Privacy Policy

Effective Date: January 23, 2026

Bill Monitor App (“we,” “our,” or “us”) respects your right to privacy and is committed to protecting the personal data you share with us. This Privacy Policy explains how we collect, use, store, disclose, and protect personal information in compliance with the Data Privacy Act of 2012 (Republic Act No. 10173), its Implementing Rules and Regulations, and issuances of the National Privacy Commission (NPC).

By accessing or using the Bill Monitor App website and platform (the “Service”), you consent to the collection and use of your information as described in this Privacy Policy.

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1. Personal Data We Collect

We collect personal data that is necessary for the operation of the Service.

a. Personal Data You Provide

This may include:

• Full name
• Business or company name
• Email address
• Contact details
• Account credentials
• Invoice, receivables, and payment-related data you input
• Communications with us (support requests, inquiries, feedback)

b. Automatically Collected Data

When you use the Service, we may automatically collect:

• IP address
• Device and browser information
• Log data and usage activity
• Cookies and similar technologies

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2. Purpose of Collection and Processing

We collect and process personal data for legitimate business purposes, including to:

• Create and manage user accounts
• Track, monitor, and display invoice and receivables data
• Communicate with users regarding the Service
• Improve platform functionality and performance
• Ensure system security and prevent fraud
• Comply with legal and regulatory obligations

Personal data is processed only for declared, specified, and legitimate purposes, and retained only for as long as necessary.

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3. Legal Basis for Processing

We process personal data based on one or more of the following lawful criteria under Philippine law:

• Consent of the data subject
• Fulfillment of a contract with the user
• Compliance with legal obligations
• Legitimate interests pursued by Bill Monitor App, provided such interests do not override your fundamental rights and freedoms

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4. Data Sharing and Disclosure

We do not sell personal data.

We may share personal data only under the following circumstances:

• Authorized Service Providers: Third parties who assist in operating the Service (e.g., cloud hosting, analytics, customer support), bound by confidentiality and data protection obligations.
• Legal and Regulatory Requirements: When disclosure is required by law, court order, or government regulation.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, subject to continued data protection.

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5. Data Security Measures

We implement reasonable and appropriate organizational, physical, and technical security measures to protect personal data against unauthorized access, loss, misuse, alteration, or disclosure.

These measures include access controls, secure servers, and data handling procedures consistent with industry standards.

Despite these safeguards, no method of transmission or storage is completely secure.

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6. Data Retention

We retain personal data only for as long as necessary to:

• Fulfill the purposes for which it was collected
• Comply with legal, regulatory, and accounting requirements
• Resolve disputes and enforce agreements

Users may request deletion of their data, subject to lawful retention obligations.

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7. Data Subject Rights

In accordance with the Data Privacy Act, you have the right to:

• Be informed about how your personal data is processed
• Access your personal data
• Object to processing under certain circumstances
• Request correction or rectification of inaccurate data
• Request erasure or blocking of data

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8. Cookies and Tracking Technologies

Bill Monitor App uses cookies and similar technologies to:

• Enable essential platform functions
• Analyze usage patterns
• Improve user experience

You may disable cookies via your browser settings, but some features may not function properly.

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9. Third-Party Websites

The Service may contain links to third-party websites or services. Bill Monitor App is not responsible for the privacy practices or content of these third parties.

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10. Children’s Information

The Service is not intended for individuals under eighteen (18) years of age. We do not knowingly collect personal data from minors.

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11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Updates will be posted on this page with a revised effective date. Continued use of the Service constitutes acceptance of the updated policy.