Privacy Policy

This Privacy Policy explains what information Cashflow collects, how it is used, and what choices you have. It covers both this website (cashflow.ndl.cc) and the Cashflow mobile applications for iOS and Android.

Who we are

Cashflow is published by William Tyler (“we”, “us”, “our”). The Cashflow mobile apps are check register and account ledger applications for iOS and Android. cashflow.ndl.cc is the marketing and support site for those apps.

If you have questions about this policy or about data we hold, open Cashflow on your device and go to Settings → Send Feedback to reach us.

Information the website collects

The website (cashflow.ndl.cc) does not require an account, and we do not ask you to submit personal information to view it.

We use Google Analytics 4 to count pageviews and understand which pages people read. Google Analytics sets cookies in your browser and may collect technical information such as your IP address, browser type, device type, and the pages you visit. We do not use this data to identify you personally; we use it in aggregate to improve the site.

You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on or by blocking cookies in your browser.

We do not run advertising on the website. We do not sell or share website analytics data with third parties beyond Google itself.

Information the mobile app collects

The Cashflow mobile apps store your financial data — accounts, transactions, categories, scheduled transactions, and settings — on your device only. We do not have a server that stores your financial data, and we do not transmit it off the device as part of normal app operation.

This means:

We cannot see your transactions, balances, or account names.
Your data is not part of any database we operate.
If your phone is lost, stolen, or wiped, the data on it is gone unless you have a backup.

The app may collect basic device-level diagnostics (for example, crash reports) through the operating system’s standard mechanisms (Apple’s TestFlight / App Store diagnostics on iOS, Google Play crash reporting on Android). These are governed by Apple’s and Google’s respective privacy policies, are aggregated, and do not include your financial data.

Backups

If you create a backup using the app’s backup feature, the backup file contains a full snapshot of your Cashflow data. You choose where the backup goes:

Local file — written to your device’s local storage. You control where it ends up if you share it from there.
iCloud Drive (iOS) — stored in your own iCloud account, governed by Apple’s privacy terms.
Google Drive (Android) — stored in your own Google account, governed by Google’s privacy terms.

We do not have access to your backup files. They live in your storage, not ours.

Third-party services

The free version of the Cashflow app shows ads served by Google AdMob. AdMob may collect information such as your device’s advertising identifier, IP address, and general location to serve ads. You can manage ad personalization on iOS via Settings → Privacy & Security → Apple Advertising and on Android via Settings → Google → Ads. The paid version of Cashflow does not include ads or AdMob.

In-app purchases (where applicable) are processed by Apple’s App Store or Google Play, depending on your platform. Payment information goes directly to Apple or Google; we do not receive your payment details.

The website uses Google Analytics 4 for pageview measurement, as described above.

Cookies and similar technologies

The website uses cookies set by Google Analytics 4. These cookies record an anonymous identifier and information about your visit (page, duration, referrer). The mobile apps do not use cookies.

You can clear cookies, block cookies, or use a private browsing mode at any time through your browser’s settings. Doing so will not affect your ability to use the website.

Data retention

We hold the smallest amount of data we can. Google Analytics 4 data is retained for 14 months by default. Support correspondence is retained while it’s useful for resolving an open issue, and we’ll delete it on request within 30 days — see the Data Deletion Request page for the full process.

Children’s privacy

Cashflow is not directed to children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child has provided information to us, use Settings → Send Feedback inside the Cashflow app to contact us and we will take appropriate steps.

California residents (CCPA)

If you are a California resident, the California Consumer Privacy Act gives you the right to know what personal information we collect, to request deletion of personal information we hold about you, and not to be discriminated against for exercising those rights.

Because the Cashflow mobile apps do not transmit your financial data to us, we typically do not hold personal information about you that is tied to the app. The right to delete is, for the mobile app, exercised by deleting data on your device (see the Data Deletion Request page). For website analytics or any support correspondence you’ve sent us, use Settings → Send Feedback inside the Cashflow app to request deletion.

If you are in the European Union, the United Kingdom, or another jurisdiction with similar data protection law, you have rights to access, correct, delete, restrict, or object to processing of personal data we hold about you, as well as the right to data portability. As above, the mobile app does not send your financial data to us, so most of these rights are exercised by managing the data on your device. For website analytics or support correspondence, use Settings → Send Feedback inside the Cashflow app to reach us.

The legal basis for our processing of website analytics is your consent (where required) and our legitimate interest in understanding how the site is used.

Changes to this policy

We may update this policy from time to time. When we make material changes, we will update the Effective Date shown at the top of this page. We encourage you to review the policy periodically.

Contact

Questions, requests, or concerns about this policy: open Cashflow on your device and go to Settings → Send Feedback to reach us.