opened, when the app asked for a rating, errors, and the app version, OS version, device model, language and country. They carry a random install ID that resets if you reinstall and is never joined to RevenueCat or any purchase. IP addresses are not stored, and raw events are deleted after 90 days.
Why
To understand how BillsClear is used and to fix problems. The legal basis is our legitimate interest in improving the app.
  • On iPhone: nothing is read or sent about how you found the app.
  • What these services never receive: your pay schedule, bills, amounts, due dates, or paid and unpaid history.
  • Their own policies: ExchangeRate-API, Apple, Google and RevenueCat each handle the data they receive under their own privacy policies.
  • If the request fails: BillsClear keeps using the last rates it saved and shows their date.

Notifications

  • BillsClear uses local notifications: a reminder before a bill is due (6 pm the evening before by default; Pro lets you set a different time for each bill), skipped once the bill is paid, and a summary on payday morning.
  • They’re scheduled on your phone. No push service is involved, and no notification content leaves your phone.
  • BillsClear offers reminders, with a short explanation, when the Home screen first appears after setup, not during onboarding. Your phone’s permission prompt follows if you choose Enable. Turning reminders on later in Settings can request permission again. You can turn reminders off in the app’s Settings (Bill and payday reminders) or in your phone’s settings.

What we don’t do

In the BillsClear app:

  • No account or sign-in.
  • No bank connection of any kind.
  • No advertising, and no advertising identifiers.
  • App usage measurement goes to our own service, never includes your bills or amounts, and you can switch it off. RevenueCat receives the Android install-link tags described above.
  • We don’t sell or share personal data.

This website

billsclear.com is a static site. It counts page views, app-store link clicks and web-tool results with Umami, which we host ourselves without cookies. Umami receives the page address and title, browser language, screen size and the referring site’s base address, without its page path. It also derives coarse browser, operating-system, device-type and country statistics from visits.

Click and result events add only the store or tool name, never your bills, inputs or calculated values. The counters exclude address parameters (the part after ?) and fragments (the part after #). Umami respects your browser’s Do Not Track setting.

The Hours calculator page also counts clicks on the BillsClear app and planner links. That counter records only the link and page names. What you type into the calculator stays in your browser.

Cloudflare, which hosts the site, processes request data such as IP addresses to deliver and protect it. The walkthrough video on the Rocket Money comparison is hosted on YouTube. It loads from youtube-nocookie.com only when you press play, and from then on YouTube’s privacy policy applies.

Children

BillsClear isn’t directed at children under 13, and we don’t knowingly collect personal information from them.

Your choices

  • Deleting your data: delete bills in the app, or delete the app. Backup files you saved, and your phone’s own backups, stay until you delete them.
  • Taking your data with you: the free backup file (Settings → Backup) at any time, which another phone can restore, and BillsClear Pro’s bill history export (CSV) for spreadsheets.
  • Subscriptions: manage or cancel in iOS Settings → your Apple Account → Subscriptions, or in the Google Play app → Payments & subscriptions.
  • Notifications: turn them off in the app’s Settings or in your phone’s settings.
  • Usage data: switch it off at any time in Settings → Share anonymous usage data. Switching it off also deletes the usage data already sent from your phone. You can also ask support@billsclear.com to delete it.

Changes

If this policy changes, we’ll update the effective date above and describe the change in the app’s release notes.

Contact

ACEFINA LLC, support@billsclear.com