Bill Reminder & Tracker

This Privacy Policy explains how the Bill Reminder & Tracker app for iPhone ("Bill Reminder", "the app") handles your information. The app is developed by S M Moinur Rahman ("we", "us").

1. Information you enter in the app

To help you manage your bills, the app lets you enter and save information such as:

• Bill names, categories, amounts, due dates, repeat schedules, and notes
• Payment status and payment history (including partial and minimum payments)
• Credit card statement balances, minimum payments, late fees, and grace periods
• Autopay settings and payment links you add for a bill
• Free trial end dates for subscriptions
• Names you enter for people you split a bill with, and who paid you back
• Your pay schedule and optional take-home pay amount (Paycheck Planner)
• Files you choose to attach, such as receipts or bill PDFs
• App preferences such as language, region, reminder time, and sound

This information is saved locally on your device inside the app's private storage (shared only with the app's own widgets). It is never sent to us or to any third party. We cannot see, access, or recover it.

2. Information we do not collect

We do not collect any personal data or usage data. The app does not include any analytics, advertising, crash-reporting, or tracking tools, and it does not use your IP address, device identifiers, location, or contacts. The camera and photo library are used only when you choose to scan a bill (see below). We do not sell or share any information, because we do not have any.

3. iCloud Sync (optional)

iCloud Sync is off unless you turn it on in the app's Settings. When it is on, a copy of your bills is stored in the private database of your own iCloud account using Apple's CloudKit, so your devices stay in sync. This data is protected by your Apple Account and handled under Apple's privacy policy. We cannot see, access, or recover it. You can turn iCloud Sync off at any time; you can also manage iCloud data in iOS Settings.

4. Bill scanning, camera, and photos

If you choose to scan a paper bill, the app asks for camera access (or you pick a photo). The image is read on your device with Apple's on-device text recognition to fill in the bill name, amount, and due date. The photo is not stored by the app and is never uploaded.

5. Widgets, Lock Screen, and Siri

Home Screen and Lock Screen widgets, the "due today" Live Activity, and Siri shortcuts show bill details that are already on your device. Nothing is sent to a server. Because these can appear on your Lock Screen, you can remove widgets or turn off the Lock Screen option in the app's Settings at any time.

More Apps. The "More Apps" section in Settings loads app icons from Apple's public App Store service. Only the App Store IDs of our apps are requested; none of your bills or personal data are sent. Tapping an app opens the App Store.

6. Notifications

If you allow notifications, the app schedules reminders on your device for upcoming due dates, grace periods, autopay dates, and free trial end dates. These are local notifications created on your device; no information is sent to a server. You can turn reminders off in the app's Settings or in iOS Settings at any time.

7. Face ID, Touch ID, and App Lock

If you turn on App Lock, iOS asks for your Face ID, Touch ID, or device passcode to open the app. This check is performed entirely by Apple's iOS. The app only receives a "success" or "failure" result and never receives or stores your face, fingerprint, or passcode data.

8. Backups, exports, and reports

You can choose to create a backup file, export a CSV spreadsheet, or create a PDF report. These files are created on your device only when you request them, and you decide where to save or share them (for example iCloud Drive, the Files app, email, or another app). Once you share or save a file outside the app, it is handled by the service you chose and that service's privacy policy, such as Apple's privacy policy for iCloud Drive.

Your iPhone's own iCloud or computer backup may also include the app's data, depending on your device settings. This is managed by Apple, not by us.

9. Payment links and other websites

If you add a payment link to a bill, tapping "Pay Now" opens that website in your browser. The app does not process payments and never sees your card, bank, or login details. Websites you open are operated by third parties, and their own privacy policies apply.

10. Attachments

Files you attach to a bill are copied into the app's private storage on your device. They are not uploaded anywhere. Deleting the bill deletes its attachment.

11. App Store and ratings

The app is distributed through Apple's App Store. If you rate or review the app, that is handled by Apple under Apple's privacy policy. We do not receive personal information about you from Apple.

12. Keeping and deleting your data

Your data stays on your device until you delete it. You can delete any bill in the app, which also removes its reminders and attachment. Deleting the app from your device removes all of its data. Because we do not hold any of your data, we have nothing to delete on our side.

13. Security

Your data is protected by iOS app sandboxing and by your device's own security, such as your passcode and data encryption. For extra protection, you can turn on App Lock. Please keep your device secure and create backups if you want to protect your data against loss.

14. Children's privacy

The app is not directed to children under 13, and we do not knowingly collect information from anyone, including children.

