Legal

Privacy Policy

Effective date: November 12, 2026

This Privacy Policy explains how Scandinavia consulting LLC, a Wyoming limited liability company (“Scandinavia Consulting LLC,” “we,” “us,” or “our”), handles information in connection with the Fjordbill mobile application for Android and iOS (the “App”) and the website at https://fjordbill.com (the “Site”).

Fjordbill is an offline-first invoicing and estimating app. You do not create a Fjordbill account. Invoice, client, and business data you enter is stored on your device. We do not operate a Fjordbill cloud service that receives, stores, or syncs that data.

1. Who we are

Scandinavia consulting LLC
30 N Gould St
Sheridan, WY 82801
USA

Email: [email protected]
Website: https://fjordbill.com

2. A short overview

• No Fjordbill account. The App works without signing up with us.
• On-device storage. Your business profile, clients, invoices, estimates, payments, and related files are saved in a local database on your phone or tablet.
• We do not collect your invoices. We do not receive your invoice contents, client lists, signatures, receipts, or payment-link details unless you choose to send them to us (for example, by emailing support).
• Sharing is your choice. Data leaves your device when you share, print, export, or back up, or when you use Apple or Google subscription billing, or when you contact us.
• No advertising or analytics SDKs in the App. The current App does not include third-party analytics, advertising, or crash-reporting software.

3. Information stored on your device

The App stores the information you enter or generate in a local SQLite database (and a small on-device setting that remembers whether Pro is unlocked). This can include:

Business profile and settings

• Business name, owner name, address, phone, email, website, and taxpayer identification number (such as an EIN), if you enter them
• Logo image, if you add one
• Invoice and estimate numbering, default notes and terms, tax rates, hourly rate, reminder and late-fee preferences, and appearance settings
• A payment link, label, and note that you provide (for example, a Venmo, PayPal, Stripe, or Zelle link) so the App can print a “pay now” QR code on your documents

Clients and catalog

• Client names, contacts, email addresses, phone numbers, addresses, notes, and tax or payment-term defaults
• Item catalog entries (names, descriptions, prices, costs, units)

Documents and money records

• Invoices and estimates, including numbers, dates, line items, discounts, tax, shipping, deposits, notes, terms, purchase-order numbers, status, templates, and recurring settings
• Payments you record (date, amount, method, note)
• Job costs and optional receipt images
• Time entries from the timer

Signatures and security settings

• Client signatures captured in the App (stored as an image on the device, with the signer name and time)
• An app-lock setting. If you set a PIN, the App stores a one-way hash of the PIN and a random salt. The PIN itself is not stored. Optional Face ID / fingerprint unlock uses your device’s biometric systems; we do not receive or store biometric templates.

Files you import

• Clients or catalog items you import from a CSV file you select
• Data restored from a Fjordbill backup file you select

This on-device information stays on the device unless you take an action described in Section 4. Uninstalling the App removes the App’s local database from that device. Copies you previously exported, shared, or saved elsewhere are not removed by uninstalling.

Android Auto Backup for the App is turned off, so the App’s database is not included in Google’s automatic app-data backup.

The local database is not separately encrypted by the App. It is protected by your device’s ordinary storage protections (and by the optional app lock). Encrypted backups are available as a Pro feature, as described below.

4. When information leaves your device

4.1 Actions you initiate

The App does not upload your invoices to a Fjordbill server. Information can leave the device when you:

• Share or send a PDF of an invoice, estimate, or statement through the system share sheet, or open your email app with a message you review and send
• Print a document using the system print sheet
• Export a CSV (reports, accountant export, or a file you later import into another app such as SovereignLedger)
• Create a backup. The App writes a .fjordbill file and lets you save or share it where you choose (for example Files, iCloud Drive, or Google Drive). A free backup is a compressed copy of your database. A Pro backup can be encrypted with a passphrase you choose (AES-256-GCM). We do not host these backup files.
• Send a reminder. The App can show a local notification and prepare a reminder message. You review and send that message yourself through your own email, messaging, or share tools. Fjordbill does not send the reminder to your client for you.
• Open a payment link, phone number, or email address in another app on your device
• Contact us (see Section 4.4)

The destination you pick (your email provider, a cloud-storage account, a printer, a messaging app, or another person) will handle that data under that destination’s own terms and privacy policy. We are not responsible for those third parties.

4.2 Payment links on your invoices

If you add a payment link, the App stores it on your device and can print it as text and as a QR code on PDFs you generate. When a client uses that link or code, the payment is processed by the service you chose (such as Venmo, PayPal, Stripe, or Zelle), not by Fjordbill. We are not a payment processor for your client invoices and do not receive your clients’ card numbers or bank details.

4.3 Fjordbill Pro subscriptions (Apple and Google)

Fjordbill Pro is sold as an auto-renewing in-app subscription through the Apple App Store (StoreKit) or Google Play Billing, using the official in-app purchase libraries. We do not collect your credit or debit card number.

Apple or Google will process the purchase with the account signed in on your device. They may process information such as your store account, subscription product, price, trial status, and purchase or restore history, under Apple’s or Google’s privacy policies:

• Apple: https://www.apple.com/legal/privacy/
• Google: https://policies.google.com/privacy

The App receives a purchase result on the device so it can unlock Pro features, and it may store a local flag that Pro is active. We do not operate a receipt-validation server, and the current App does not use a third-party subscription SDK.

Prices and taxes shown in the store may be localized. Manage or cancel a subscription in your App Store or Google Play account settings. See our Terms of Use for subscription details.

