1. Who operates Cashrou
Cashrou is operated by XCAVAR LLC, Miami, Florida, United States. Privacy questions may be sent to info@xcavargroup.com.
2. Information stored in the app
Depending on how you use Cashrou, the app may store the following information locally on your device. Apart from your profile information, described in section 4, none of it is transmitted to us:
- Profile information such as first name, last name and email address.
- Account names, balances, ownership percentages and whether an account is shared.
- Income, bills, recurring items, subscriptions and reimbursements.
- Pay schedules, pay cycles, buffers, allocations and paid or unpaid status.
- Debt balances, annual percentage rates, minimum payments and payoff preferences.
- Goals, emergency-fund targets, business entries and net-worth snapshots.
- Language preferences, onboarding status and app settings.
3. How information is processed
The current version processes financial information on your device to calculate paycheck leftovers, debt payoff projections, net worth, goals, recurring costs and related summaries.
4. Information transmitted to Cashrou
Cashrou never sends your financial records to Cashrou or XCAVAR LLC. Your balances, bills, debts, income, goals and allocations stay on your device.
Two limited categories of information do leave your device:
- Account information. When you create an account, your first name, last name and email address are sent to our authentication provider so we can email you a verification code, confirm it, and let you sign in. Your sign-in tokens are stored in the iOS Keychain on your device.
- Subscription status. Whether you have an active Cashrou Pro subscription or free trial is provided to the app by Apple. We never receive your card number, billing address or any other payment details.
If you contact support by email, you may choose to provide contact details, screenshots, diagnostic information or other content. Support communications are processed only to respond to your request and maintain service records.
5. Bank connections, cloud sync and third-party services
Cashrou does not connect to banks, store bank credentials or use Plaid. Bank connectivity referenced in the app or in development materials is a future roadmap item and is not active. Cashrou does not synchronize your financial records to the cloud; they remain on your device.
We use a small number of service providers to operate the app. They process information only on our instructions and may not use it for their own purposes:
- Supabase hosts our authentication service and stores your name, email address and session records so you can verify your email and sign in.
- Apple distributes the app, processes subscription payments and, if you opt in through iOS, may share anonymous crash and usage diagnostics with us. Those diagnostics are aggregated and contain no financial information.
We may also disclose information where legally required, or to protect our rights or the safety of others.
6. Device backups
Your operating system may include app data in device backups depending on your Apple settings. Those backups are controlled by Apple and your device configuration, not by Cashrou.
7. Data retention
Local app data remains on your device until you edit it, erase it through Cashrou settings, delete the app, or restore your device from another backup. Support emails may be retained for as long as reasonably necessary to address the request, document the interaction and meet legal obligations.
8. Data deletion
You can erase local financial data through Cashrou’s Settings area. Deleting the app generally removes locally stored app data from the device, subject to any device backup retained by your operating system.
To delete your account, including the name and email address held by our authentication provider, email info@xcavargroup.com and we will remove it within 30 days, other than anything we must retain to meet legal or accounting obligations. Deleting your account does not cancel an App Store subscription, which must be managed through your Apple Account settings. See the Delete Account & Data page for instructions.
Depending on where you live, you may have additional rights over your personal information, including access, correction, deletion and portability. Contact us and we will honour them.
9. Security
Cashrou relies on iOS application sandboxing and device-level protections. No system can guarantee absolute security. You are responsible for protecting access to your device and Apple account. See Security Practices.
10. Children
Cashrou is not directed to children under 13, and we do not knowingly collect personal information from them. If you believe a child has provided us with personal information, contact us and we will delete it.
11. International use
Cashrou may be downloaded or used in multiple countries. We operate in the United States, and account information is processed there, where privacy laws may differ from those in your country. Your financial data remains on your device unless you choose to send information to support.
12. Changes to this policy
We may update this policy when the app changes, including before adding cloud synchronization of financial records, bank connectivity, analytics or other data-processing features. The updated effective date will appear at the top of this page, and we will tell you in the app about anything significant.
13. Contact
XCAVAR LLC
Miami, Florida, United States
info@xcavargroup.com