Privacy Policy
Effective: March 1, 2026
Cashflow (cashflow.tech) is a personal financial management service built and operated by Adam Messinger. It helps users track spending, categorize transactions, monitor recurring bills, and analyze cash flow trends.
What we collect
- Google account info: name, email address, and profile picture — used solely for authentication via Google Sign-In.
- Financial data: bank transaction records, account metadata (institution name, account type, last four digits), and balances — imported via Plaid or CSV upload. This data is stored in a private database and is never sold to third parties.
- User classifications: categories, tags, parties, and rules you create to organize your transactions.
How we use your data
All data is used exclusively to provide financial tracking and analysis features within the Cashflow service. We do not sell or distribute user data to third parties for their own purposes.
AI assistant integrations
Cashflow can be connected to AI assistants (such as ChatGPT, Claude, or other MCP-compatible clients) via an authorized API. When you use Cashflow through an AI assistant:
- Your queries and Cashflow's responses flow through the AI provider's systems. The AI provider's own privacy policy governs how they handle that data.
- Cashflow only shares data you explicitly request through tool calls (e.g., spending summaries, transaction lists). No bulk data export occurs.
- You can disconnect Cashflow from any AI assistant at any time by revoking access in your Cashflow account settings or the AI provider's settings.
Third-party services
- Google OAuth: for authentication only.
- Plaid:for optional bank account connections. Plaid's own privacy policy applies to data processed through their service.
- Vercel: hosting infrastructure.
- Turso: database hosting.
Data retention and deletion
Data is retained for as long as your account is active. To request deletion of all your data, email help@cashflow.tech with the subject "Data Deletion Request" and your account email. We will delete all associated data within 30 days and confirm by email.
Contact
For questions about this policy, contact help@cashflow.tech.