4.4 Support and other contact

If you email [email protected] or otherwise contact us, we receive the information you include (such as your email address, name, device or App details, and the content of your message). We use this to respond and to support or improve the App. We keep this correspondence only as long as needed for those purposes or as required by law.

4.5 The website

The Site is provided to describe Fjordbill and to host this policy and our Terms of Use. Visiting the Site does not upload your invoices to us.

The Site may be delivered by a hosting or content-delivery provider that automatically processes ordinary technical data (such as IP address, browser type, requested pages, and timestamps) in server logs to operate, secure, and diagnose the Site. We do not use the Site to collect your client lists or invoice files.

5. Information we do not collect in the App

In the current App we do not:

• Require or create a Fjordbill user account
• Sync your database to a Fjordbill cloud
• Include third-party analytics, advertising, or crash-reporting software
• Access the advertising identifier (AAID / IDFA)
• Track you across other companies’ apps or websites
• Sell your personal information

Device permissions the App may use (notifications, biometrics, camera or photo picker, and network access for store billing) are used only for the features described in this policy.

6. How we use information we actually receive

When we receive information under Section 4.4 or technical Site logs under Section 4.5, we use it to:

• Respond to your requests and provide support
• Operate, secure, and maintain the Site
• Meet legal, tax, accounting, or compliance obligations
• Protect our rights and investigate misuse

We do not use this information for cross-context behavioral advertising.

7. When we share information

We do not sell personal information and we do not share it for cross-context behavioral advertising.

We may share information we hold (for example, a support email) only:

• With service providers that help us operate email, domain, or website hosting, under obligations to use the information only to provide that service
• With Apple or Google, to the extent a subscription is processed by the applicable store (they collect that information as described in Section 4.3)
• If you ask us to, or you otherwise choose to include information in a message to us or to someone else
• For legal reasons, if we believe disclosure is required by law, regulation, legal process, or a valid government request, or to protect rights, safety, or property
• In a business transfer, such as a merger, acquisition, or sale of assets, subject to appropriate protections

We do not have access to the invoice database on your device and cannot share that database from our systems.

8. Retention and deletion

On your device. You can edit or delete individual clients, documents, payments, and other records in the App. You can also uninstall the App, which removes its local database from that device. Backups, PDFs, CSVs, or other copies you saved or sent elsewhere remain where you put them until you delete them there.

Information we hold. Support correspondence and any Site logs we control are kept only as long as reasonably needed for the purposes above, then deleted or anonymized, unless a longer period is required by law.

Requests to us. Because we do not host your invoice database, we cannot remotely delete data that exists only on your device. To delete that data, use the App or uninstall it, and delete any backups you created. If you want us to delete support emails or other information we hold, email [email protected]. We will complete valid requests as required by applicable law, after we take reasonable steps to confirm the request.

9. Security

We design the App so that invoice data does not have to travel to our servers. Additional protections include:

• Optional app lock (hashed PIN and optional device biometrics)
• Optional passphrase-protected backup files for Pro users (AES-256-GCM)
• Android Auto Backup disabled for the App
• Communication with Apple or Google for subscriptions, and with the Site, uses ordinary encrypted internet transport (HTTPS / TLS)

No method of storage or transmission is completely secure. You are responsible for controlling access to your device, choosing a strong backup passphrase if you use encrypted backups, and being careful with files you share.

10. Children

Fjordbill is a business invoicing tool. It is not directed to children, and we do not knowingly collect personal information from children under 13. If you believe a child under 13 has provided us personal information, contact us and we will delete information we hold.

11. U.S. state privacy rights (including CCPA / CPRA)

If you are a resident of California or another U.S. state that grants similar rights, you may have some or all of the following rights regarding personal information we hold, subject to legal exceptions:

• Know / access the categories and specific pieces of personal information we have collected about you, the sources, the purposes, and the categories of third parties to whom we disclose it
• Delete personal information we hold
• Correct inaccurate personal information we hold
• Opt out of sale or sharing of personal information, including sharing for cross-context behavioral advertising
• Limit the use and disclosure of sensitive personal information (to the extent we have any)
• Non-discrimination for exercising your rights
• Use an authorized agent to make a request, subject to verification

We do not sell personal information, and we do not share it for cross-context behavioral advertising. If that changes, we will update this policy and provide a required opt-out method.

Categories. From the App, we do not collect your invoice or client database onto our systems. Categories we may have, if you contact us or visit the Site, include identifiers (such as email address or IP address), customer-service correspondence, and ordinary internet or device information in logs. We do not use or disclose sensitive personal information from the App for purposes that require a separate “limit the use” control, because we do not collect your on-device business records.

To exercise a right, email [email protected] with enough detail for us to understand and verify the request. We may need to confirm your identity (for example, from the email address you used to contact us). We will respond within the time required by applicable law. You may also appeal a decision by replying to our response and saying that you wish to appeal.

These disclosures are provided for transparency. Depending on our size and activities, a particular state privacy statute may or may not apply to us at a given time.

12. International users

We are a Wyoming company and the App and Site are operated from the United States, for a U.S. audience. If you use Fjordbill from another country, information you send us may be processed in the United States.

13. Changes

We may update this Privacy Policy from time to time. We will post the revised policy on the Site and change the effective date. If changes are material, we will provide a more prominent notice when required. The updated policy applies from its effective date.

14. Contact

Questions about this Privacy Policy or our privacy practices:

Scandinavia consulting LLC
30 N Gould St
Sheridan, WY 82801
USA

[email protected]