Privacy Policy

Bill Cara | Effective Date: June 1, 2026

This Privacy Policy explains how BillCara collects, uses, discloses, and protects personal information when you visit billcara.com, create an account, subscribe to free or paid publications, access reports, use community features, or otherwise interact with our website and services.

This Privacy Policy is part of the User Agreement and should be read together with our Terms of Service, Cookie Policy, Disclaimers, and any other policies posted on the Site.

1. Scope

This Privacy Policy applies to billcara.com and the publications, newsletters, reports, podcasts, data products, portfolio updates, community features, and related services distributed under the Bill Cara brand. It also applies when you interact with us by email, through support, or through third-party platforms connected to the Services.

Third-party websites and platforms, including Stripe, Substack, Google, podcast distributors, data vendors, and linked external resources, maintain their own privacy practices. Their policies apply when you use their services.

2. Personal Information We Collect

The personal information we collect depends on how you use the Services. The main categories are summarized below.

Category	Examples	Primary uses
Account and contact information	Name, email address, username, password/authentication data, account settings, and subscription status.	Create and manage accounts, authenticate users, provide subscriptions, support users, and secure the Services.
Payment and subscription information	Billing details, plan, renewal status, transaction metadata, tax or invoice information, and payment status. We do not store full payment card numbers.	Process subscriptions, manage renewals, prevent fraud, resolve billing issues, and maintain records.
Site usage, device, and analytics data	IP address, browser and device information, pages viewed, referral source, approximate location, interactions, logs, and Google Analytics data.	Operate and secure the Site, understand usage, improve content and product experience, and troubleshoot issues.
User content and communications	Forum posts, comments, replies, questions, feedback, support requests, and other content you submit.	Provide community features, respond to requests, moderate abuse, enforce terms, and improve the Services.
Marketing and email engagement	Newsletter subscriptions, email preferences, delivery status, opens, clicks, and unsubscribe activity where available.	Send publications, service notices, marketing communications, and manage email preferences.

3. Information You Provide

• Account information, such as your name, email address, username, password or authentication method, account preferences, and subscription tier.

• Subscription and billing information, including plan selection, renewal status, invoices, payment status, and related transaction metadata.

• Communications, including support requests, questions submitted to the editor, feedback, bug reports, survey responses, and email correspondence.

• Community content, including comments, replies, forum posts, and other content you submit through community or feedback features.

4. Information Collected Automatically

When you use the Site, we and our service providers may automatically collect technical and usage information, including IP address, browser type, device type, operating system, approximate location, referral source, pages viewed, links clicked, access times, log data, and cookie or similar technology identifiers.

We use Google Analytics to understand how visitors use the Site, measure page usage, review traffic patterns, and improve the product experience. Google Analytics may use cookies or similar technologies to collect information such as pages visited, site interactions, device and browser information, approximate location, referral source, and related usage data.

5. How We Use Personal Information

• Provide, operate, maintain, and improve the Services.

• Create and manage accounts, authenticate users, and provide access to free and paid subscription tiers.

• Process payments, manage renewals, prevent fraud, resolve billing issues, and maintain subscription records.

• Send newsletters, reports, account notices, service updates, billing notices, and other communications.

• Support community features, moderation, abuse prevention, and enforcement of our Terms of Service.

• Analyze Site usage, measure performance, improve content and product decisions, and troubleshoot technical issues.

• Protect the security, integrity, and availability of the Site and Services.

• Comply with legal obligations, enforce our agreements, and protect our rights, users, and the public.

6. Cookies and Similar Technologies

We use cookies and similar technologies for authentication, security, account functionality, subscriptions, preferences, analytics, and service improvement. For more detail, please review our Cookie Policy.

Where required by applicable law, we will provide additional choices or consent controls for non-essential cookies, including analytics cookies.

7. How We Disclose Personal Information

We may disclose personal information in the following circumstances:

• Service providers and vendors that help us operate the Site, host infrastructure, send emails, process payments, manage subscriptions, provide analytics, support security, and deliver customer support.

• Payment processors, including Stripe, to process payments, manage subscriptions, prevent fraud, handle disputes, and maintain billing records.

• Analytics providers, including Google Analytics, to measure Site usage and improve the Services.

