Quick Summary

FairBill helps you manage utility bills and avoid penalty fees. To do this, we need to collect and use your personal information. This privacy policy explains how we handle your data in plain language.

Our Services are intended for users who are 18 years of age or older. We do not knowingly collect personal information from anyone under 18.

1. What Information We Collect

1.1. Information You Give Us

• Account details: Name, email, phone number, address

• Email access: With your permission, we connect to your Google or Microsoft Outlook email (using secure OAuth) for account creation, login and account access. We also use email access to scan for bills from your utility providers for important account notifications. We never store your email password

• Utility accounts: Account numbers, login credentials, and billing information for your utility and home service providers

• Payment information: Bank account or credit/debit card details for your monthly membership

• Identity verification: Documents like government-issued ID or utility bills to verify who you are

1.2. Information We Collect Automatically

• Device and usage data: IP address, browser type, pages you visit, and how you use our website

• Cookies and tracking: We use cookies, Google Analytics, and advertising pixels (Meta, Google Ads) to improve our site and show you relevant ads

1.3. Information From Others

• Your utility providers: Bills, account history, and usage data

• Financial institutions: Through Plaid, we access your bank account to verify payments and process transactions

• Email providers: Through OAuth, we scan your Google or Microsoft email for utility bills and notifications

2. How We Use Your Information

We use your information to:

• Provide our services: Manage your account, connect to utility providers, review bills, contest penalty fees, and process reimbursements

• Improve our platform: Analyze how our services work and make them better

• Communicate with you: Send account updates, customer support responses, and marketing (you can opt out of marketing anytime)

• Prevent fraud: Verify your identity and keep your account secure

• Comply with laws: Meet legal requirements and respond to legal requests

3. Who We Share Your Information With

We share your information with:

Service Providers Who Help Us:

• Google and Microsoft (email access via OAuth)

• Plaid (financial account connections)

• Authorize.net and Veem (payment processing)

• Amazon Web Services (secure data storage)

• Google Analytics and advertising partners like Meta and Google Ads

Your Utility Providers: We share information with your utility and home service companies so we can manage your accounts and contest fees on your behalf.

Related Companies: Companies owned by Waterwood Capital Group may receive your information for business operations and marketing.

Legal Requirements: We may share your information to comply with laws, court orders, or to protect our rights and safety.

We never sell your personal information for money. However, sharing data with advertising partners for targeted ads may be considered a "sale" under California law. You can opt out (see Your Rights below).

4. Your Privacy Rights

Everyone Has These Rights:

• Access: See what information we have about you

• Correction: Fix inaccurate information in your account

• Deletion: Request that we delete your information (we keep data permanently unless you ask us to delete it)

• Opt out of marketing: Unsubscribe from promotional emails anytime

California Residents Have Additional Rights:

• Know what we collect: Request a detailed list of your information and how we use it

• Delete your data: Request deletion of your personal information

• Opt out of "sale": Stop us from sharing your data with advertising partners

• Limit sensitive data use: Restrict how we use sensitive information like financial details

• Non-discrimination: We won't treat you differently for exercising these rights

To exercise your rights: Email support@fairbillsolutions.com or write to us at 5340 Alpha Rd, Dallas, TX 75240. Include "Privacy Request" in your subject line.

Opt out of targeted advertising: Email us with "Do Not Sell My Information" in the subject line, or adjust your browser settings to block third-party cookies.

5. Cookies and Tracking

We use cookies and similar technologies to:

• Keep you logged in and remember your preferences

• Understand how people use our website (via Google Analytics)

• Show you relevant ads (via Meta, Google Ads, and other platforms)

You control cookies: Most browsers let you block or delete cookies. Note that blocking cookies may affect how our website works.

6. Data Security

We take security seriously:

• Encryption: We use SSL technology to protect data sent over the internet

• Secure storage: Your information is stored on protected servers with restricted access

• Employee training: Our team is trained on privacy practices and can't misuse your data

Your responsibility: Keep your login credentials safe and don't share your account access with anyone.

No system is 100% secure, but we work hard to protect your information.

7. How Long We Keep Your Data

• Active accounts: We keep your information as long as your account is active

• After cancellation: We keep your information in a non-archived state for a period of 45-60 days in the event you need to access your account or want to reinstate it. Basic Account details are retained permanently for partner auditing purposes

• Financial records: Transaction data, utility bills, and communications are retained permanently unless you request deletion

You can request deletion of your information at any time by contacting us.

8. Changes to This Policy

We may update this privacy policy occasionally. When we do:

• We'll update the date at the top

• We'll notify you by email or website notice if changes are significant

• Your continued use means you accept the changes

Check back periodically to stay informed.

9. Contact Us

Questions or requests? Reach out to us:

FairBill Solutions, LLC
5340 Alpha Rd
Dallas, TX 75240
Email: support@fairbillsolutions.com
Website: www.fairbillsolutions.com

For privacy-related requests, include "Privacy Request" or "California Privacy Request" in your subject line.

Important Links

• Full Privacy Policy - Complete legal details

• Terms of Service - Rules for using our services

• Do Not Sell My Information - California residents opt-out

By using FairBill, you agree to this Privacy Policy.

This Privacy Policy is effective as of the "Last Updated" date above and applies to all information collected by FairBill Solutions, LLC.