BillFair

Privacy Policy

Effective 10 October 2026

BillFair is operated by Youtilities Pty Ltd (ABN 73 692 274 721) (“we”, “us”, “our”). We are committed to protecting your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

This policy explains what information we collect, how we use and store it, and your rights in relation to that information. Please read it carefully before using the BillFair platform at billfair.com.au.

1. What information we collect

We collect the following categories of personal information:

  • Account information — your email address and business name, provided when you create an account or submit your first comparison.
  • Electricity bill data — when you upload a bill, we extract and store structured data including: your NMI (National Metering Identifier), retailer, distribution zone, billing period, usage (kWh), supply days, and total amount paid. We do not permanently store the original bill image or PDF — it is held in memory during processing only and discarded immediately after extraction.
  • Comparison and switching data — the plans you viewed, saved, or selected, and any switch or plan-change requests you submitted.
  • Contact details provided for switching — if you proceed with a switch, we collect your account holder name and phone number for the purpose of lodging your transfer request with the incoming retailer.
  • Usage data — standard web server logs including IP address, browser type, pages visited, and timestamps. This is used for security monitoring and service improvement only.

2. How we use AI to process your bill

When you upload an electricity bill, the image or PDF is sent to Anthropic’s Claude AI via their API for automated data extraction. Claude reads the bill and returns structured fields (retailer, usage, NMI, etc.) to our platform. The bill image is not retained by us after extraction. Anthropic’s use of data submitted via their API is governed by their Privacy Policy; Anthropic does not use API inputs to train their models.

3. How we use your information

We use your personal information to:

  • Generate and deliver your electricity plan comparison results.
  • Communicate with the incoming energy retailer on your behalf when you initiate a switch or plan change.
  • Send you transactional emails related to your comparison, switch status, and account — including legally required disclosures under the National Energy Retail Law under applicable energy laws.
  • Send you service-related follow-up emails at intervals you would reasonably expect (savings check-ins, contract expiry alerts, annual re-engagement). You may unsubscribe at any time by emailing support@billfair.com.au.
  • Maintain records for our referral fee reconciliation with energy retailers.
  • Show anonymised activity on our website — for example a recent saving found by a business, shown without any identifying detail (no name, contact, address or account number) and identified only by an opaque reference.
  • Comply with our legal obligations.

We do not use your information for direct marketing by third parties or sell your data.

4. Who we share your information with

We may share your personal information with:

  • Energy retailers — when you initiate a switch or plan change, we share your NMI, account holder name, contact email, and phone number with the incoming retailer to process your request.
  • Anthropic — your bill image is transmitted to Anthropic’s API for data extraction as described in Section 2.
  • Resend — our transactional email provider, who processes your email address solely for the purpose of delivering emails on our behalf.
  • Hetzner Online — our hosting provider. Our servers and encrypted backups are located in Germany (EU), so your information is stored outside Australia.

We do not share your information with any other third parties except as required by law.

5. How long we retain your data

  • Account and comparison data — retained for 3 years from your last interaction, then permanently deleted unless you request earlier deletion.
  • Switch records — retained for 7 years for regulatory and financial reconciliation purposes.
  • Bill images — not retained. Processed in memory and discarded immediately after extraction.

6. Your rights under the Privacy Act

You have the right to:

  • Access — request a copy of the personal information we hold about you.
  • Correction — ask us to correct inaccurate or incomplete information.
  • Deletion — request deletion of your personal information (subject to our legal retention obligations). Submit a deletion request via the link in the platform footer, or email support@billfair.com.au with subject “Data Deletion Request”. We will action deletion requests within 30 days.
  • Opt out of marketing — unsubscribe from non-essential emails at any time.

7. Data breach procedures

We maintain security controls including encryption in transit (TLS) and at rest. In the event of a data breach that is likely to result in serious harm to individuals, we will comply with the Notifiable Data Breaches (NDB) scheme under the Privacy Act 1988:

  • Assess the breach within 30 days of becoming aware of it.
  • Notify the Office of the Australian Information Commissioner (OAIC) and affected individuals if the breach is likely to result in serious harm.

8. Complaints

If you have a complaint about how we handle your personal information, contact us first at support@billfair.com.au. We will respond within 30 days. If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC).

9. Changes to this policy

We may update this Privacy Policy from time to time. Material changes will be notified by email to registered users. The effective date at the top of this page will always reflect the current version.

BillFair is operated by Youtilities Pty Ltd · ABN 73 692 274 721 · support@billfair.com.au