Billy

Privacy Policy

Last updated: October 1, 2025

1. Introduction

Everlo, MB ("Billy," "we," "us," or "our") respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our accounting and financial management platform, including our mobile and web applications, website, and related services (collectively, the "Services").

Please read this Privacy Policy carefully. By using our Services, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our Services.

2. Information We Collect

We collect several types of information from and about users of our Services:

2.1 Information You Provide to Us

  • Account Information: Name, email address, phone number, business name, and password when you register for an account
  • Profile Information: Business details, tax identification numbers, billing address, and other business-related information
  • Financial Data: Bank account information, transaction data, invoices, receipts, expenses, and other financial records you upload or create
  • Payment Information: Credit card details and billing information processed through our payment processors
  • Communications: Messages, feedback, and other communications you send to us

2.2 Information Collected Automatically

  • Usage Data: Information about how you access and use the Services, including pages viewed, features used, and actions taken
  • Device Information: IP address, browser type, operating system, device identifiers, and mobile network information
  • Location Data: General location information based on your IP address
  • Cookies and Tracking: Data collected through cookies, web beacons, and similar technologies

2.3 Information from Third Parties

  • Bank Integrations: Transaction data and account information from connected bank accounts
  • Payment Providers: Information from Stripe, PayPal, and other payment processors
  • Authentication Services: Information from third-party authentication providers if you choose to sign in through them

3. How We Use Your Information

We use the information we collect for the following purposes:

  • Provide and Maintain Services: To operate, maintain, and improve our Services
  • Process Transactions: To process your subscription payments and financial transactions
  • Account Management: To create and manage your account and provide customer support
  • Financial Management: To provide accounting features such as invoicing, expense tracking, and financial reporting
  • Communication: To send you service-related notices, updates, security alerts, and administrative messages
  • Analytics and Improvements: To analyze usage patterns and improve our Services
  • Security: To detect, prevent, and address technical issues, fraud, and security threats
  • Legal Compliance: To comply with legal obligations and protect our rights
  • Marketing: With your consent, to send you promotional communications about new features and offers

4. Information Sharing and Disclosure

We do not sell your personal information. We may share your information in the following circumstances:

  • With Your Consent: When you explicitly authorize us to share specific information
  • Service Providers: With third-party vendors who perform services on our behalf (e.g., hosting, analytics, payment processing)
  • Business Transfers: In connection with a merger, acquisition, or sale of all or a portion of our assets
  • Legal Requirements: To comply with legal obligations, court orders, or government requests
  • Protection of Rights: To protect the rights, property, and safety of Billy, our users, or others
  • Accountant Access: With accountants or team members you explicitly grant access to within the Services
  • Aggregated Data: Anonymized and aggregated data that does not identify you personally

5. Data Storage and Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

  • • Encryption of data in transit and at rest
  • • Regular security assessments and updates
  • • Access controls and authentication requirements
  • • Secure data centers with physical security measures
  • • Regular backups and disaster recovery procedures

While we strive to protect your personal information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.

We retain your information for as long as your account is active or as needed to provide you Services, comply with legal obligations, resolve disputes, and enforce our agreements.

6. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information:

  • Access: Request access to the personal information we hold about you
  • Correction: Request correction of inaccurate or incomplete information
  • Deletion: Request deletion of your personal information
  • Data Portability: Request a copy of your data in a structured, commonly used format
  • Objection: Object to our processing of your personal information
  • Restrict Processing: Request restriction of processing of your personal information
  • Withdraw Consent: Withdraw consent where we rely on consent to process your information

To exercise these rights, please contact us at info@joinbilly.com. You can also manage certain information directly through your account settings, including exporting and deleting your data.

You may opt out of marketing communications by following the unsubscribe link in our emails or by contacting us directly.

7. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our Services and hold certain information. Cookies are files with small amounts of data that may include an anonymous unique identifier.

We use the following types of cookies:

  • Essential Cookies: Required for the Services to function properly
  • Analytics Cookies: Help us understand how visitors interact with our Services
  • Preference Cookies: Remember your settings and preferences
  • Marketing Cookies: Track your visits across websites to display relevant advertisements

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Services.

8. Third-Party Services

Our Services integrate with various third-party services, including:

  • • Banks and financial institutions for transaction data
  • • Payment processors (Stripe, PayPal) for payment processing
  • • Cloud storage and hosting providers
  • • Analytics and monitoring services

These third-party services have their own privacy policies addressing how they use your information. We encourage you to read their privacy policies before using these integrations.

We are not responsible for the privacy practices of third-party services.

9. International Data Transfers

Your information may be transferred to and maintained on computers located outside of your state, province, country, or other governmental jurisdiction where data protection laws may differ from those in your jurisdiction.

We are based in Lithuania and process data in the European Union. If you are accessing our Services from outside the EU, please be aware that your information may be transferred to, stored, and processed in the EU.

By using our Services, you consent to the transfer of your information to the EU and other countries where we operate. We take appropriate safeguards to ensure your information receives adequate protection.

10. Children's Privacy

Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us.

If we become aware that we have collected personal information from children without verification of parental consent, we will take steps to remove that information from our servers.

11. Data Protection Officer

We have appointed a Data Protection Officer (DPO) to oversee our compliance with data protection laws. If you have questions about this Privacy Policy or our data practices, you may contact our DPO at info@joinbilly.com.

12. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date at the top.

For material changes, we will provide more prominent notice, including email notification or a notice through the Services. We encourage you to review this Privacy Policy periodically for any changes.

Your continued use of the Services after any modifications to the Privacy Policy will constitute your acknowledgment of the modifications and consent to abide by the modified Privacy Policy.

13. Contact Information

If you have any questions about this Privacy Policy or our data practices, please contact us at:

Everlo, MB

Kalvarijų g. 125, LT-08221 Vilnius, Lithuania

Email: info@joinbilly.com