1. Overview
Zero Billion Apps ("we", "us", "our") operates the Overcharged mobile application. This Privacy Policy explains how we collect, use, and protect your information when you use our App.
We are committed to protecting your privacy, especially given the sensitive nature of medical billing information. We designed Overcharged with a privacy-first approach.
2. Information We Collect
Profile Information: During onboarding, you provide information including your state, insurance type, insurance provider, household income bracket, age of bills, number of recent medical visits, and whether you have received surprise bills. This information is used to estimate potential savings and tailor the App experience.
Bill Images and Data: When you use the bill scanning feature, images of your medical bills are processed to identify potential errors. Bill images and extracted data are stored locally on your device.
Usage Data: We may collect anonymous usage analytics such as which features are used and general app interaction patterns. This data does not identify you personally.
Purchase Information: Subscription purchases are processed by Apple through the App Store. We do not collect or store your payment information.
3. How We Store Your Data
Local Storage: Your profile information and bill data are stored locally on your device using iOS standard storage mechanisms. We do not transmit your medical bill images or personal health information to external servers.
AI Processing: When AI-powered bill scanning is used, bill data may be processed using third-party AI services to analyze billing codes and identify errors. No personally identifiable information beyond the bill details necessary for analysis is shared with these services.
No Account Required: Overcharged does not require you to create an account or provide an email address to use the App.
4. How We Use Your Information
- To analyze medical bills and identify potential billing errors
- To generate estimated savings calculations
- To create template dispute letters based on identified errors
- To personalize the App experience based on your profile
- To improve the App and develop new features
- To comply with legal obligations
5. Information Sharing
We do not sell, trade, or rent your personal information or medical billing data to third parties.
We may share anonymized, aggregated data for analytics purposes. This data cannot be used to identify individual users or their medical information.
We may disclose your information if required by law, such as to comply with a subpoena or similar legal process.
6. Data Security
We implement appropriate technical and organizational measures to protect your personal and medical billing information. Data stored on your device is protected by iOS security features including device encryption.
We recognize the sensitive nature of medical billing data and take additional care to ensure this information is handled securely.
7. Your Rights
- Access: You can view your profile and bill information within the App at any time
- Deletion: You can delete individual bills or reset your profile within the App, which removes your locally stored data
- Portability: Your data is stored on your device and under your control
8. HIPAA Notice
Overcharged is a consumer tool and is not a covered entity or business associate under HIPAA. However, we treat your medical billing information with the same level of care and confidentiality. We recommend that you protect your device with a passcode and keep your iOS software up to date.
9. Children's Privacy
Overcharged is not intended for use by children under the age of 13. We do not knowingly collect personal information from children under 13.
10. 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 within the App.
11. Contact Us
If you have questions about this Privacy Policy or how we handle your data, contact us at privacy@zerobillion.app.