Legal

Privacy Policy

Last updated October 19, 2026

This Privacy Policy explains how Cashowa(“Cashowa,” “we,” “us”) collects, uses, and protects your information when you use the Cashowa website and mobile app (the “Service”). By using Cashowa, you agree to this policy.

Information we collect

Account information — your email address and name, created when you sign up (authentication is handled by Supabase).
Financial information you provide — income, expenses, budgets, goals, assets, debts, and any transaction data you upload via CSV or PDF. You choose what to share; we never connect to your bank.
Business information — if you use the business tools, details about your business and (optionally) your website URL for analysis.
Free calculators — the figures you type into a calculator are worked out in your browser. If you ask us to email you a result, we keep your email address, those figures and the result, so we can send it and let you continue in a free account, together with a one-way hash of your IP address that we use only to limit abuse. We send that email because you asked for it. We only add you to a mailing list if you tick the separate box offering tips, and you can unsubscribe at any time.
Free AI checks — unlike the calculators, the business health check and the AI visibility checker run on our servers, because that is where the AI is called. What you type is sent to Anthropic (Claude) to write the result. We keep what you typed and the result for up to 30 days, so you can ask for an email and so we can limit abuse and cap what these free tools cost, together with a one-way hash of your IP address. If you ask for the result by email, we treat it as we do a calculator result, as described above.
Usage & device data — basic analytics about how you use the app, and (if you enable notifications) a device push token.
Payment information — handled entirely by our payment processors (PayPal on the web; Apple In-App Purchase via RevenueCat in the iOS app). We do not receive or store your full card details.

How we use your information

To provide the Service — tracking, charts, budgets, net worth, and reports.
To power AI features (chat, planning, bill negotiation, business analysis, and the free business health and AI visibility checks) by sending the relevant context to our AI provider to generate a response.
To process subscriptions and manage your credit balance.
To send notifications you've opted into, and important service messages.
To secure the Service, prevent abuse, and comply with the law.

Connected stores (private beta)

We are opening a private beta that lets sellers connect an online store (for example Etsy, Shopify, WooCommerce, eBay or Amazon) so Cashowa can check their listings and suggest fixes. When you connect a store, this is how we treat it:

How you connect.You approve access on the marketplace's own screen. We never ask for your marketplace password. We start with read-only access and ask for permission to make changes only when you approve your first suggestion.
What we read. Your listings (titles, descriptions, tags, categories, prices, status, photos and their alt text) and, if you allow it, order totals, line items, fees, refunds and payouts.
What we never keep.Your customers' names, postal addresses, email addresses and phone numbers. To count repeat buyers we keep only a one-way hash of an identifier, which cannot be turned back into the person.
Changes to your listings. We change a listing only after you approve that specific change. We keep a record of what changed, and you can undo it as long as the listing has not been edited since. We never overwrite an edit you made yourself.
How long we keep it.Only while the store is connected. When you disconnect a store, or remove our access in the marketplace, we delete that store's data. Marketplace access tokens are encrypted before they are stored.
No sharing.We do not sell or share your store data, and we do not combine it with other sellers' data to show anyone.

Etsy, Shopify, eBay, Amazon and WooCommerce are trademarks of their respective owners. Cashowa is independent and is not endorsed or certified by any of them.

AI processing

When you use an AI feature, we send the information needed to answer your request to Anthropic (Claude). This data is processed to generate your response and is not used to train their models. For a connected store, that means the text of the listings we are suggesting changes to. Cashowa's “verifiable math” design means the figures the AI reports are computed from your own data, not invented.

Service providers we share data with

We share data only with the processors that run the Service, each under their own data protections: Supabase (database, authentication, storage), Vercel (hosting), Anthropic (AI processing), PayPal and Apple / RevenueCat (payments & subscriptions), Google Firebase (push notifications), and analytics/monitoring tools (e.g. Google Analytics, Sentry). We do not sell your personal information.

Data retention & deletion

Calculator results you asked us to email but never opened are deleted after 90 days. What you typed into a free AI check, and its result, is deleted after 30 days. We keep your information for as long as your account is active. You can export all your data as JSON and delete your account at any time from Settings → Profile; deleting your account removes your profile, transactions, plans, and related data. Data from a connected store is kept only while the store is connected, as described under “Connected stores” above.

Security

Data is encrypted in transit (HTTPS) and at rest, and row-level security ensures you can only access your own data. No method of transmission or storage is 100% secure, but we take reasonable measures to protect your information.

Your rights

Depending on where you live, you may have rights to access, correct, export, or delete your personal data. You can do most of this yourself in Settings, or contact us at hello@cashowa.app.

Children

Cashowa is not directed to children under 13, and we do not knowingly collect their data.

Changes to this policy

We may update this policy from time to time. We'll change the “last updated” date above and, for material changes, notify you in the app.

Contact

Questions? Email us at hello@cashowa.app.

Cashowa

Information we collect

Account information — your email address and name, created when you sign up (authentication is handled by Supabase).

Financial information you provide — income, expenses, budgets, goals, assets, debts, and any transaction data you upload via CSV or PDF. You choose what to share; we never connect to your bank.

Business information — if you use the business tools, details about your business and (optionally) your website URL for analysis.

Free calculators — the figures you type into a calculator are worked out in your browser. If you ask us to email you a result, we keep your email address, those figures and the result, so we can send it and let you continue in a free account, together with a one-way hash of your IP address that we use only to limit abuse. We send that email because you asked for it. We only add you to a mailing list if you tick the separate box offering tips, and you can unsubscribe at any time.

Free AI checks — unlike the calculators, the business health check and the AI visibility checker run on our servers, because that is where the AI is called. What you type is sent to Anthropic (Claude) to write the result. We keep what you typed and the result for up to 30 days, so you can ask for an email and so we can limit abuse and cap what these free tools cost, together with a one-way hash of your IP address. If you ask for the result by email, we treat it as we do a calculator result, as described above.

Usage & device data — basic analytics about how you use the app, and (if you enable notifications) a device push token.

Payment information — handled entirely by our payment processors (PayPal on the web; Apple In-App Purchase via RevenueCat in the iOS app). We do not receive or store your full card details.

How we use your information

To provide the Service — tracking, charts, budgets, net worth, and reports.

To power AI features (chat, planning, bill negotiation, business analysis, and the free business health and AI visibility checks) by sending the relevant context to our AI provider to generate a response.

To process subscriptions and manage your credit balance.

To send notifications you've opted into, and important service messages.

To secure the Service, prevent abuse, and comply with the law.

Connected stores (private beta)

How you connect.You approve access on the marketplace's own screen. We never ask for your marketplace password. We start with read-only access and ask for permission to make changes only when you approve your first suggestion.

What we read. Your listings (titles, descriptions, tags, categories, prices, status, photos and their alt text) and, if you allow it, order totals, line items, fees, refunds and payouts.

What we never keep.Your customers' names, postal addresses, email addresses and phone numbers. To count repeat buyers we keep only a one-way hash of an identifier, which cannot be turned back into the person.

Changes to your listings. We change a listing only after you approve that specific change. We keep a record of what changed, and you can undo it as long as the listing has not been edited since. We never overwrite an edit you made yourself.

How long we keep it.Only while the store is connected. When you disconnect a store, or remove our access in the marketplace, we delete that store's data. Marketplace access tokens are encrypted before they are stored.

No sharing.We do not sell or share your store data, and we do not combine it with other sellers' data to show anyone.

Etsy, Shopify, eBay, Amazon and WooCommerce are trademarks of their respective owners. Cashowa is independent and is not endorsed or certified by any of them.

AI processing

Service providers we share data with

Data retention & deletion