Your use of BuildAP, Inc. dba Billy (hereinafter “Billy”, “Company”, “our”, “us”, as defined by the BuildAP, Inc. Terms of Use) products and services is governed by our Terms of Use, into which this Privacy & Data Use Policy (“Policy”) is specifically incorporated. This Policy may be changed at any time with no advance notice, and all subsequent notice of any such changes may be limited to display of the changes in this Policy on our website. Provided, however, that Billy will inform its users of any substantial change to this Policy that modifies Billy’s use of personal non-randomized, non-anonymous information, or non-scrubbed information (“noticed change”), as well as the date of the change being noted in the Changes to our Privacy Policy section, below. The date of any non-noticed change will solely be displayed in the Changes to our Privacy Policy section below. We collect different types of information in order to improve our services, products, and communication and/or relationship with you, and for additional business purposes. The information we collect, and how we use it, is set forth below. By specifically checking the box that you have read, understand, and agree to this Privacy and Data Use Policy, and continuing to use our website and/or our products and/or services, you agree to this Privacy and Data Use Policy and to the use of your data or information as allowed therein.

Your use of Billy’s Services is governed by our Terms of Use, into which this Privacy & Data Use Policy is specifically incorporated. Please visit our Terms and Conditions section establishing the use, disclaimers, and limitations of liability governing the use of our website at https://www.Billyforinsurance.com/TermsOfUse/.

1. DEFINITIONS

For the purposes of the following Privacy and Data Use Policy, the following terms are defined below:

Account Information: Personal information specifically related to a Billy user’s account, including name, address, telephone number, and email address, as well as service-related details such as payment data or similar information.

Aggregate Information: Information grouped by Billy into anonymous sets of information. The sets may contain specific information, but the information is aggregated and/or randomized such that the information does not specifically identify the user or visitor from whom the information is gathered.

Anonymous Information: Information that does not specifically identify, and cannot be reasonably used to identify, any specific and particular user or visitor.

Personal Information: Information that does specifically identify, or can be reasonably used to identify, any specific and particular user or visitor.

Project Information: Information about the projects entered into our system or otherwise provided to us by any means, including but not limited to the following: manual entry by you or us; provided through a spreadsheet or document of any type; provided directly to our system through use of an API; or provided to us by a third-party. Project information may include, but is not necessarily limited to, project address/location, your role in the project, the project type, the amount due, the party that hired you (and its role in the project), contact or other information about other interested parties (property owner, lender, surety, tenant, etc.), the first and/or last dates of your furnishing labor and/or materials to the project, the start and/or completion dates of the project as a whole, and the labor and/or materials provided. Further, for some projects, additional data will be collected, such as, but not necessarily limited to, copies of invoices and/or contract documents.

Public Information: Information that is available to the general public, is a matter of public record, or can be determined by a member of the general public with reasonable effort and requiring no specialized knowledge.

“Services” means our website and software-as-a-service offering.

Scrubbed Information: Information that was previously Personal Information, but which has been scrubbed of details that specifically identify, or can be reasonably used to identify, any specific and particular user or visitor.

Third-Party Information: Information about Billy users and non-users may be provided to Billy on a third-party basis. This information may include Personal Information, Public Information, and/or Project Information. Information is considered third-party information when information is provided to Billy from any party about any other party. For example, if Billy user ABC Company uses the Billy platform to track a project and send a Notice of Intent to Lien to PO Property Owner and XYZ Company, stating that ABC Company performed work on P Project and is unpaid by XYZ Company 60 days after invoice date, the information that XYZ Company is a party on P Project and has an outstanding debt 60 days past due is third-party information as related to XYZ Company. The information that the 60-day past due invoice is from, and owed to, ABC Company is Personal Information of ABC Company.

Usage Information: Information about how you use our products and our services, including information such as your order history.

User: A visitor who has a Billy user account or login information, or who is affiliated with a company who has a Billy user account or login information, or who provides any information to Billy in order to receive any piece of Billy delivered content.

Visitor: Anyone who visits any page of Billy’s website or views other Billy created content, including but not limited to, articles, blog posts, infographics or other visual or audio resources, webinars, or white papers.

Website: Means any and all pages of Billy.com, no matter what device is used to access any specific page.

2. COLLECTION OF PERSONAL INFORMATION

Information Collected From You Directly. While using the Services, we may collect the following Personal Information directly from you:

  • Email address
  • First name and last name
  • Phone number
  • Address, State, Province, ZIP/Postal code, City

Your provision of Personal Information may be required in order to use the Services.  In some instances, if you fail to provide such Personal Information, you may not be able to access and use our Services, or parts of our Services.  

