A computer-implemented method for managing a billing policy for mobile phone associated with a first phone number corresponding to a first account and a second phone number corresponding to a second account is described herein. The billing policy defines actions performed by the mobile phone to be charged to the first account, and defines actions performed by the mobile phone to be charged to the second account. Charges are allocated to one of the first account and second account based on the billing policy. A user can configured to phone to operate in a private mode, in response to which actions are charged to a default account of the two accounts, and information about the action is not provided to an external entity.