Legal

Last Updated: May 1, 2026

BillShieldUmbrella ("Company," "we," "us," "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information.

Information We Collect

• Account Information: Email, name, password, profile preferences
• Financial Data: Bill information, subscription details, payment history
• Device Information: Device type, browser, operating system, IP address
• Usage Data: Pages visited, features used, time spent

How We Use Your Information

We use your information to provide and improve our services, process transactions, detect fraud, and comply with legal obligations. We employ industry-standard encryption and security measures to protect your data.

Data Sharing

We do NOT sell your personal information. We share data only with service providers who need it to operate our service, when required by law, or with your explicit consent.

Your Rights

You have the right to access, correct, delete, or export your data. Submit requests to: privacy@billshieldumbrella.com

Last Updated: May 1, 2026

By accessing BillShieldUmbrella, you agree to be bound by these Terms of Service. If you do not agree, do not use the service.

Use License

We grant you a limited, non-exclusive, revocable license for personal, non-commercial use. You may not reverse engineer, decompile, transmit malware, or attempt unauthorized access.

Subscriptions & Billing

• Subscriptions renew automatically on your billing date
• You can cancel anytime; cancellation takes effect at period end
• We may change pricing with 30 days' notice
• Refunds are not issued for partial months

Limitation of Liability

To the maximum extent permitted by law, we are not liable for indirect, incidental, or consequential damages. Our liability is limited to fees paid in the past 12 months.

Dispute Resolution

Disputes shall be resolved through binding arbitration, not court litigation. You agree not to participate in class action lawsuits.

Important: BillShieldUmbrella is informational only and NOT professional advice.

What We Are NOT

• A law firm—we do not provide legal advice
• A financial advisor—we do not provide investment advice
• A tax professional—we do not provide tax advice
• Offering insurance or outcome guarantees

Your Responsibility

You are solely responsible for reviewing documents, consulting professionals, verifying information, and making financial decisions. Our service provides templates and suggestions for your review only.

No Guarantees

We cannot guarantee successful negotiations, dispute wins, refunds, cancellations, or savings amounts. Results depend on merchant policies and factors outside our control.

Seek Professional Advice

For significant financial, legal, or tax matters, consult a licensed attorney, CPA, or financial advisor. This service is educational only.

Last Updated: May 1, 2026

Cookies are small files stored on your device to help us remember preferences and improve your experience.

Types of Cookies We Use

How to Control Cookies

You can manage cookies in your browser settings. Most browsers allow you to delete, disable, or block cookies. Note that disabling essential cookies will prevent login and core features from working.

Third-Party Cookies

We use services like Stripe (payments), Google Analytics (analytics), and Sentry (error tracking) that may set their own cookies. Review their privacy policies.

Last Updated: May 1, 2026

BillShieldUmbrella is committed to ensuring digital accessibility for all users, including those with disabilities.

Accessibility Features

• Keyboard navigation with logical tab order and skip links
• Screen reader support with semantic HTML and ARIA labels
• High contrast text (4.5:1 ratio minimum)
• Resizable text and browser zoom support
• Large click targets (44x44px minimum)
• Mobile accessibility and responsive design

Standards Compliance

We follow WCAG 2.1 Level AA, Section 508, ARIA 1.2, and ATAG 2.0 standards. We conduct automated testing (every release), manual testing (quarterly), and annual third-party audits.

Report Accessibility Issues

Found an accessibility problem? Contact us:

Email: accessibility@billshieldumbrella.com

Response Time: 5 business days

Accessibility Customization

Available in Settings → Accessibility: Large Text Mode, High Contrast Mode, Focus Mode, Reduced Animations.