Privacy Policy
Last updated: February 18, 2026
1. Introduction
BilzCal (“we,” “our,” or “us”) operates the website at www.bilzcal.com. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our calendar-based bill and money management service.
2. Information We Collect
Account Information
When you create an account, we collect your name, email address, and password.
Financial Data
To provide our budgeting and bill tracking features, we may collect:
- Bank account balances and transaction history (via Plaid, our bank sync partner)
- Bill amounts, due dates, and payee information you enter
- Income and expense categories you create or customize
Usage Data
We automatically collect information about how you interact with our service, including browser type, device information, IP address, and pages visited.
3. How We Use Your Information
We use the information we collect to:
- Provide, maintain, and improve our service
- Display your bills, income, and account balances on your calendar
- Sync your bank account data to provide accurate balance projections
- Process payments and manage your subscription
- Send transactional emails (account verification, password resets, billing notifications)
- Respond to support requests
4. Bank Account Data — Plaid
We use Plaid Inc. to connect your bank accounts and retrieve financial data. When you link a bank account through Plaid:
- Your bank credentials are handled exclusively by Plaid and are never stored on our servers
- Plaid accesses your account balances and transaction history on our behalf
- We receive and store account balances and transaction data to display on your calendar
- You may disconnect any linked account at any time from your account settings
By using BilzCal's bank sync feature, you acknowledge and agree to Plaid's End User Privacy Policy. Plaid's collection and use of your data is governed by their own privacy policy, not ours. For more information, visit plaid.com/legal.
5. Other Third-Party Services
- Stripe — Processes subscription payments. We do not store your credit card information; Stripe handles all payment data under the Stripe Privacy Policy.
- SendGrid — Delivers transactional emails (verification, password resets) on our behalf.
6. Cookies
We use essential cookies required to keep you signed in and maintain your session. We do not use advertising or tracking cookies.
7. Data Security
We implement industry-standard security measures to protect your data, including:
- Encrypted connections (HTTPS/TLS) for all data in transit
- Hashed and salted passwords
- Bank credentials handled exclusively by Plaid (never stored on our servers)
- Access controls limiting data access to authorized personnel with a business need
- Regular security reviews and vulnerability patching
8. Data Retention
We retain your account and financial data for as long as your account is active. If you delete your account, we will remove your personal data within 30 days, except where we are required by law to retain it.
9. Your Rights
You have the right to:
- Access the personal data we hold about you
- Request correction of inaccurate data
- Request deletion of your account and associated data
- Export your transaction data
- Disconnect linked bank accounts at any time
10. Children's Privacy
BilzCal is not intended for use by anyone under the age of 18. We do not knowingly collect personal information from children.
11. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of significant changes by posting a notice on our website or sending you an email. Your continued use of the Service after changes constitutes acceptance of the updated policy.
12. Contact Us
If you have questions about this Privacy Policy or your data, please contact us at support@bilzcal.com.