Bill NudgePrivacy Policy
1. Who we are
Bill Nudge is a bill reminder and tracking app, operated from India. For the Digital Personal Data Protection Act, 2023 (“DPDP Act”), Bill Nudge is the Data Fiduciary: we decide why and how your personal data is processed. You can reach us at privacy@billnudge.co.
2. What we collect
| Data | What it is | Why we need it |
|---|---|---|
| Account | Email address, your name if you give it, confirmation that you are 18 or older. If you use “Continue with Google”, the name and email Google shares. Your email is kept only in our sign-in system, separate from your bills. | To create and secure your account and sign you in |
| Age group (optional) | An age range you choose in the welcome questions, such as 25–34. Never your date of birth. | For anonymous insights (section 4) |
| Bills and loans | Name, category, amount, due date, how often it repeats, notes; for loans, details you type such as interest rate and end date | To remind you before each bill is due and to show your totals and reports |
| Payments you mark | Date, amount, and how you paid (cash, UPI, or a card by the name you give it) | To track what is paid and work out late fees avoided |
| Personal dues | Name of the person, amount, who owes whom | To remind you about money lent or borrowed |
| Text you send for reading | A bill message you paste, or the text of a bill you speak (speech becomes text on your phone) | To fill in the bill form for you |
| Money Coach questions | Your question, plus a summary of your bills and loans | To answer your question with your own numbers (Premium) |
| App settings and activity | Reminder preferences, badges, plan, usage counts (for example, Money Coach answers used this month), referral code used | To run reminders, Premium, badges and referrals, and to apply fair-use limits |
| Feedback | Messages you send through the app | To answer you and fix problems |
| Device | Push notification token; crash reports with device model and app version | To deliver reminders and fix crashes |
3. What we never collect
- No bank access. No net-banking login, no OTP, no full card number, no account linking. Bill Nudge cannot move money.
- No voice recordings. “Say it” turns speech into text on your phone. No audio is recorded, stored or sent.
- No reading your messages. Bill Nudge has no permission to read your SMS inbox. It only sees a message you choose to paste.
- No contacts, location or photos, and no advertising IDs or ad networks.
4. Anonymous insights
Your reports in the app are worked out from your own data, for you.
Separately, we combine data across many users into anonymous totals and averages, for example “the average credit-card bill in India”, “the average insurance premium for people aged 25–34”, or “share of users with an HDFC card”. We use these insights to improve Bill Nudge, and we may share or sell them to other companies, such as banks, insurers and researchers.
- Insights never include your name, email, or any detail that identifies you, and never your individual bills.
- Every figure combines at least 50 people, so no one can be picked out of a small group.
- Anyone who receives insights must agree in writing not to try to identify individuals.
Because these insights are anonymous, they are not personal data. You can still ask us not to include your data in them: write to privacy@billnudge.co.
5. Consent
We process your personal data with your consent, which you give when you create an account and when you choose to use a feature such as Money Coach or “Say it”. You can withdraw consent at any time by stopping a feature, turning off notifications, or deleting your account. Withdrawing is as easy as giving consent, and does not affect processing already done. If you withdraw consent for data a feature needs, that feature stops working.
6. Who we share it with
OpenAI. When you use Money Coach, or ask Bill Nudge to read a pasted or spoken bill, that text (and for Money Coach, a summary of your bills and loans) is sent to OpenAI, L.L.C. in the United States to produce the answer. Under OpenAI's API terms, this data is not used to train its models and is kept by OpenAI for no more than 30 days for abuse monitoring. Your name and email are never sent.
Other service providers. We use a small number of providers to run the app: a cloud database and sign-in service, an email service, a push notification service and a subscription service. Each works only on our instructions and under contract, receives only what it needs (the subscription service, for example, receives an account ID and never your bills), and may not use your data for its own purposes.
Google. If you choose “Continue with Google”, Google handles that sign-in. Premium is bought through Google Play, which handles your payment; we never see your card details.
We never sell your personal data. Apart from the providers above and anonymous insights (section 4), we share it with no one, except where Indian law requires it.
7. Transfers outside India
Your account and bills are stored in India. Text sent to OpenAI, your email address for sign-up emails, and your push token are processed outside India, including in the United States. Transfers are made under contracts that protect your data, and only to countries not restricted by the Government of India under the DPDP Act.
8. How long we keep it
| Data | Kept |
|---|---|
| Account, bills, payments, dues, settings | Until you delete them or your account |
| Text sent for reading, Money Coach questions and answers | Not stored on our servers. OpenAI keeps it for up to 30 days, then deletes it. |
| Usage counts | Until your account is deleted |
| Crash reports | Up to 90 days |
| Push token | Until you sign out or delete your account |
| Purchase records | Held by Google Play, as its policy and Indian tax law require |
When you delete your account, your data is deleted from our systems immediately. The only copy that can remain is inside encrypted system backups kept to recover the service after an outage. They cannot be read in the app, are never used for anything else, and are overwritten within 7 days. We never restore a deleted account from them.
9. Security
We follow reasonable security practices under the Information Technology Act, 2000. Data is encrypted in transit and at rest. Each person's data is locked to their own account at the database level, so one user cannot see another's. Staff access to systems is limited to what is needed to run the service and requires two-factor sign-in.
10. Your rights in India
Under the DPDP Act you have the right to:
- Access a summary of your personal data and the processing we do with it, and the identities of those we share it with.
- Correct, complete or update it. Most of it you can edit in the app directly.
- Erase it: Settings → Delete account, or see billnudge.co/delete-account.
- Withdraw consent (section 5).
- Nominate someone to exercise these rights for you if you die or become unable to.
- Grievance redressal through our Grievance Officer (section 11), and if you are not satisfied, a complaint to the Data Protection Board of India.
To use any right, email privacy@billnudge.co from your account's email address. On Premium you can also export your bills as a spreadsheet from the Reports tab; on any plan, we will send you a copy on request.
11. Grievance Officer — India
Grievance Officer, Bill Nudge · grievance@billnudge.co
We acknowledge every complaint within 48 hours and resolve it within 30 days.
12. Data breaches
If a breach affects your personal data, we will tell you without delay, and inform the Data Protection Board of India as the DPDP Act requires, explaining what happened, what data was involved, what we are doing, and what you can do.
13. Children
Bill Nudge is for people aged 18 and over. The app asks you to confirm your age, and deletes the account straight away if you say you are under 18. We do not knowingly process children's data. If you believe a child has an account, write to us and we will delete it.
14. Changes
If we change this policy in a way that matters, we will tell you in the app before the change takes effect. The date at the top shows the latest version.