CoBills ("we," "our," or "the App") is a mobile application that helps households split bills, track expenses, and manage shared finances. Your privacy matters to us. This Privacy Policy explains what information we collect, how we use it, who can see it, and your choices.
1. Information We Collect
Account Information: Your email address and the name you give us. If you sign up with an email and password, your password is handled by our sign-in provider and is never visible to us. If you sign in with Apple or Google, we receive the email address and name that you allow them to share (with Apple, this can be a private relay address).
Household Data: If you create or join a household, we store the household name, its members' display names and roles, and invite codes.
Financial Data: The bills you and your household add (title, amount, category, date, due date, and payment status), how each bill is split and who has paid, the income each member enters for each month, and any spending budgets you set.
Purchases Added from Apple Pay (optional): If you install the CoBills shortcut, each Apple Pay purchase it passes to the App sends the merchant name and amount, which the App turns into a bill. Card numbers and other payment details never reach CoBills.
Profile Photo (optional): A photo you choose to upload for your profile.
Usage and Diagnostic Information: Which screens you open and which actions you take (for example, adding or editing a bill; amounts are recorded only as rough ranges), crash reports and error reports, your device model, operating system and app version, and an approximate location (city or country) that our analytics provider derives from your IP address.
Notification Information: If you allow notifications, a push token for your device and your notification settings.
Preferences: Your language, theme, and time zone are saved on your phone only.
2. How We Use Your Information
We use the information we collect to:
- Provide and maintain the App's core features — bill splitting, debt tracking, budgets, and household management
- Calculate split ratios from income when your household chooses to split that way
- Display monthly spending statistics and history
- Authenticate your identity and secure your account, including sending sign-up codes and password-reset emails
- Send notifications you have allowed, such as when a household member adds a bill, pays a share, joins, or leaves. Bill reminders and the monthly recap are scheduled on your phone.
- Send product emails about getting started with CoBills (every one has an unsubscribe link)
- Understand how the App is used, and find and fix crashes and errors
We do not sell your personal information, use it for advertising, or track you across other companies' apps and websites.
3. Who Can See Your Information
Your Household: Members of your household can see your display name and profile photo, the bills in the household and how each is split, who has paid, any budgets, and the income each member enters for the month, together with the resulting split percentages.
Profile Photos: Your photo is stored at a web address that is not listed or published anywhere, but anyone who has that address can open it.
Service Providers: We share information with these companies only so they can operate parts of the App for us:
- Supabase — database, sign-in, profile photo storage, and server functions
- PostHog — usage analytics and crash and error reports. It receives your account ID, email address, and name, along with the usage and diagnostic information described above.
- Loops — product emails. It receives your email address, account ID, first name, and how you signed up.
- Resend — delivers account emails, such as sign-up codes and password resets
- Expo — delivers push notifications (it receives your device's push token and the notification text) and App updates
- Apple and Google — when you sign in with them, and Apple to deliver notifications to your iPhone
We may also share information if required by law, legal process, or a governmental request, or to protect our rights, privacy, safety, or property.
4. Data Storage and Security
Your data is stored with Supabase in a database protected by row-level security policies, so each account can reach only its own household's data. Information travels over encrypted connections (HTTPS/TLS). Our service providers may process information in the United States and other countries where they operate.
On Your Phone: Your sign-in is kept in encrypted secure storage (Expo SecureStore). The App also keeps a copy of your recent household data — bills, incomes, budgets, household details, and your profile — so it can open and show your data without an internet connection. This copy is stored in the App's private storage, which other apps cannot read, and may be included in your phone's backups. It is deleted when you sign out or leave your household.
5. Data Retention and Deletion
We retain your data for as long as your account is active. You can delete your account at any time from the Profile screen in the App. When you delete your account:
- Your profile, sign-in, income entries, notification settings, and push tokens are permanently removed
- Bills you created are deleted, including bills shared with other members of your household
- Your shares on bills other members created are removed, and your household membership ends
- If you are the last member of a household, the household and everything in it are deleted. Otherwise, the household passes to the longest-standing remaining member.
Your profile photo, the analytics and error data held by PostHog, and your contact in Loops are not yet removed automatically. Email us at support@cobills.app and we will delete them. You can also unsubscribe from product emails at any time using the link in any email.
6. Your Choices
- Access and Update: You can view and update your personal information in the Personal Info section of the App
- Export: You can export your bills from the Export Data screen in Profile
- Delete: You can delete your account at any time from Profile
- Notifications: You can turn each kind of notification on or off in the App's notification settings, or turn all of them off in your iPhone's Settings
- Emails: You can unsubscribe from product emails using the link in any email. Account emails, such as password resets, are sent only when you request them.
- Optional Features: A profile photo and the Apple Pay shortcut are optional. You can remove your photo or delete the shortcut at any time.
- Language: You can change the App language (English, Spanish, French) at any time
7. Children's Privacy
CoBills is not directed at children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe we have collected such information, please contact us so we can promptly delete it.
8. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of material changes by updating the "Effective Date" at the top of this page. Your continued use of the App after changes constitutes acceptance of the updated policy.
9. Contact Us
If you have questions about this Privacy Policy or your data, or want any of your data deleted, please contact us at:
Email: support@cobills.app