Privacy Policy

Last updated: January 2026

Forecast My Cashflow is committed to protecting your privacy. This policy explains what information we collect, how we use it, and your rights regarding your data.

Our Privacy-First Approach

We built this tool with privacy as a core principle. Your financial data stays on your device by default. We don't require accounts, and we don't store your cashflow data on our servers. The calculator runs entirely in your browser.

Information We Collect

Information Stored Locally (On Your Device)

When you use the calculator, your data is stored in your browser's localStorage:

  • Cashflow data: Income items, expense items, scenarios, and settings you create
  • Exchange rates: Custom exchange rates you've set
  • Preferences: Theme (light/dark), language selection

This data never leaves your device unless you explicitly export it. We cannot see, access, or recover this data.

Information We May Collect

  • Analytics data: We use privacy-respecting analytics to understand how the site is used. This includes page views, general location (country/region), device type, and browser type. We don't track individual users or personal information.
  • Contact information: If you email us, we'll have your email address and the content of your message.

How We Use Information

We use the limited information we collect to:

  • Understand which features are most useful
  • Identify and fix technical issues
  • Improve the tool based on usage patterns
  • Respond to your questions or feedback

Cookies

We use minimal cookies:

  • Essential cookies: For basic site functionality and your preferences (theme, language)
  • Analytics cookies: To collect anonymous usage statistics
  • Advertising cookies: If ads are displayed, third-party advertising networks may use cookies. See "Third-Party Services" below.

Third-Party Services

We may use the following third-party services:

  • Google Analytics: For anonymous usage statistics. Google's privacy policy applies to data they collect.
  • Google AdSense: For displaying advertisements. Google and its partners may use cookies to serve ads based on your browsing history. You can opt out of personalized advertising at Google's Ad Settings.

These services have their own privacy policies. We encourage you to review them.

Data Sharing & Transparency

We do not sell, rent, or share your personal or financial information with third parties for their marketing purposes. We never sell your data because we never collect your financial data – privacy is built into our architecture. We may share anonymized technical information only:

  • With service providers who help us operate the site (analytics, hosting)
  • If required by law or legal process
  • To protect our rights or the safety of users

Data Security

Since your cashflow data stays in your browser, security is largely in your control. We recommend:

  • Using a secure, up-to-date browser
  • Not using shared or public computers for sensitive financial planning
  • Clearing browser data if using a shared device

Your Rights and Choices

  • Access your data: Your data is already on your device; you can export it anytime
  • Delete your data: Clear your browser's localStorage to remove all saved data
  • Opt out of analytics: Use browser extensions like "Do Not Track" or analytics blockers
  • Opt out of personalized ads: Adjust settings at Google's Ad Settings or use ad blockers

Children's Privacy

This site is not intended for children under 13. We do not knowingly collect information from children.

Changes to This Policy

We may update this policy from time to time. We'll indicate the update date at the top. Continued use of the site after changes means you accept the updated policy.

Contact Us

Questions about this privacy policy can be sent to info@forecastmycashflow.com.