Privacy Policy

1. Introduction

Cash Balancer ("we," "our," or "the App") is a personal finance application designed for young people ages 16 and older. We are committed to protecting your privacy. This Privacy Policy explains what information the App collects, how it is used, and your rights regarding that information.

2. Information We Collect

Cash Balancer collects only the information you voluntarily provide, including:

• Your email address and name (for account creation and login)
• Financial data you enter: income, expenses, debts, budgets, assets, and investment portfolios
• Photos of financial documents you choose to capture (receipts, paychecks, statements)
• Voice recordings when you use voice features (processed in real-time, not stored)
• Conversations with Cash AI™ (to provide personalized financial guidance)
• Anonymous usage analytics (app opens, page views) with no personally identifiable information

We do not collect, access, or store:

• Bank account credentials or financial login information
• Social Security numbers or government-issued identification
• Location data, contacts, or browsing history
• Any data from third-party financial institutions or services

3. How We Use Your Information

The information you provide is used to:

• Display your personalized budget and financial overview
• Track income, expenses, and cash flow
• Calculate debt payoff plans and strategies
• Power Cash AI™ — our AI financial coach that provides personalized guidance, document explanations, and scenario modeling based on your financial data
• Analyze investment portfolios and provide market insights
• Detect emotional biases in investment decisions and provide coaching
• Send you proactive financial nudges and reminders
• Extract text from financial document photos
• Sync your data across devices when signed in

4. Third-Party Services

Cash Balancer uses the following third-party services to provide its features:

• Firebase (Google) — Authentication and secure data storage
• AI Services — Document extraction, financial coaching, and scenario analysis (your data is sent securely to generate responses and is not used to train AI models)
• Market Data Providers — Real-time stock prices and analyst data for portfolio analysis
• Meta SDK — Ad attribution and anonymous app event tracking (you can opt out via the App Tracking Transparency prompt)

We do not share, sell, rent, or trade your personal or financial information with any third parties for marketing purposes. Data sent to third-party services is used solely to provide app features and is protected by industry-standard encryption.

5. Free Web Debt Calculator

Our free Debt Calculator at cashbalancer.com/debt-calculator lets you upload checking, savings, credit card or loan statements, or type in your debts, without creating an account. When you use it:

• Your documents are not stored. Each file is sent securely to our AI Services to read the numbers (balance, APR, minimum payment, interest and fees charged, income deposited, and spending totals by category), then discarded.
• We keep the numbers, not your identity. We store the extracted and entered figures (balances, rates, payments, income and spending totals by category, debt types, and lender or bank names) with a random session ID so we can review how the tool is used and improve it. We never ask for your name or email, and we instruct the AI not to capture account numbers, names, or addresses.
• Cash Balancer Report (voice). If you play the spoken report, only the calculated totals and percentages are sent to our AI Services to write and voice it — never your documents, store names, or lender names. The audio is not stored.
• Abuse prevention. To enforce free daily limits, we record a keyed one-way hash of your IP address that changes every day (never the address itself). It is used only for those limits, is not stored with your calculator data, and is deleted after 7 days. We also note your browser type with the session to help spot abuse.
• Retention. Calculator session data is kept for up to 12 months, then deleted.

The AI Services described in section 4 process these uploads under the same terms: your data is not used to train AI models.

6. Data Security

We use industry-standard security measures to protect your data, including encryption in transit and at rest, secure authentication, and access controls. Face ID authentication is available for additional device-level security. We regularly review our security practices to ensure your information remains protected.

7. Children's Privacy

Cash Balancer is designed for users ages 16 and older. We do not knowingly collect personal information from children under 16. If you are a parent or guardian and believe your child under 16 has provided personal information through the App, please contact us and we will assist you in deleting that information.

8. Data Deletion

You can delete your account and all associated data at any time through the App's Settings. Upon account deletion, all of your financial data, conversations, and personal information will be permanently removed. You can also contact us at support@cashbalancer.com to request data deletion.

9. Your Rights

You have the right to:

• Access all of your data (it is always available within the App)
• Delete your account and all associated data at any time
• Opt out of ad tracking via the App Tracking Transparency prompt
• Use the App as a guest without creating an account (limited features)
• Contact us to request a copy of your data or ask questions about how it is used

10. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be reflected within the App and on our website at cashbalancer.com/privacy. We encourage you to review this policy periodically.

11. Contact Us

If you have any questions about this Privacy Policy, please contact us at:

support@cashbalancer.com