15. Your privacy rights (including California residents)

Privacy laws such as the California Consumer Privacy Act (CCPA/CPRA) give you rights to know, access, delete, and opt out of the sale or sharing of personal information. Since we do not collect, sell, or share personal information, there is no personal information for us to provide, delete, or stop selling. Your data on your device remains fully under your control.

16. Changes to this policy

We may update this Privacy Policy when the app changes. The updated version will be posted on this page with a new effective date. If a change affects how your information is handled, we will describe it in the app's release notes.

17. Contact us

If you have any questions about this Privacy Policy, contact us at appcare.support247@gmail.com.

These Terms of Use ("Terms") apply to your use of the Bill Reminder & Tracker app for iPhone ("Bill Reminder", "the app"), developed by S M Moinur Rahman ("we", "us"). By downloading or using the app, you agree to these Terms. If you do not agree, please do not use the app.

1. License

We grant you a personal, non-transferable, non-exclusive license to use the app on Apple devices that you own or control, as permitted by the App Store Terms of Service. Apple's Licensed Application End User License Agreement (EULA) also applies to your use of the app.

2. What the app does

The app helps you organize bills, due dates, reminders, payments, subscriptions, and spending. Its features include reminders, recurring bills, partial and minimum payments, credit card tracking, autopay status, late fee and grace period warnings, payment links, a Paycheck Planner, split bills, a calendar, forecasts, insights, reports, bill scanning, widgets, Siri shortcuts, optional iCloud Sync, App Lock, and backup and restore.

3. Not a payment or financial service

• The app does not make, schedule, or process any payment. "Mark Paid", "Pay Minimum", and the Autopay setting only update the status shown in the app. Autopay in the app does not set up autopay with your biller or bank.
• "Pay Now" only opens a website link that you added. Any payment you make there is between you and that website.
• The app does not provide financial, banking, tax, credit, or legal advice.

4. Estimates and your responsibility

Totals, forecasts, set-aside amounts, estimated amounts for variable bills, credit utilization, amounts read by bill scanning, paycheck plans, money left after bills, split amounts, subscription costs, late fee warnings, grace periods, carried-over balances, and reports are calculated only from the information you enter. They are estimates for planning and may not match your actual statements. You are responsible for:

• Entering correct bill amounts, due dates, fees, and settings
• Checking amounts and due dates with your biller, card issuer, or bank
• Making your actual payments on time
• Canceling subscriptions or free trials with the provider if you do not want to be charged

5. Reminders

Reminders depend on your notification permission, device settings, Focus modes, battery settings, date and time settings, and iOS behavior. We do our best, but we cannot guarantee that every reminder will be delivered or delivered at an exact time. Please do not rely on the app as your only way to remember a payment.

6. Your data and backups

Your data is stored on your device (and in your own iCloud account if you turn on iCloud Sync), and we cannot access or recover it. If your device is lost, reset, or the app is deleted, your data may be lost unless you have a backup. You are responsible for creating backups using the app's Backup & Restore feature or your device backups. Backup files and exports are under your control once created. See our Privacy Policy for details.

7. App Lock

App Lock uses Face ID, Touch ID, or your device passcode through iOS. If you cannot unlock your device, you may not be able to open the app. We cannot bypass App Lock or recover your data for you.

8. Third-party websites and services

Payment links and shared files may open third-party websites or services that we do not control. Your use of them is governed by their own terms and privacy policies.

9. Acceptable use

Use the app only for lawful, personal purposes. Do not copy, modify, reverse engineer, resell, or misuse the app, or attempt to interfere with its operation.

10. Changes and updates

We may update, change, or remove features from time to time to improve the app. We may also update these Terms; the new version will be posted on this page with a new effective date. Continuing to use the app after a change means you accept the updated Terms.

11. Disclaimer of warranties

The app is provided "as is" and "as available", without warranties of any kind, to the fullest extent permitted by law. We do not guarantee that the app will be error-free, uninterrupted, or that calculations, reminders, or reports will always be accurate.

12. Limitation of liability

To the fullest extent permitted by law, we are not liable for any indirect, incidental, or consequential damages, or for any late fees, interest, penalties, missed payments, service interruptions, credit impacts, or data loss arising from your use of, or inability to use, the app. Some jurisdictions do not allow certain limitations, so some of these may not apply to you.

13. Termination

You may stop using the app at any time by deleting it from your device. Your license ends automatically if you do not follow these Terms.

14. Contact us

Questions about these Terms? Contact us at appcare.support247@gmail.com.