Privacy
2 August 2026
Billy keeps score for groups of friends. This page says what that requires from your data, in plain words, because a ledger app you cannot trust with a number is not worth installing.
What Billy stores
- Your account: the identifier Apple gives us when you sign in, and the name you choose to show your friends. Apple can hide your email from us, and that is fine by us.
- Your circles: names, members, expenses, balances and settlements, exactly as you and your group typed them. That is the product.
- Guest links: when you invite somebody, we mint a private link scoped to that one person. It expires, it can be revoked, and it shows only their own seat in the circle.
What Billy does not do
- No advertising, no trackers, no analytics brokers, no selling data. Ever.
- No reading your contacts, photos, or location.
- No moving money. Settling hands you to the payment app you already use; Billy never sees the transfer.
- Everything works on your phone without an account. An account exists only so a circle can live on more than one phone.
Where it lives
Your data lives on your device, and, once you sign in, on our database (hosted on Supabase) so your circles can sync. Row-level security means each account reaches only the circles it belongs to.
Reminders
If a friend starts a settlement campaign, Billy writes the reminder texts. They are sent person to person, never in a group, at most twice a week, and every one carries a link to the ledger behind the number. You can tell Billy to stop from any reminder page, and it stops.
Deleting
You can delete your account from inside the app (Account, then Delete account). That removes your account and signs your seat out of every circle; the group's shared expenses stay with the group, because the ledger belongs to everyone in it. To also remove expenses you created, delete them before deleting the account.
Questions
Write to hola@billythesplit.com.