Privacy Policy
🔒 Everything you enter into CashFlowEngine.app — your ages, balances, income, and spending assumptions — stays on your device and is never transmitted anywhere. Optional anonymous usage analytics are off by default and only run if you turn them on; see "Anonymous Usage Analytics" below for exactly what that includes.
CashFlowEngine.app ("the App") is a retirement cash flow calculator designed to help individuals model their financial future. We are committed to your privacy. This policy describes how the App handles information, including the limited, anonymous analytics data described below.
CashFlowEngine.app does not collect, store, transmit, or share any of your personal or financial planning information. Specifically, we do not collect:
All information you enter into CashFlowEngine.app — including retirement ages, account balances, income figures, and spending assumptions — is stored exclusively on your device using the device's local storage. This data:
These analytics are off by default. The App sends no usage data at all unless you turn on "Anonymous Usage Analytics" in Preferences → Your Data. If you never turn it on, this whole section does not apply to you and nothing described here is ever sent.
When you switch it on, the App uses Vercel Web Analytics, a privacy-focused service from our hosting provider, Vercel Inc., to understand overall traffic. It then sends the following anonymous, aggregate technical information to Vercel's servers on each visit:
This is the same category of information a web server logs by default — it does not include anything you type into the App. None of your names, ages, balances, income, spending, tax settings, or simulation results are ever included in this data, because that information never leaves your device in the first place (see "How Your Data Is Stored" above).
The service uses no cookies or persistent device identifiers and cannot identify you individually or link your visits across other apps or websites. Visitors are distinguished only by a one-way hash of the incoming request, which is automatically discarded after 24 hours. For Vercel's own technical documentation on exactly what is collected, see their Web Analytics privacy policy. Turning the setting back off stops all of it immediately, and turning on the App's Local-Only Mode overrides the setting entirely — while that is on the App makes no network requests at all.
The App's fonts are bundled into the App itself rather than loaded from a third party, so opening the App reveals nothing to any font host. CashFlowEngine.app does not use any advertising networks, third-party trackers, or data-sharing services beyond the optional Web Analytics described above.
CashFlowEngine.app requires no account creation, login, or registration. You can use the full functionality of the App without providing any identifying information.
CashFlowEngine.app is not directed at children under the age of 13. We do not knowingly collect any information from children.
If we ever change this privacy policy in a material way — for example, adding or removing a third-party service, or changing what data it collects — we will update the effective date above and note the changes in the App's release notes.
Update, September 8, 2026: Anonymous Vercel Web Analytics is now OFF by default and only runs if you opt in (Preferences → Your Data). The Vercel Speed Insights performance-metrics service was removed entirely and is no longer used. App fonts were moved in-app so nothing is fetched from a third-party font host.
Update, July 21, 2026: This policy was revised to accurately disclose the anonymous Vercel Web Analytics and Speed Insights services described above, which were already in use but had not previously been disclosed here. Nothing about what these services collect changed; only this policy's description of it did.
If you have any questions about this privacy policy, please contact us at:
privacy@retireplan.app