PaidUp Bills — Privacy Policy

Effective date: November 9, 2026

App: PaidUp Bills (Android package com.paidup.bills) and the web app at https://paidupbills.com

Contact: epjoecreator@gmail.com

The short version

• Your bills stay on your device.
• No ads, no tracking pixels, no third-party analytics, and we don't sell or share your data.
• No account is needed. PaidUp never asks for card numbers.
• There's an optional practice (sandbox) bank link that's off by default and doesn't connect to real banks. It's described below.

What stays on your device

These are stored only on your phone (or in your browser, on the web) and aren't sent to us:

• The bills you add: names, amounts, how often they're due, due dates, categories, notes, biller links, confirmation numbers, payment history, amount changes, and payday settings.
• Your settings and reminder choices.
• Statements you read in the app. When you pick a PDF or take a photo of a paper statement, it's read on your device to find repeating bills. The file or photo isn't uploaded or saved by PaidUp. The camera is used only when you tap to read a statement or scan a code on a bill.
• Backups you export. A backup file goes where you choose to save or share it.

If you uninstall the app or clear its data, this information is deleted.

Calendar reminders

When you choose Set a repeating reminder or Add to calendar, PaidUp makes a standard calendar file (.ics) on your device and opens it in your calendar app. Your calendar app saves the event to the calendar or account you pick. PaidUp doesn't sign in to Google or any calendar account, doesn't use Google Calendar APIs, and doesn't read your calendar.

Notifications

If you turn on reminders, PaidUp schedules notifications on your device. They don't come from our servers.

Paying a bill

Pay opens your biller's own website or app, or a payment service you choose, in your browser or that app. PaidUp doesn't store card numbers, bank logins, or payment app credentials, and doesn't move money. The site or app you open has its own privacy policy. The in-app "Autopay" option only picks which path PaidUp opens when a bill is due. It doesn't save a card or bank login.

Optional practice bank link (sandbox)

PaidUp Bills includes an opt-in preview of bank linking. It's off unless you turn it on in Settings.

• It uses practice (sandbox) accounts with made-up balances and transactions, either from a built-in simulator or a bank-data provider's sandbox (Plaid Sandbox). It doesn't connect to your real bank, and you shouldn't enter real bank credentials.
• If you use it, the practice account names, balances and transactions are fetched to show spending groups, "left after bills", and suggested recurring bills. That data is kept only for the session, isn't included in backups, and is cleared from the device when you disconnect.
• The connection token stays on the sandbox server and is never stored in the app. Disconnecting revokes it.
• Suggested bills are added only if you confirm them.

If we ever offer real bank linking, we'll update this policy and ask for your consent in the app before anything is connected.

What leaves your device, and only when you choose

1. Feedback. If you send feedback, we receive the message, the type, which PaidUp app you used, the app version, an optional reply email, and an optional screenshot you attach. It's sent only when you tap Send.

2. Buying PaidUp Pro on Android. Purchases go through Google Play Billing. Google handles payment. PaidUp receives only the product (paidup_monthly or paidup_yearly) and purchase status needed to unlock Pro.

3. Buying PaidUp Pro on the web. Web purchases go through Stripe Checkout. Stripe handles payment details. PaidUp receives a checkout session reference and subscription status, along with any email address Stripe gives us for the purchase.

4. The practice bank link, only if you turn it on (see above).

What we don't do

• No advertising, ad IDs, tracking pixels or cross-app tracking.
• No selling or renting personal data, and no sharing it for advertising.
• No real-bank connections in this version.
• No location, contacts, or calendar read permissions.

Data retention and deletion

• A step-by-step deletion page is at paidupbills.com/delete-data.
• Data on your device: you control it. Delete items in the app, or uninstall or clear app data.
• Practice bank-link data: session-only, and cleared when you disconnect.
• Feedback: kept as long as needed to answer and fix issues. Email epjoecreator@gmail.com to ask us to delete it.
• Purchase records: Google Play or Stripe keeps them as the law requires. Cancel in Google Play > Payments & subscriptions, or through the Stripe customer portal on the web.

Children

PaidUp isn't directed to children under 13.

Security

App data is kept in the app's private storage on your device. Network requests use HTTPS.

Changes

If this policy changes, we'll update this page and the effective date.

Contact

epjoecreator@gmail.com · https://paidupbills.com