Privacy Policy

This Privacy Policy explains how Kedrec Wealth (“we,” “us,” or “our”) collects, uses, shares, and protects information when you use Cash Flow & Capital (the “Service”). By using the Service, you agree to the practices described here.

We collect the following categories of information:

• Account information. Your name, email address, password (stored as a salted hash), and any profile details you provide, such as your display name or partner link.
• Financial account data. When you connect a bank or credit account through Plaid, we receive account balances, account and institution names, transaction history, and related metadata. We do not receive or store your bank login credentials — those are handled directly by Plaid.
• Budget and planning data. Categories, spending limits, savings goals, notes, and any inputs you provide for planning tasks, checklists, or coaching prompts.
• Payment information. Subscription tier, status, renewal date, and a Stripe customer identifier. Payment card details are collected and stored by Stripe; we do not see or store your full card number.
• Coaching communications. If you use a plan that includes coaching from Kedrec Wealth, we retain the messages and notes exchanged with your coach.
• Usage and device data. Log data such as IP address, browser type, pages viewed, and approximate timestamps, used to operate and secure the Service.

We use the information above to:

• Provide, maintain, and improve the Service;
• Sync and categorize your transactions and generate your budget, cash flow, and planning views;
• Enable coaching interactions and, if your plan includes model access, generate the investment guidance and rebalance prompts associated with that plan;
• Process payments, renewals, and refunds;
• Send transactional emails such as account confirmations, password resets, receipts, subscription updates, and important notices;
• Detect, prevent, and respond to fraud, abuse, and security incidents;
• Comply with legal obligations.

We do not sell your personal information, and we do not use your financial data or coaching communications for advertising.

We share information only in the following situations:

• Service providers. Trusted vendors that operate parts of the Service on our behalf, including Plaid (financial account connections), Stripe (payments), our email delivery provider, and our hosting and database infrastructure providers. They are contractually limited to processing information for the purposes we specify.
• Your Kedrec Wealth coach. If you are on a plan that includes coaching and you explicitly grant access, your assigned coach can view the financial and planning data you have chosen to share.
• Your linked partner. If you link a spouse or partner in the Service, the account data you have chosen to share is visible to that person.
• Legal and safety. If required by law, subpoena, or court order, or if we reasonably believe disclosure is necessary to protect the rights, property, or safety of Kedrec Wealth, our users, or the public.
• Business transfers. In connection with a merger, acquisition, or sale of assets, in which case your information will remain subject to a policy at least as protective as this one.

We use administrative, technical, and physical safeguards designed to protect your information, including encryption in transit, encryption at rest for our primary database, access controls on user data, and row-level authorization so users can only read the records that belong to them. No security program is perfect; we cannot guarantee absolute security. Notify us immediately if you suspect unauthorized access to your account.

We retain your information for as long as your account is active and for a reasonable period afterward to comply with legal obligations, resolve disputes, and enforce our agreements. You may request deletion of your account and associated data at any time (see “Your rights” below); some records, such as payment history required for tax and accounting purposes, may be retained in accordance with applicable law.

Depending on where you live, you may have the right to access, correct, export, or delete the personal information we hold about you, and to object to or restrict certain processing. To exercise any of these rights, email privacy@cashflowandcapital.com from the address associated with your account. We will verify your request and respond within the time required by applicable law.

You can disconnect a bank account at any time from Connections, update your profile from Profile, and cancel your subscription from Billing.

All content, models, checklists, prompts, planning tasks, allocations, rebalance guidance, and other proprietary materials provided by Kedrec Wealth (the “Kedrec Wealth Materials”) are licensed to you individually under our Terms of Service. You may not share, forward, republish, or otherwise disclose the Kedrec Wealth Materials to any third party. See the Terms of Service for the full license.

The Service is not directed to children under 18, and we do not knowingly collect personal information from anyone under 18. If you believe a child has provided us with personal information, contact us and we will delete it.

The Service is operated from the United States. If you access the Service from outside the United States, your information will be transferred to, stored, and processed in the United States, where privacy laws may differ from those in your country.

We may update this Privacy Policy from time to time. If we make material changes, we will notify you by email or through the Service. The “Last updated” date at the top of this page indicates when the current version took effect.

For privacy questions or requests, email privacy@cashflowandcapital.com. For general support, email support@cashflowandcapital.com.