Privacy policy

The short version

Your financial plan stays on your computer. We only keep what’s needed to give you an account and sign you in.

Your financial plan

Everything you enter into the planner (your profile, accounts, assets, debts, income, spending, plans and history) is saved on your own device: in your web browser’s storage and, if you choose, in a plan file you save on your computer. It is not sent to us or stored on our servers. You can delete it at any time with Reset in the app, by clearing your browser’s data, or by deleting your plan file.

To convert foreign currencies, the app downloads the Bank of Canada’s published daily exchange rates. This request doesn’t include any of your information.

Your account

To create and use an account we keep your email address, a secure (hashed) password if you set one, and, if you sign in with Google or Apple, the basic profile details they share (your name and email address). We also keep records of sign-ins needed to keep your account secure. Accounts are managed by our authentication provider, Supabase, on servers located in Canada.

We use this information only to provide your account, to sign you in, and to send messages about your account (such as confirming your email or resetting your password). We don’t sell it, rent it or use it for advertising.

The community

If you post in the community forum, your display name and everything you post are public: anyone can read them, including search engines. Your email address is never shown. You can edit or delete your posts at any time, and moderators may remove posts that break the community guidelines. Please don’t post personal or financial details you want to keep private.

Cookies

The app uses cookies only to keep you signed in. The website doesn’t use advertising or analytics cookies or third-party trackers.

Premium and payments

When Premium is available, payments will be handled by a payment processor; we won’t see or store your full card details. If you turn on sync, your plan will be stored, encrypted, on servers in Canada so it’s available on your other devices. This policy will be updated before those features launch.

Your choices

You can ask to see, correct or delete the personal information in your account. Deleting your account removes your email address, sign-in details, display name and community posts; your plan on your own computer isn’t affected.

Changes

If we change this policy, we’ll update the date at the top and, for significant changes, let you know by email.