Privacy Policy

Last updated: March 9, 2026

1. Overview

BillGuard AI ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, and protect your personal information when you use our Service.

We understand that medical billing information is sensitive. We treat your data with the highest level of care and never sell your personal information to third parties.

2. Information We Collect

Account Information: When you create an account, we collect your email address and password (encrypted).

Uploaded Bills: When you upload a medical bill, we temporarily process the bill image or PDF to extract billing information. This may include your name, provider names, dates of service, diagnosis codes, procedure codes, and charge amounts.

Generated Content: Dispute letters and analysis reports generated by our AI based on your bill data.

Payment Information: Payment processing is handled entirely by Stripe. We do not store your credit card number, bank account details, or other financial information on our servers.

Usage Data: We collect anonymous usage data such as pages visited, features used, and scan completion rates to improve the Service.

3. How We Use Your Information

We use your information to:

  • Provide the bill scanning and analysis service
  • Generate personalized dispute letters and reports
  • Process payments through Stripe
  • Maintain your bill history and dashboard
  • Improve the accuracy and quality of our AI analysis
  • Communicate with you about your account or the Service

4. Data Storage and Security

Your data is stored securely using Supabase (built on PostgreSQL) with Row Level Security (RLS) enabled, meaning only you can access your own data. All data is encrypted in transit (TLS/SSL) and at rest.

Uploaded bill files are stored in a private, encrypted storage bucket. Access is restricted to authenticated users viewing their own files only.

5. AI Processing

Your bill data is sent to Anthropic's Claude AI API for analysis. Anthropic processes this data according to their API terms and does not use API inputs to train their models. We send only the minimum data necessary for analysis.

6. Data Sharing

We do not sell your personal information. We share data only with:

  • Anthropic (Claude AI): Bill data for AI analysis, governed by their API data policies
  • Stripe: Payment processing only — we never see your full card number
  • Supabase: Secure database hosting
  • Vercel: Application hosting

We may disclose information if required by law, court order, or government request.

7. Your Rights

You have the right to:

  • Access your personal data stored in our system
  • Delete your account and all associated data
  • Export your bill analysis history
  • Opt out of non-essential communications

To exercise any of these rights, contact us at support@billguard.ai.

8. HIPAA Notice

BillGuard AI is an informational tool and is not a covered entity under HIPAA. However, we take the security of health-related information seriously and implement industry-standard security measures to protect your data. We minimize the storage of Protected Health Information (PHI) and encourage users not to upload documents containing more information than necessary for bill analysis.

9. Data Retention

We retain your bill data and analysis results for as long as your account is active, so you can reference past scans. If you delete your account, all associated data will be permanently removed within 30 days.

10. Cookies

We use essential cookies for authentication and session management. We may use analytics cookies to understand how the Service is used. You can control cookies through your browser settings.

11. Children's Privacy

The Service is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children.

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on the Service. Your continued use after changes constitutes acceptance.

13. Contact Us

For privacy-related questions or requests, contact us at support@billguard.ai.