Privacy Policy
Last updated October 13, 2026.
Rendus is a service of Fy Network, Inc., a Delaware corporation, 305 Lechner Circle, Annandale, NJ 08801, United States ("Rendus", "we", "us"). Rendus helps people who share costs keep track of them. This page says what we collect, why, who else sees it, how long we keep it, and what you can do about it. We do not sell your data and we do not show ads.
1. What we collect
| What | Why |
|---|---|
| Your email, your name, and a phone number if you give one | To sign you in and to reach you. A phone is used for texts only if you or a group you are in set it up. |
| Bills, photos, PDFs and receipts you give us or forward, and what is read from them | To work out each person's part and show it to you. |
| Names, phone numbers and emails of people you add to a group, a bill, a receipt or an agreement | To send them their part. You are responsible for having the right to give us these. |
| Amounts, dates, who paid and who said they paid, agreements between two people and their payments | This is the shared record that keeps everyone's balance correct. |
| Messages we sent and received about your bills (text and email) | To show what was sent, to handle replies such as PAID or STOP, and to investigate problems. |
| Your plan, and how many AI reads and texts you have used | To apply the limits of your plan and to bill you. |
| A hashed (not readable) form of your network address when you sign in, and how long your session lasts | Security and sign-in limits. |
| Product events in our own database, such as "first bill created" | To see whether Rendus works and to fix it. No third-party analytics or advertising trackers are used. |
| If you connect a bank: the bank's name, account names and the last digits of account numbers, and transactions (date, amount, merchant or description) | To match payments you made or received against bills and agreements, so you do not have to mark them paid by hand. |
| If you turn on notifications: a push address for your browser or device | To send you notifications about your bills. |
We do not collect your card number (Stripe does), your bank login or password (Plaid handles that), or the password to any account of yours.
2. Cookies
One cookie keeps you signed in. It is needed for the service and is not used for tracking. We use no advertising or analytics cookies.
3. Gmail and Outlook
If you connect a mailbox, Rendus asks for read-only access. It looks for messages that appear to be bills, and reads those, to propose a bill for you to approve. Rendus cannot send, delete, move or change anything in your mailbox, and never sends from it. You can disconnect at any time, and disconnecting stops all reading.
Rendus's use of information received from Google APIs follows the Google API Services User Data Policy, including the Limited Use requirements. We use mailbox data only to provide the bill features you see in Rendus. We do not use it for advertising, do not sell it, do not transfer it to others except to provide those features (for example to the AI services in section 4, under the conditions there) or as the law requires, and no person at Rendus reads it except with your permission, for security, or where the law requires. The same applies to Outlook data.
4. AI
To read a bill or photo, and sometimes a short reply, Rendus sends the relevant text, image or file to an AI model. When Rendus provides the AI, the request goes through OpenRouter with instructions to use only model providers that do not retain the content and do not use it for training (zero data retention). AI output is a suggestion: you confirm before anything is sent to anyone.
You can instead use your own AI key (Anthropic, OpenAI or OpenRouter), or connect your own OpenRouter account. Then your content goes to the provider you chose, under your agreement with that provider and its own privacy terms, not ours. Rendus refuses providers it does not allow for bills and messages. Your key is stored encrypted, is used only for your requests, and is deleted when you remove it or delete your account. A key from a connected OpenRouter account can also be revoked from that account.
5. Bank connections (Plaid)
Connecting a bank is optional. Rendus uses Plaid Inc. to connect to your bank, only with your consent, given through Plaid Link. You enter your bank login in Plaid Link, not in Rendus; Rendus never sees it. Rendus asks Plaid only for read-only transaction data. Rendus cannot move money, make payments or change anything at your bank.
The access token Plaid gives us is stored encrypted. You can disconnect a bank at any time in Rendus; disconnecting revokes Rendus's access at Plaid and deletes the accounts and transactions that bank supplied. Deleting your Rendus account does the same for every bank you connected.
Plaid's handling of your data is described in the Plaid End User Privacy Policy. By connecting a bank, you agree that Plaid may collect, use and share your information as that policy describes.
6. Who else handles data
| Who | For what |
|---|---|
| OpenRouter and the AI model providers it routes to, with zero data retention; or the AI provider of your own key | Reading bills, photos and replies |
| Plaid, only if you connect a bank | Read-only bank transactions |
| Twilio | Sending and receiving text messages |
| Resend | Sending and receiving email |
| Stripe | Payment for Rendus Plus and top-ups, invoices and tax. Charges are made by Fy Network, Inc. |
| Vercel and our managed database provider | Running the service and storing data |
| Your browser or device maker's push service, only if you turn on notifications | Delivering notifications |
| Google or Microsoft, only if you connect a mailbox | Letting Rendus read it, read-only |
The other people on a bill, receipt or agreement see what is on it: the bill, their part, the person owed, and the dates. They do not see your other bills. We may disclose information if the law requires it or to protect people from harm. If Fy Network, Inc. is involved in a merger, sale or similar transaction, information may pass to the new owner under this policy.
We do not sell your personal information and do not share it for advertising.
7. Texts
If you give a phone number, or someone gives yours, Rendus sends texts about bills and agreements that concern you: your part of a bill, a reminder about an agreement you accepted, answers to your replies. Message frequency varies with your bills. Message and data rates may apply. Reply STOP to stop texts at any time, and HELP for help. A text reminder is sent only after you have taken part in something with that sender, and you can block or mute a sender from the link in the message without an account. We do not share phone numbers or text content with third parties for their marketing.
8. How long we keep things
| Data | Kept |
|---|---|
| Sign-in links, codes, and rate-limit records | Days; expired ones are deleted nightly |
| Sessions after they end | 30 days |
| Log of messages sent and received | 180 days |
| The raw email a bill arrived in | 90 days |
| The file a bill was read from | 400 days |
| Usage records for billing | 400 days after they are reported |
| Bank connections and the transactions they supplied | Until you disconnect the bank or delete your account |
| Bills, shares, agreements, payments and the ledger | While the people on them need the record; see section 9 for when you leave |
9. Your choices
- Download. From the Plan page you can download everything we hold about you as JSON or CSV.
- Delete. From the Plan page you can delete your account. This erases your name, email, phone, sign-ins, contacts, AI keys, bank connections (revoked at Plaid first) and their transactions, and the messages about you. The bills, shares, agreement payments and ledger lines you took part in stay for the other people on them, with your name replaced by "Former member", so that what they owe and are owed stays correct. A group you own that still has other people in it must be handed to someone first.
- Correct. You can change your name and contact details in Rendus, or ask us to.
- Stop messages. Reply STOP, or use Block, Stop reminders or Report on any link page.
- Disconnect. Remove a mailbox, a bank or an AI key at any time.
For any privacy request you cannot do in the app, or a question about this policy, email privacy@rendus.org, or write to Fy Network, Inc., 305 Lechner Circle, Annandale, NJ 08801. We may need to confirm it is you before acting on a request.
10. Security
Connections are encrypted. Mailbox access, bank access tokens and AI keys are stored encrypted. Links we send for a bill or receipt expire. We limit who inside Rendus can see data. No system is perfectly secure. If a breach affects your information, we will tell you as the law requires.
11. Age
Rendus is for people 18 and older. We do not knowingly collect data from anyone younger.
12. Changes
If we change this policy in a way that matters, we will tell you in Rendus or by email before it applies.