Privacy Policy

1. Information We Collect

We collect the following types of information:

  • Account Information: Email address and encrypted password
  • Financial Data: Income, expenses, investment plans, and credit card payment information that you voluntarily enter
  • Usage Data: How you interact with our service for improving user experience

2. How We Use Your Information

Your information is used to:

  • Provide and maintain the Cash Flow Manager service
  • Calculate financial projections and cash flow analysis
  • Authenticate your access to your personal data
  • Improve our service and user experience

3. Data Security

We take data security seriously:

  • All data is stored in encrypted databases
  • Passwords are securely hashed and never stored in plain text
  • Data transmission is secured with HTTPS encryption
  • Regular security updates and monitoring

4. Information Sharing

We do not sell, trade, or share your personal financial information with unrelated third parties. We may share data with trusted third-party service providers (such as cloud hosting, authentication services, and email delivery) strictly for the purpose of operating and improving the Service. These providers are contractually obligated to protect your information and may only use it for the services they provide to us.

Your financial data remains private and is only accessible to you through your secure account.

5. Data Retention

Your financial data is retained as long as your account is active. You may request account deletion and data removal at any time by contacting us.

We may retain minimal records (such as account or transaction logs) for legal, accounting, or security purposes for up to 2 years after account deletion. This timeframe is subject to change as needed for legal compliance.

6. Minor's Privacy

We do not knowingly collect personal information from children under 13. Users between ages 13-17 may use the Service only with parental or guardian consent.

7. Your Rights

You have the right to:

  • Access your personal data
  • Correct inaccurate information
  • Request deletion of your account and data

8. International Users & Data Transfers

If you access the Service from outside the United States, your information may be transferred to and processed in the U.S. By using the Service, you consent to this transfer.

9. Cookies and Tracking

We use session cookies to maintain your login state. No third-party tracking or advertising cookies are used.

10. Changes to Privacy Policy

We may update this privacy policy from time to time. We will notify users of any material changes.

11. Contact Information

If you have any questions about this Privacy Policy, please contact us through the support channels in your account.

Last updated: February 17, 2026

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