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Privacy Policy

Last updated: February 2026

1. Information We Collect

Account information: When you sign up, we collect your email address and optional name. We use this to create and manage your account.

Financial data you provide: This includes BNPL plan details (provider, merchant, amounts, due dates), payment history, income (if entered), and late fee records. This data is entered manually by you.

Payment information: If you subscribe to Pro, payment is processed by Stripe. We do not store your credit card number. Stripe handles all payment data per their own privacy policy.

Usage data: We may collect basic analytics such as pages visited, features used, and device type to improve the Service.

2. How We Use Your Information

We use your information to provide and maintain the Service, send payment reminders and alerts you have opted into, calculate your BNPL Health Score, generate analytics and reports, process subscription payments, and improve the Service.

3. What We Do NOT Do

We do not sell your personal or financial data to third parties. We do not share your data with BNPL providers. We do not use your data for advertising targeting. We do not access your bank accounts or make payments on your behalf. We do not report any data to credit bureaus.

4. Data Storage and Security

Your data is stored securely using Supabase (hosted on AWS) with row-level security policies ensuring only you can access your own data. All data is encrypted in transit (TLS/SSL) and at rest. We use industry-standard security practices to protect your information.

5. Third-Party Services

We use the following third-party services: Supabase (database and authentication), Stripe (payment processing), Resend (email delivery), Vercel (web hosting), and Anthropic (AI-powered assistant). Each has their own privacy policy governing how they handle data.

Our Pro plan includes an AI assistant feature powered by Anthropic. When you use this feature, your BNPL plan details (merchant names, amounts, due dates) and monthly income are sent to Anthropic's API to generate personalized responses. This data is not stored by Anthropic and is only used to process your request. You can choose not to use the assistant feature at any time.

6. Email Communications

We send transactional emails including payment reminders, overdue alerts, and account notifications. You can control reminder preferences in your Settings. You can unsubscribe from non-essential emails at any time.

7. Your Rights

You have the right to access all data we store about you, export your data at any time, correct any inaccurate information, delete your account and all associated data, and opt out of non-essential communications. To exercise any of these rights, contact us at privacy@frizzbee.co.

8. Cookies

We use essential cookies for authentication and session management. We do not use tracking cookies or third-party advertising cookies.

9. Children

Frizzbee is not intended for use by anyone under 18 years of age. We do not knowingly collect data from minors.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify users of material changes via email. The "Last updated" date at the top reflects the most recent revision.

11. Contact

For privacy-related questions or requests, contact us at privacy@frizzbee.co.