Your Money. Your Privacy.

1. Introduction

Welcome to AfterMyBills ("we", "us", or "our"). We believe managing money should feel empowering, stress-free, and above all, private. This Privacy Policy describes how we collect, store, protect, and handle your information when you access our website (aftermybills.com) and our web application (app.aftermybills.com).

By accessing or using AfterMyBills, you agree to the privacy practices outlined in this policy. If you have any questions, you can reach out directly to our team anytime.

2. How Your Data Is Stored

You enter your own balances and bills. You don’t need to connect your bank account. Here’s how we handle that information:

• Online storage: Supabase stores the balances, accounts, bills, paydays, and debt plans you enter. Account access rules help keep your financial records separate from other users’ records.
• Internet access: You can use AfterMyBills in your browser or add it to your phone’s home screen. You need an internet connection to open the app and save or view your information.
• No bank login needed: You enter and update your numbers yourself. We don’t ask for your bank username or password or access to your bank accounts.
• No selling your data: We will never sell, rent, license, or trade your financial habits, balances, or data to marketers, banks, lenders, or data brokers.

3. Information We Collect

We collect the absolute minimum information needed to operate a fast, secure, and reliable service:

• Sign-in information: Supabase manages your email address and sign-in details. Passwords are protected using hashing, which stores a protected representation rather than the original password.
• Information you enter: Your accounts, bill amounts, due dates, paychecks, and notes help us estimate your upcoming balances and Safe to Spend amount. This information is linked to your account.
• Technical information: Our hosting provider, Cloudflare, logs information such as your IP address, browser, and operating system to help protect the service from attacks.
• Performance information: We may measure things like page loading times and error rates to fix problems. These measurements are combined and anonymized, and aren’t linked to your financial balances.

4. Storage, Caching & Cookies

We do not believe in invasive surveillance:

• Sign-in and preferences: We use browser storage to keep you signed in and remember settings such as light or dark mode and your check-in streak.
• No Cross-Site Ad Trackers: We do not load Facebook pixels, invasive advertising trackers, or third-party behavioral profiling scripts.

5. Service Providers

To deliver high performance and global availability, we rely on trusted infrastructure providers bound by strict confidentiality and data protection standards:

• Data storage and sign-in (Supabase): Supabase provides the database and sign-in service. Account access rules help keep users’ financial records separate.
• Website hosting (Cloudflare): Cloudflare hosts our website and app, helps pages load, encrypts connections, and helps protect against attacks.
• Account emails: Email services deliver messages such as account verification emails. We don’t send marketing newsletters.

6. Your Rights & Total Data Ownership

You own your data completely. At any time, you can exercise the following options directly within the app:

• Download a copy: Export your accounts, bills, debt plans, and past balance updates from Settings. The download is a JSON file, a format used for data backups.
• Erase financial data: “Erase All Data” removes your financial records from the app’s active database after it succeeds. It doesn’t delete your sign-in account or immediately remove existing backups. We keep a small record of the change to stop older copies on other devices from restoring the erased information.
• Global Compliance (GDPR & CCPA/CPRA): You have full rights under applicable data protection laws to access, export, correct, or request the deletion of all personal and financial data stored in your account.

7. Security Safeguards

We adhere to modern web security best practices:

• Connections to the website and app use HTTPS to encrypt information while it travels between your browser and our servers.
• Website security rules restrict which scripts and other resources can load, helping protect against unwanted code.
• Browser protections help keep the app’s information separate from other websites.

8. Contact Us

Have a question, feedback, or suggestion about our privacy practices? We'd love to hear from you:

Email: [email protected]
General Support: [email protected]
Official Website: aftermybills.com