Privacy Policy - Cash Buddy

Last Updated: January 2026

Cash Buddy is committed to protecting your privacy. This policy explains how we handle information when you use our UK budget planning and expense tracking tools.

Information We Collect

Budget and Financial Data (Stored Locally)

When you use Cash Buddy, the following information is stored locally in your browser:

Income amounts and sources
Expense transactions and categories
Bill information and payment dates
Payday settings and countdown preferences
Loan calculations (amount, interest rate, term)
Budget goals and savings targets
Chart preferences and view settings

Important: All your financial data is stored in your browser's local storage. We do not transmit, store, or have access to any of your budget, income, expense, or loan information on our servers.

Analytics Information

We use Google Analytics to understand how visitors use our site. This may collect:

Device type and browser information
Pages visited and time spent on site
Referring websites
General geographic location (country/city level)

Analytics data is anonymized and does not include any of your financial information.

Cookies and Local Storage

Cash Buddy uses:

Local Storage: To save your budget data, expenses, income, bills, and preferences on your device
Session Storage: For temporary calculation states
Analytics Cookies: From Google Analytics to track site usage
Advertising Cookies: From Google AdSense to display relevant advertisements

You can clear your data at any time using the "Clear All Data" button in the app, or by clearing your browser's local storage.

Advertising

Cash Buddy displays advertisements through Google AdSense. Google may use cookies to serve ads based on your prior visits to this website or other websites. You can opt out of personalized advertising by visiting Google's Ads Settings.

Data Security

Your budget and financial data never leaves your device. It is stored locally in your browser and is not transmitted to our servers or any third parties. This means:

No one can access your financial information except you
Your data is as secure as your device
If you clear your browser data, your budget information will be permanently deleted
We recommend backing up important calculations by saving screenshots or exporting data

Your Rights (UK GDPR)

Under UK data protection law, you have rights including:

Access: Your financial data is always accessible to you in the app
Deletion: You can delete your data anytime using the "Clear All Data" button
Portability: You can export or screenshot your budget data

Since we don't store your financial data on our servers, most data rights are already under your direct control.

Third-Party Services

Cash Buddy uses the following third-party services:

Google Analytics: For site analytics (see Google's privacy policy)
Google AdSense: For displaying advertisements
Tailwind CSS CDN: For styling (no data collection)
Chart.js CDN: For data visualization (no data collection)
Intro.js CDN: For user tour feature (no data collection)

Children's Privacy

Cash Buddy is designed for adults managing personal finances. We do not knowingly collect information from children under 13.

Important Disclaimers

Financial Advice Disclaimer

Cash Buddy is a budgeting and calculation tool only. It does not provide financial advice, debt counseling, or professional guidance. For debt management, financial planning, or money advice, please consult:

StepChange Debt Charity
Citizens Advice
MoneyHelper
A qualified independent financial adviser

Calculation Accuracy

While we strive for accuracy, Cash Buddy's loan calculations are estimates. Always verify loan terms, interest rates, and payment schedules with your actual lender or financial institution.

Data Backup Responsibility

Since all data is stored locally in your browser, you are responsible for backing up important budget information. Clearing browser data, using incognito mode, or switching devices will result in data loss.

Changes to This Policy

We may update this privacy policy from time to time. Changes will be posted on this page with an updated revision date.

Contact Us

If you have questions about this privacy policy, please contact us at: hello@cash-buddy.co.uk