Cash Flow

On-Device Statement Analytics & FinTech

Effective Date: October 27, 2026

1. Overview & Commitment to Privacy

At Cash Flow, we hold the conviction that your personal finances are strictly your own business. Cash Flow is engineered from the ground up as a privacy-first, offline-capable mobile application designed to assist you in evaluating personal income, expenditure patterns, and cash flow trajectory from standard bank statements.

This Privacy Policy explains how information is processed when you use the Cash Flow mobile application on Android.

2. Information We Process & How It Is Handled

Cash Flow processes data you provide exclusively for generating visual cash flow analytics, spend categorization, and trend breakdowns:

• Bank Statement Files (PDF & CSV): When you select a statement file from your device, Cash Flow reads and parses transaction rows (dates, payee descriptions, amounts, and balances). This parsing occurs 100% locally on your device.
• Category & Budget Preferences: Any custom spending labels, tags, budget targets, or notes you assign are saved directly within the app's sandboxed local storage.

3. Zero Bank Credential Linking

Unlike traditional fintech tools that demand your internet banking usernames, passwords, or link through third-party aggregators (such as Plaid, Yodlee, or Open Banking APIs), Cash Flow does not connect to any bank servers. You never enter banking credentials into Cash Flow, eliminating credential exposure risks.

4. Device Storage & Data Retention

All parsed data, categorizations, and calculation results reside in the private application storage sandbox allocated to Cash Flow by your device operating system.

You retain absolute control over this data. You may delete individual parsed statements or clear historical summaries within the application at any time. When you uninstall Cash Flow, all locally stored data is permanently deleted from your hardware by Android.

5. Device Permissions Disclosures

Cash Flow only asks for permissions essential to its core utility:

• Read / Document Access: Utilized solely via the system document picker to allow you to select your chosen PDF or CSV statement file. Cash Flow cannot read files outside the documents you explicitly pick.
• Network Access: The app functions entirely offline. Network access is strictly used if you click an external link (such as visiting this privacy policy or the Google Play store listing).

6. Third-Party Analytics & Tracking

Cash Flow does not integrate third-party advertising SDKs, behavioral analytics platforms, cross-app tracking libraries, or profiling telemetry. We do not sell, rent, monetize, or disclose your financial records to advertisers or data brokers.

7. Children's Privacy

Cash Flow does not knowingly solicit or collect personal information from children under 13 (or under 16 where applicable). Because the application operates on-device without remote data ingestion, no identifying information from minors is ever harvested or stored externally.

8. Changes to This Privacy Policy

We may periodically update this Privacy Policy to reflect app enhancements or legal guidelines. Any updates will be published directly to this URL (https://www.uwem.dev/privacy/cashflow) with a revised revision date.

9. Contact Developer

If you have any questions or feedback regarding this Privacy Policy or on-device security within Cash Flow, please reach out directly: