Terms & privacy

These terms are the agreement between you and Billshare, the app at billshare.ai. By using it you accept them. They are written to be read, and where a sentence here and a sentence elsewhere on the site disagree, this page is the one that counts.

Who we are

Billshare is run by Joakim Johansson, a sole trader in Sweden. You can reach us at joakim.j.b.johansson@gmail.com about anything on this page, including billing, refunds and deleting your data. We answer within a few working days. What we keep about you is in the privacy policy further down this page.

What Billshare does

Billshare works out who owes what when a bill or a trip is shared between people. It never moves money. It does not take payments between the people on a bill, it does not hold money for anybody and it is not a bank or a payment service. When it says somebody owes somebody else, paying that is between the two of them.

The figures are arithmetic on what was entered: the amounts, who had what, who paid, and the exchange rates, which you can see and correct. Check them before anybody pays. We are not a party to any debt between the people on a bill and are not responsible for whether it is paid.

Using it without an account

Splitting a single bill is free and needs no account. Every bill and trip has a share link, and anybody who has the link can see it and change it. Share it with the people it is about and nobody else. A bill opened without its link is read only.

Accounts

An account is an email address. You sign in with a code we send to it, so keeping that mailbox yours keeps the account yours. An account is free. You can ask us to delete it at any time by writing to the address above, and we will delete it and the bills and trips only you are on.

The subscription

Some things are paid for: starting more than one trip, and having more than three photographed receipts read. The subscription pays for both. People you invite to a trip you pay for get everything on it without paying and without an account, and receipts they photograph there count against your subscription.

• Price. The price is shown on the payment sheet before you pay, in US dollars, with any VAT or sales tax already included. What you are charged is exactly that figure.
• Billing. The subscription is billed yearly, in advance, and renews automatically each year on the same date until you cancel it.
• Cancelling. Cancel at any time from your account, under Manage. Nothing further is charged, and everything you paid for keeps working until the end of the year you paid for.
• Price changes. A change of price applies to new subscriptions. If we ever change the price of yours, we will email you at least 30 days before the renewal it applies to, and you can cancel before then.
• Payments. Payments are handled by Stripe. We never see or store your card number.

Refunds

If you are not happy, write to us within 14 days of any charge, a renewal included, and we will refund all of it. No reason is needed. The refund goes back to the card or wallet you paid with, and the subscription ends when it is refunded.

This is at least what the right of withdrawal under EU consumer law gives you, so you do not lose that right by starting to use the subscription at once.

Receipts read from a photograph

When you photograph a receipt, the image is sent to Anthropic, the company whose model reads it, and the lines that come back are always a draft. The reading can be wrong. You see every line before anything is saved and you are responsible for what you save. We may refuse to read more receipts on a trip that has had an unreasonable number read, to keep the service working for everybody.

Using it fairly

Do not use Billshare to break the law, to harass anybody, or to put anything on a bill that you have no right to share. Do not try to break, overload or get around the limits of the service, and do not read other people's bills without their link. We may remove content or close an account that does any of this.

What you put in

What you enter is yours. You allow us to store it and show it to anybody who has the link to the bill or trip it is on, which is what the service is for. Deleting a trip or a bill removes it.

Availability and liability

We work to keep Billshare running and correct, but it is provided as it is, without any promise that it will always be available or free of errors. As far as the law allows, we are not liable for indirect losses, and our total liability to you is limited to what you paid us in the 12 months before the claim. Nothing in these terms limits any right you have as a consumer that the law says cannot be limited.

If we ever shut Billshare down, we will tell subscribers by email at least 30 days ahead and refund the part of the year that has not been used.

Changes to these terms

We may change these terms. The date at the top says when they last changed. If a change matters to subscribers, we will email them before it takes effect, and continuing to use Billshare after that means you accept the new terms.

Law and disputes

These terms are governed by Swedish law. If you are a consumer, you also keep the protection of the mandatory rules of the country you live in, and you can bring a claim in the courts there. Write to us first and we will try to put it right. If we cannot agree, a consumer can take the dispute to the Swedish National Board for Consumer Disputes (Allmänna reklamationsnämnden, arn.se), whose recommendations we follow.

