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Privacy Policy

CashFloor · cash-floor.com · Last updated: 9 October 2026

This Privacy Policy describes how CashFloor (“we”, “us”) collects, uses, and shares information when you use our website and mobile apps (the “Service”).

1. Who we are

CashFloor is a personal cash-flow planning tool. You enter checking balances, income, expenses, and optional credit-card payments so you can see whether checking stays above your floor. We do not connect to banks or import transactions automatically. We never ask for card numbers or bank logins.

Privacy Officer: Dmitri Egorov
Email: support@cash-floor.com (privacy requests: use subject line “Privacy request”)
For a postal mailing address for privacy correspondence, email us and we will provide it promptly.

2. Information we collect

Depending on how you use the Service, we may process:

• Account data — email address, display name, authentication data (handled by Firebase Authentication; passwords are not stored by us in plain text). Sign-in with Google or Apple if you choose those methods.
• Plan / financial data you enter — checking account names and balances, income and expense items, schedules, credit-card payment amounts and due days, planning settings (e.g. horizon length, low-balance threshold), and optional household membership. This is sensitive information you choose to store with us so we can calculate your plan.
• Consent records — version and time of your consent to store plan data.
• Communications — optional email alerts you enable (e.g. low-balance risk, weekly check-in); account emails (verification, password reset); support messages you send us.
• User ID — a Firebase Authentication UID linked to your account so we can store and sync your plan (app functionality only; not used for tracking ads).
• Technical data — basic server logs needed to operate authentication, cloud storage, and app delivery (e.g. Firebase / Google infrastructure). We do not initialize Firebase Analytics, Crashlytics, or other diagnostics SDKs in the app, and we do not collect Device ID for advertising or analytics in CashFloor itself.

3. Consent

Before we store plan/financial data you enter, we ask for your express consent (checkbox at signup, or a one-time in-app confirmation). You may withdraw consent by closing your account or contacting us. Withdrawal does not affect processing already completed lawfully.

4. How we use information

• Create and secure accounts; verify email when required.
• Store and sync your plan across devices you sign in on.
• Project cash flow and show in-app coaching messages based on your plan.
• Send optional alert emails only when you turn them on in Settings (off by default).
• Prevent abuse, improve reliability and security, and respond to support requests.

We do not sell your personal information. We do not use your plan data for advertising.

5. Sharing

We share data only as needed to run the Service:

• Household members — if you join or create a shared household, members you invite can see the shared plan data for that household.
• Service providers — Google Firebase (Authentication, Firestore, Cloud Functions in the United States us-central1, Hosting), email delivery (Resend), and Apple/Google for app distribution. They process data under their terms to provide infrastructure.
• Legal — if required by law or to protect rights and safety.

We do not share your balances or bills with banks or financial institutions for underwriting or advertising.

6. Retention

• Active accounts: we keep account and plan data while your account is active.
• Account closure: when you close your account (in-app or via delete-account.html), we delete your login, profile, and solo-owned household plan as described on that page, typically within 30 days.
• Inactive accounts: we may delete accounts with no sign-in for 24 months after notice to the email on file, unless you respond to keep the account.
• Invites: household invite codes expire after 7 days.
• Local device cache: a copy of your plan may be stored on the device for faster launch; we clear it on sign-out and account closure on that device.

7. Security

We use industry-standard measures (including HTTPS and managed authentication). No method of transmission or storage is 100% secure.

8. Not a bank or financial advice

CashFloor is a personal planning tool only. It is not a bank, credit union, payment processor, money transmitter, broker, investment adviser, or fiduciary. We do not hold funds, move money, underwrite credit, or guarantee that you will avoid overdrafts or other financial harm.

Projections, low points, alerts, and in-app messages are estimates based solely on numbers and schedules you enter. They can be wrong if balances, dates, or bills are incomplete or outdated. Nothing in the Service is financial, legal, or tax advice. You remain solely responsible for real-world bank decisions and for verifying figures with your own institutions.

9. Children

The Service is not directed to children under 13 (or the minimum age in your region). We do not knowingly collect data from children.

10. Your choices and rights

• Update profile name in Settings.
• Turn optional email alerts on or off in Settings (they start off).
• Sign out or close your account in the app (Settings → Close account).
• Request deletion on the web (no app required): cash-floor.com/delete-account.html
• Access, correction, withdrawal of consent: email support@cash-floor.com. We aim to respond within 30 days.
• Complaints: you may contact the Office of the Privacy Commissioner of Canada (priv.gc.ca). Quebec residents may also contact the Commission d’accès à l’information du Québec (cai.gouv.qc.ca).

11. International processing

Your data is processed in the United States by our infrastructure providers (notably Google Firebase in us-central1 and Resend for email). If you use the Service from Canada (including Quebec), you understand that your information is transferred to and processed in the United States under those providers’ safeguards.

12. Breach notification

If a breach of security safeguards creates a real risk of significant harm, we will notify affected individuals and the Office of the Privacy Commissioner of Canada as required by law, and keep an internal record of breaches.

13. Changes

We may update this policy from time to time. We will post the updated version on this page and revise the “Last updated” date. If changes are material to how we use plan data, we may ask for consent again in the app.

14. Contact

Privacy Officer — Dmitri Egorov
support@cash-floor.com