• Third-party platforms, such as Substack or other distribution channels, when your subscription, account, or content access is managed through those platforms.

• Legal, safety, and enforcement purposes, including responding to lawful requests, enforcing our Terms of Service, investigating abuse, preventing fraud, and protecting the rights, property, safety, and security of BillCara, users, and the public.

• Business transfers, such as a merger, acquisition, financing, reorganization, asset sale, or similar transaction involving all or part of the business.

• With your consent or at your direction.

We do not sell personal information for money. Some privacy laws define certain analytics or advertising-related disclosures as a 'sale' or 'sharing' even when no money is exchanged. Where those laws apply, we will provide any required rights and choices.

8. Payments and Third-Party Platforms

We use Stripe to process payments and manage subscriptions. Stripe may collect and process personal information such as name, email address, billing details, payment method information, transaction data, subscription status, fraud-prevention information, and related checkout data according to Stripe's own privacy policy. BillCara does not store full payment card numbers on its own systems.

If you subscribe or interact with BillCara through a third-party platform such as Substack, that platform may collect and process your personal information under its own privacy policy and terms.

9. Community Features and User Content

If you post comments, replies, forum contributions, feedback, or other user content, that content may be visible to other users according to the feature and your subscription access. Do not submit sensitive personal information, brokerage credentials, financial account numbers, government identification numbers, private health information, or information about other people unless you have authority to do so.

We may moderate, remove, retain, disclose, or preserve user content as described in our Terms of Service and as necessary to operate the Services, enforce our agreements, protect users, or comply with law.

10. Email and Marketing Communications

We may send you service-related emails, account notices, subscription notices, billing communications, newsletters, market publications, promotional messages, and other communications related to BillCara. You may unsubscribe from marketing emails using the unsubscribe link in those emails, but we may still send transactional or service-related messages.

11. Data Retention

We retain personal information for as long as reasonably necessary to provide the Services, maintain accounts and subscriptions, comply with legal obligations, resolve disputes, enforce agreements, prevent fraud and abuse, maintain business records, and fulfill the purposes described in this Privacy Policy.

When information is no longer needed, we may delete it, de-identify it, aggregate it, or retain it as required or permitted by law.

12. Security

We use reasonable administrative, technical, and organizational measures designed to protect personal information. However, no website, internet transmission, database, or electronic storage system can be guaranteed to be completely secure. You are responsible for maintaining the confidentiality of your account credentials and for notifying us promptly of unauthorized account activity.

13. Your Choices and Privacy Rights

Depending on where you live, you may have rights to request access to, correction of, deletion of, or portability of your personal information; to object to or restrict certain processing; to opt out of certain disclosures; or to appeal a decision regarding a privacy request.

You may also manage many choices directly through your account settings, email unsubscribe links, browser cookie controls, payment or subscription settings, and any consent tools we make available.

To make a privacy request, contact us using the information below. We may need to verify your identity before responding. We will not discriminate against you for exercising privacy rights, but some choices may affect your ability to use certain Services.

14. California and Other U.S. State Privacy Notices

Certain U.S. state privacy laws require additional disclosures about categories of personal information collected, purposes of use, categories of recipients, retention, and rights. The categories described in this Privacy Policy are intended to provide that notice.

We do not knowingly collect or process sensitive personal information for the purpose of inferring characteristics about you. We do not knowingly sell or share the personal information of individuals under 16. If required by applicable law, we will honor recognized opt-out preference signals and provide required methods to exercise applicable rights.

15. International Users

BillCara is operated from the United States. If you access the Services from outside the United States, your personal information may be processed in the United States or other countries where we or our service providers operate. These countries may have data protection laws different from those in your jurisdiction.

16. Children

The Services are intended for adults and are not directed to children under 13. We do not knowingly collect personal information from children under 13. If you believe a child has provided personal information to us, please contact us so we can take appropriate action.

17. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our Services, technologies, legal requirements, or business operations. When we make material changes, we will update the effective date at the top of this page or provide notice as appropriate.

18. Contact Us

If you have questions about this Privacy Policy or want to make a privacy request, contact us at privacy@billcara.com. If that address is not active, you may also contact us through the support or contact channels provided on billcara.com.