This page says what Billshare keeps about you, why, who else sees it and how to have it removed. It is short because we keep little: there are no ads, no tracking and no analytics that follow you.

Who is responsible

Billshare is run by Joakim Johansson, a sole trader in Sweden, who is the controller of your personal data under the GDPR. Write to joakim.j.b.johansson@gmail.com about anything on this page.

What we keep

• Bills and trips. What you and the people you share them with type in: names of people, amounts, currencies, exchange rates, dates, notes, the lines of a receipt and a trip's destination country. Names can be anything you like; they do not have to be anybody's real name.
• Your account, if you make one. Your email address, which bills and trips are yours, and whether you are subscribed. There is no password.
• Sign in codes. The six digit code we email you, stored only as a scrambled hash and deleted once it has expired, 15 minutes after it was sent.
• Your session. A random token in a cookie that keeps you signed in, stored on our side only as a hash. It lasts 90 days from the last time you used it.
• Payments. If you subscribe, Stripe keeps your name, billing address and payment details. We keep only a Stripe customer reference, your subscription status and when it renews. We never see your card number.
• Counts of what happens. Anonymous tallies such as "a bill was created" or "a page was read", each with a time and nothing that identifies a person or a device.
• Where you are, roughly. The country your network is in, and your phone's time zone, choose the currency a new bill opens on. Neither is stored.
• Limits against abuse. To stop anybody flooding the service, we count requests per network address. The address is stored only as a hash and the count is deleted within the hour.

We do not keep the photographs of receipts. A photo is read, the lines are sent back to your phone, and the image is thrown away.

Why, and on what legal basis

• To run the service you ask for: storing bills and trips, signing you in, and reading receipts. The basis is the contract between us.
• To take payment and keep the accounts the law requires. The basis is the contract, and our legal obligation to keep bookkeeping records.
• To keep the service safe and working, through the limits and the anonymous counts. The basis is our legitimate interest in a service that works and is not abused.

We do not sell your data, we do not use it for advertising and we do not build profiles of anybody.

Who else sees it

Anybody with the share link to a bill or a trip can see everything on it. That is how sharing works, so share a link only with the people it is about.

We use these companies to run Billshare, and each gets only what its part needs:

• Vercel hosts the app. The server work runs in Frankfurt.
• Neon hosts the database, in Frankfurt.
• Stripe takes payments and keeps the billing details you give it.
• Resend sends the emails with your sign in code.
• Anthropic reads photographed receipts. The image is sent to it for reading, and under its terms it is not used to train its models and is kept only for a limited time.
• jsDelivr serves the day's exchange rates. Your browser asks it for them directly, so it sees your network address and which currency was looked up, and nothing else.

Some of these companies are based in the United States, so data can be handled there. Where it is, the transfer is covered by the safeguards the GDPR requires, such as the EU standard contractual clauses or the EU US Data Privacy Framework.

What is stored on your phone

Billshare keeps a few things in your browser's own storage so it works without an account: the bills and trips you started, with the key that lets this phone edit them, which person you are on a trip, the currency you last settled in, a bill you have not finished, and which bills this phone has already been counted as reading, so that nobody is counted twice. That last list never leaves your phone. When you sign in, the bills and trips you started are added to your account, and signing out clears them from the phone.

There is one cookie, ours alone and not following you anywhere else: the sign in session above, and only once you sign in. It is needed for the service to work.

How long we keep it

• Bills and trips stay until they are deleted.
• Your account stays until you ask us to delete it. When it is deleted, so are the bills and trips only you are on.
• Sessions, sign in codes and the abuse limits are deleted automatically when they expire, as above.
• Payment records are kept for as long as Swedish bookkeeping law requires, which is seven years.

Your rights

You can ask us for a copy of your data, to correct it, to delete it, to restrict or object to how we use it, and to have it in a form you can take elsewhere. Write to the address above and we will answer within a month.

If you think we have handled your data wrongly, you can complain to the Swedish Authority for Privacy Protection (Integritetsskyddsmyndigheten, imy.se) or to the authority where you live. We would rather hear from you first.

Children

Billshare is not meant for children under 13, and we do not knowingly keep data about them.

Changes

If this policy changes, the date at the top says when. If a change matters to people with an account, we will email them before it takes effect. The terms of service above cover everything else about using Billshare.