Privacy Policy

1. Introduction

CashTalk (“we”, “our”, or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our expense tracking and money coaching service.

Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the Service.

2. Information We Collect

2.1 Account Information

When you create an account, we collect:

• Email Address: Used for account login and communication
• Password: Securely hashed and never stored in plain text
• Account Creation Date: For account management purposes

2.2 Financial Data You Provide

We collect expense information that you voluntarily enter:

• Expense Amounts: The dollar amounts you record
• Categories: How you categorize your spending
• Descriptions: Optional notes you add to expenses
• Dates: When expenses occurred

Important: We do NOT collect bank account numbers, credit card numbers, social security numbers, or any sensitive financial credentials. All expense data is manually entered by you.

2.3 Automatically Collected Information

When you access CashTalk, we may automatically collect:

• Log Data: IP address, browser type, operating system, access times
• Usage Data: Features used, time spent in app
• Device Information: Device type for optimizing your experience

2.4 Payment Information

For premium subscriptions, payment processing is handled by Stripe. We do NOT store your credit card information on our servers. Stripe's privacy policy governs their handling of your payment data.

3. How We Use Your Information

We use the information we collect to:

• Provide and maintain the CashTalk service
• Calculate your spending statistics and generate insights
• Process premium subscription payments
• Send important account notifications
• Respond to your support requests
• Improve and optimize our service
• Comply with legal obligations

4. Data Sharing

We do NOT sell, trade, or rent your personal information to third parties. We may share data only in these limited circumstances:

• Service Providers: With Stripe for payment processing
• Legal Requirements: If required by law or to protect rights
• Business Transfers: In connection with a merger or acquisition

5. Data Security

We implement appropriate security measures to protect your data:

• HTTPS encryption for all data transmission
• Secure password hashing (bcrypt)
• JWT-based authentication
• Regular security updates

However, no method of transmission over the Internet is 100% secure. While we strive to protect your data, we cannot guarantee absolute security.

6. Your Rights (GDPR & CCPA)

You have the right to:

• Access: Request a copy of your data (Premium feature: Export)
• Correction: Update your account information
• Deletion: Delete your account and all associated data
• Portability: Export your data in a standard format
• Withdraw Consent: Stop using the service at any time

To exercise these rights, use the in-app features or contact us at privacy@cashtalk.cash.

7. Data Retention

We retain your data for as long as your account is active. When you delete your account:

• Your expense data is permanently deleted
• Your account information is removed
• We may retain anonymized, aggregated data for analytics

8. Cookies

We use essential cookies to:

• Keep you logged in
• Remember your preferences
• Ensure the app functions correctly

You can control cookies through your browser settings. Disabling cookies may affect app functionality.

9. Children's Privacy

CashTalk is not intended for users under 18 years of age. We do not knowingly collect information from children. If we discover we have collected data from a child, we will delete it promptly.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on this page and updating the “Last Updated” date.

11. Contact Us

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