Information Collected Automatically. We, and the vendors we work with, may use various tools and technologies (such as cookies, log files, and pixels) to collect certain information automatically from visitors on the Services. This information may include usage data such as IP address, browser type, and domain names.

A cookie is a small file that a site or its vendors transfers to your computer’s hard drive through your Web browser (if you allow) that enables the website to recognize your browser and capture and remember certain information. Most browsers automatically accept these cookies, but you usually can change your browser setting to remove or reject cookies. Please note that blocking cookies on our Services may prevent you from using some of the features of our Services. Also, disabling cookies may invalidate opt outs that use cookies to recognize devices that have opted out.

Please note that we or other parties may collect personal information about your online activities over time and across different devices and online properties when you use the Services. Your web browser may have settings that allow you to transmit a “Do Not Track” signal when you visit various websites or use online services. Like many websites, our website is not designed to respond to “Do Not Track” signals received from browsers. To learn more about “Do Not Track” signals, visit allaboutdnt.com.

Billy uses services that enable us to monitor and utilize web traffic that can be used to keep track of user or visitor behavior. Google Analytics is a web analysis service provided by Google, Inc. that utilizes data collected to track and examine a visitor or user use of Billy, to prepare reports on these uses and activities and to share them with other Google services. Google may use the data collected to contextualize and personalize the ads of its own advertising network. Personal data collected includes cookie, browsing and usage data.

3. SOURCES OF PERSONAL INFORMATION

We may collect personal information in multiple ways, including, but not necessarily limited to, the following:

  • We get information from you when you create an account with us;
  • We get information from you when you purchase products and/or services from us;
  • We get information from you when projects are entered into our system or otherwise provided to us;
  • We get information from you directly when you provide us with project information, certificates of insurance, or any other document;
  • Other customers may provide your information to us;
  • Through the use of cookies.

4. USE OF INFORMATION

By using Billy’s Services, Billy may use any of your information collected for the following purposes:

  • Providing services and improving your customer experience;
  • Sending you any necessary bills or invoices for charges incurred;
  • Responding to your questions or providing you support;
  • Performing research and analysis to maintain, develop, and improve our system, products, services, resources, and/or other offerings;
  • Providing you information about Billy’s system, updates, offers and promotions;
  • Creating External Marketing & Analytics Reports;
  • Assisting in the investigation, arbitration, or litigation of violations of our Terms of Use or Acceptable Use Policies; and
  • For any other purpose with your consent.

In addition, we may use Aggregate Information, Anonymous Information, Third-Party Information, Scrubbed Information, Project Information, and Public Information for the following purposes:

  • Internal research and analyses;
  • External marketing, analytics, project reports, and/or other reports or data that we may sell to other companies for their own uses, whether the information in these reports or data is aggregate, or anonymous / public individual information;
  • Calculation of Billy developed metrics designed to provide information related to the credit or other financial risk of a certain construction project or project participant, produced by Billy for sale to, or use of, third parties;
  • As part of Billy products or services made available for free or for purchase to users or prospective users;
  • To fill out Billy’s data graph.

5. DISCLOSURE OF PERSONAL INFORMATION

We may disclose Personal Information we have processed as described above with companies associated or affiliated with Billy, business partners, and vendors that perform services on our behalf. We may also disclose personal information:

  • To comply with court orders which compel Billy to produce information;
  • To enforce our agreements and property rights;
  • In the event we sell or transfer all or a portion of our business assets (e.g., further to merger, liquidation, reorganization, or any other business transaction, including negotiations of such transaction; and
  • With your consent or at your direction.

6. RETENTION OF PERSONAL INFORMATION

We will store your Personal Information for no longer than is necessary for the performance of our obligations or to achieve the purposes for which the information was collected, or as may be permitted under applicable law. To determine the appropriate retention period, we will consider the amount, nature, and sensitivity of the data; the potential risk of harm from unauthorized use or disclosure of the data; the purposes for which we process the data and whether we can achieve those purposes through other means; and the applicable legal requirements. Unless otherwise required by applicable law, at the end of the retention period we will remove Personal Information from our systems and records or take appropriate steps to properly anonymize it.

7. SECURITY

Billy takes reasonable measures to protect the personal information we obtain from loss, theft, misuse, and unauthorized access, disclosure, alteration, and destruction. Nevertheless, transmission via the Internet and online digital storage are not completely secure, so we cannot guarantee the security of your information collected through our Services.

