Privacy Policy

Last updated: July 1, 2026

1. Zero-Knowledge Architecture

Real Cash Flow is built on a zero-knowledge architecture. This means your personal financial data (income, expenses, assets, liabilities) is encrypted in your web browser using AES-256 before it is transmitted to our servers. We do not have access to your encryption key (your password), and therefore it is mathematically impossible for us to view, read, or sell your financial data.

2. Data We Collect

We collect the following information:

• Email Address: Used for account creation and login.
• Encrypted Payload: Your encrypted financial data.
• Onboarding Data: Answers to our initial CASHFLOW Quadrant questionnaire.
• Log Data: Standard server logs including IP addresses (temporarily) for security and rate-limiting purposes.

3. Cookies and Storage

We use strictly necessary cookies to maintain your login session. We use your browser's Session Storage to temporarily hold your encryption key while you are actively using the application. This key is cleared when you log out or close the tab.

4. Third-Party Services

We do not share your personal information with third parties. We may use third-party analytics (like Google Analytics) or advertising (like Google AdSense) on our public marketing pages. These services may use their own tracking cookies in accordance with their respective privacy policies.

5. Contact Us

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