Privacy Policy

1. The short version

FinPlan does not have a server that stores your data. Everything you enter — income, expenses, loans, debts, and any account details — is saved only in your own web browser's local storage, on your own device. It is never transmitted to us or sold to anyone.

2. Information you enter

The financial figures you type into the Budget Planner, EMI Calculator, and Debt Reducer are stored locally on your device so the app can remember them between visits. They remain under your control: you can export them to a file, import them, or permanently delete them at any time from the Settings screen.

3. Optional account information

Creating an account is optional and exists only to add a username and password on your device. This information is stored locally and is never uploaded. Passwords are hashed locally before being stored. Because nothing is held on a server, there is no password recovery — if you forget it, you can clear the data and start fresh.

4. Analytics

If the site operator has configured optional, privacy-respecting analytics (such as Google Analytics), it measures only anonymous, aggregate usage — for example page views, approximate country, and device type. Analytics never sees the financial figures you enter, because those stay in your browser and are never sent anywhere. If analytics is not configured, nothing is loaded.

5. Advertising

If advertising (such as Google AdSense) has been enabled by the site operator, ads are served by a third party in an isolated frame. That frame cannot read FinPlan's stored data or any of your financial information. We do not share your financial data with advertisers. Third-party vendors, including Google, use cookies to serve ads based on a user's prior visits to this and other websites. You can opt out of personalised advertising by visiting Google Ads Settings. If advertising is not configured, no ad code is loaded.

6. Cookies and local storage

FinPlan itself uses your browser's local storage (not tracking cookies) to remember your data and preferences on your device. Any third-party analytics or advertising you've enabled may set their own cookies under their respective privacy policies; you can control these through your browser settings.

7. Children's privacy

FinPlan is intended for a general audience and is not directed at children. Because no personal data is collected on a server, the app does not knowingly gather information from anyone.

8. Your control and data retention

You are in complete control of your data. It stays on your device until you remove it. Clearing your browser data, or using the "Clear all data" / "Delete account" option in Settings, permanently erases it. We retain nothing because we never received anything.

9. Security

Because your data never leaves your device, the biggest factor in its security is your device itself. We recommend using a device passcode and keeping your browser up to date. Note that anyone with access to your unlocked device and browser could view data stored there.

10. Changes to this policy

This policy may be updated to reflect changes to the app. The "last updated" date above will always reflect the current version.

11. Contact

Questions about privacy can be directed to the operator of the site where FinPlan is hosted at hello@planfinancials.org. Because FinPlan is privacy-first by design, the simplest assurance is this: there is no central database of your information to request, correct, or worry about.