8. CHILDREN’S PRIVACY

We do not knowingly collect information from anyone under 13 years of age. If we become aware that we have obtained personal information from an individual under the age of 13, we will delete such information in accordance with applicable law.

9. LINKS TO OTHER WEBSITES

The Services may contain links to, or features facilitated by, other websites. We are not responsible for the privacy practices, advertising, products, or content of websites or online services that we do not control. Please note that other online services have their own privacy policies and we are not responsible or liable for these policies.

10. INFORMATION FOR USERS OUTSIDE OF THE UNITED STATES

Please be aware that any personal information you submit will be transferred to and processed in the United States and the data protection laws and regulations that apply to your personal information may be different from the laws in your country of residence.

11. ADDITIONAL INFORMATION FOR USERS IN THE EUROPEAN ECONOMIC AREA AND UNITED KINGDOM

As a supplement to the information provided throughout this Privacy Policy, we provide the following information as a notice to residents of the European Economic Area (“EEA”) of their rights under the European Union’s General Data Protection Regulation and residents of the United Kingdom (“UK”) of their rights under the United Kingdom’s General Data Protection Regulation.

BuildAP, Inc.’s dba Billy is the data controller for customer personal information collected through our Services. You may be required to provide certain personal information, such as your contact information and payment details, in order to use our Services.

Legal Bases for Our Personal Information Processing: Our processing of your Personal Information is carried out under the following legal bases:

  • The processing is necessary for us to fulfill a contract to provide you with products and services. This is relevant where:
    • You make a purchase from us
    • You register with us and set up an account to receive our products/services
    • We process your account registration and identify you as a user
  • We have a legal obligation to process your personal data, such as to comply with applicable tax law and other government regulations or to respond to a court order or binding law enforcement request.
  • We have a legitimate interest in carrying out the processing activity.  In particular, we have a legitimate interest in the following cases:
    • To analyze and improve the safety and security of the Services, including by implementing and enhancing security measures and safeguards to protect against fraud, spam, and abuse
    • To communicate with you, respond to your comments, questions, and requests, send you informational notices, or contact you if we need to obtain or provide additional information
    • To prevent and address fraud, unlawful activity, breaches of policies or terms, and other potential threats
    • To ensure the security and integrity of the Personal Information we process
    • To operate, maintain, and improve the Services
    • To provide you with certain information and communications tailored to, and in accordance with, your preferences
  • You have consented to the processing of your Personal Information.  When you consent, you may change your mind and withdraw your consent at any time.

Your Privacy Rights. You may ask us to take the following actions with respect to your Personal Information:

  • provide you with information about our processing of your personal information and access to your personal information;
  • update or correct inaccuracies in your personal information;
  • delete your personal information;
  • transfer a copy of your personal information to you or a third party of your choice; and
  • stop or restrict our processing of your personal information.

You may submit these requests by emailing us at notices@billyforinsurance.com. We may require specific information from you to help us verify your identity prior to processing your request. Applicable law may require or permit us to decline your request. If we decline your request, we will tell you why, subject to any legal restrictions on disclosing this information.

Submitting a Complaint. If you would like to submit a complaint about our use of your Personal Information or our response to your request regarding your Personal Information, you may contact us at notices@billyforinsurance.com.com or submit a complaint directly to the data protection authority in your jurisdiction. If you reside in the EEA, you can find information about your data protection authority here. If you reside in the UK, you may file complaints with the Information Commissioner’s Office here.

Transfers of Your Personal Information. When you directly provide your Personal Information through our Services, you acknowledge that your personal information is being provided by you to a company based in the United States. The laws that apply to Personal Information protection in the United States differ from those applicable in the EEA and the UK. If it is necessary for us to transfer Personal Information out of the EEA and the UK, we do so by using suitable data transfer safeguards, such as the standard contractual clauses approved by the European Commission, which impose data protection obligations on parties to the transfer. You may obtain additional information about our data transfer mechanisms by contacting us at notices@billyforinsurance.com

12. ADDITIONAL INFORMATION FOR USERS IN CALIFORNIA

Under the California Consumer Privacy Act (“CCPA”), we are required to notify California consumers about our collection, use, and disclosure, and retention of their Personal Information through their interactions with our Services. This section should be read in conjunction with the rest of the Privacy Policy and will apply to the extent the law applies to you.

Unless otherwise noted, the disclosures below also describe how we collected and used your personal information within the past twelve (12) months.

Additional Information about Collection and Use of Personal Information. We collected the following categories of Personal Information about California consumers. Note that the Personal Information we collect about you may vary depending on the nature of your interactions with us and may not include all of the examples listed below.

  • Identifiers;
  • Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1797.80(e)) (“Customer Records”);
  • Internet or other electronic network activity information

For examples of the specific types of personal information we collect about California consumers, visit the “Collection of Personal Information” section above. For additional information about the business and commercial purposes for the collection of personal information, please see the “Use of Information” section above.

Personal Information Sold or Shared. Although we do not sell personal information in exchange for money, some of the ways in which we share personal information for advertising may be considered “sales” or “sharing” for targeted or cross-context behavioral advertising under the CCPA. We have sold and/or shared the categories of personal information provided below to marketing and advertising companies for the purpose of providing analytics and advertising for us:

  • Identifiers;
  • Personal records;
  • Internet or other electronic network activity information; and

We [do/do no]t have actual knowledge that we sell or share the personal information of anyone under 16 years of age.

Personal Information Disclosed. The chart below describes the categories of personal information we disclose for a business purpose and the categories of recipients for each category.

Category of Personal InformationCategory of RecipientsPurposes for Disclosure
IdentifiersOur affiliated brands and companies Service providers that we use to support our business and operations — Processing your purchases of or requests for products or services– Performing services on our behalf (e.g., providing communications, technical, analytical, web hosting, cloud hosting support, or other services on our behalf)– Short-term, transient use, including, but not limited to, non-personalized advertising– Ensuring security and integrity of personal information– Debugging to identify and repair errors that impair existing intended functionality– Detecting, investigating, or protecting against malicious, deceptive, fraudulent or illegal activity
Customer recordsOur affiliated brands and companies Service providers that we use to support our business and operations— Processing your purchases of or requests for products or services– Performing services on our behalf (e.g., processing payments, supporting our promotions, providing communications, technical, analytical, web hosting, cloud hosting support, or other services on our behalf)– Short-term, transient use, including, but not limited to, non-personalized advertising– Ensuring security and integrity of personal information– Debugging to identify and repair errors that impair existing intended functionality– Detecting, investigating, or protecting against malicious, deceptive, fraudulent or illegal activity
Internet or other electronic network activity informationOur affiliated brands and companies Service providers that we use to support our business and operations— Performing services on our behalf (e.g., technical, analytical, web hosting support, or other services on our behalf)– Short-term, transient use, including, but not limited to, non-personalized advertising– Ensuring security and integrity of personal information– Debugging to identify and repair errors that impair existing intended functionality– Detecting, investigating, or protecting against malicious, deceptive, fraudulent or illegal activity

Your Rights. California residents are entitled to certain rights regarding their Personal Information, including the right:

  • To know the categories and/or specific pieces of Personal Information collected about you, including whether your Personal Information is sold, shared, or disclosed, and with whom your Personal Information was disclosed;
  • To access a copy of the Personal Information we retain about you;
  • To correct any information we maintain about you that is inaccurate;
  • To request deletion of Personal Information; and
  • To opt-out of the sale and/or sharing of Personal Information.

If you choose to exercise any of your privacy rights,  you will not receive discriminatory treatment by us.

Exercising Your Rights. If you are a resident of California, you may exercise your privacy rights by contacting us using the contact information at the end of this Privacy Policy. We may ask for specific information to verify your identity prior to processing your requests. If you are an authorized agent or parent/guardian making a request on behalf of an individual or your minor child, we may require and request additional information to verify that you are authorized to make that request.

13. MISCELLANEOUS

If you have entered into a separate Confidentiality Agreement with Billy the terms of that agreement will control over the terms of this Policy when they are in disagreement.

If you have entered into a separate Data Use Agreement with Billy in which you have given Billy greater use of your Personal Information, the terms of that Agreement will control over the terms of this Policy when they are in disagreement.

14. CHANGES TO OUR PRIVACY POLICY AND CONTACT INFORMATION

If our privacy policy is changed, we will update the Privacy Policy modification date below. Policy changes will apply only to information collected after the date of the change. This policy was last modified on June 30, 2023.

Further, if the change to the Privacy Policy is a Noticed change, you will receive notification of the change to the policy via email provided to Billy in your account information.

If there are any questions regarding this privacy policy you may contact us using the information below:

Mail: 539 Atlantic Avenue, PO BOX 170329, Brooklyn, NY 11217
Email: notices@billyforinsurance.com
Text or Phone: 332-245-0035