Privacy Policy

Last updated: April 1, 2026

At Cashluom ("we," "our," or "us"), we operate cashluom.com. This Privacy Policy is written in plain English to explain what information we collect, how we use it, and how we protect your privacy when you use our website.

1. Information We Collect

A. Information You Voluntarily Provide

We only collect personal information when you choose to share it with us. This includes:

  • Contact form submissions: Your name, email address, and message.
  • Newsletter subscriptions: Your email address.

Important: We will never ask you for bank details, credit card numbers, or government ID.

B. Information Collected Automatically

When you visit our site, our servers automatically log standard web data. This includes:

  • Your browser type, version, and operating system.
  • The pages you visited and the website that referred you.
  • Your IP address, which we anonymize where possible.

We may also use Google Analytics to collect anonymous, aggregated traffic data if it is enabled on our site.

C. Calculator Data — Important Guarantee

This is how our calculators work: All numbers and calculations stay entirely within your web browser using JavaScript.

We have no access to the financial numbers you enter. Your calculator data is never sent to our servers, it is never stored in a database, and we cannot see it. This is built into the site's architecture — we do not have your data even if someone asked for it.

2. How We Use Your Information

We only use the data we collect to:

  • Reply to your contact form messages.
  • Send newsletter emails (only if you signed up, and you can unsubscribe anytime).
  • Look at overall website traffic to see how people use our site and how we can improve it.
  • Comply with our legal obligations.

We do not sell your personal data. We do not use your information to create advertising profiles, and we do not share it with third parties except for the basic services listed in Section 4.

3. Cookies and Local Storage

A. Essential Local Storage

We save a single item on your browser called cashluom-theme to remember if you prefer light or dark mode. This contains no personal data and is never sent back to us.

B. Analytics Cookies (Google Analytics)

We use Google Analytics to understand what pages are popular and how long people stay on the site. Google Analytics uses cookies to collect anonymous data like your approximate location and device type. You can easily opt out by installing the Google Analytics Opt-out Browser Add-on. If we turn off Google Analytics, these cookies are not used.

C. Advertising Cookies (Google AdSense)

Our website is free to use because we run advertisements. When Google AdSense is active, Google and its partners use cookies to show you ads based on websites you've visited. You can opt out of personalized ads by visiting your Google Ads Settings.

4. Third-Party Services

We use a few trusted third-party services to keep the site running:

  • Google Analytics: Helps us track website visitor numbers. Opt-out here.
  • Google AdSense: Displays ads to support our free tools. Opt-out here.
  • Google Fonts: Loads the text fonts you see on the screen. This makes a standard request to Google's servers.

Each of these services is covered by its own privacy policy.

5. Data Security

We take security seriously. We use HTTPS encryption across the entire site and secure hosting for our files. Because your calculator inputs never leave your web browser, your financial data is fully protected. However, please remember that no website on the internet is 100% secure.

6. Data Retention

We only keep data as long as we need it. Contact form emails are kept until we answer your question. Newsletter emails are kept until you click unsubscribe. We do not maintain long-term records of your personal information just to have it.

7. Your Rights — GDPR (EEA and UK Users)

If you live in the European Economic Area (EEA) or the United Kingdom, the GDPR gives you specific rights regarding your personal data:

  • Right of Access (Article 15): You can ask for a copy of the personal data we hold about you.
  • Right to Rectification (Article 16): You can ask us to fix information that is wrong.
  • Right to Erasure (Article 17): You can ask us to delete your personal data.
  • Right to Restrict Processing (Article 18): You can ask us to pause how we use your data.
  • Right to Data Portability (Article 20): You can ask us to transfer your data to you.
  • Right to Object (Article 21): You can tell us to stop processing your data.
  • Automated Decision-Making (Article 22): You have rights regarding decisions made entirely by software without human involvement.

To use any of these rights, email us at hello@cashluom.com. We will reply within 30 days.

8. Your Rights — CCPA (California Residents)

If you are a resident of California, the CCPA gives you the right to:

  • Know what personal information we collect about you.
  • Know if your data is sold or shared, and to whom.
  • Opt out of the sale of your personal information. (Note: We do not sell user data).
  • Receive equal service and pricing even if you exercise these rights.

To make a CCPA request, please email us at hello@cashluom.com.

9. Children's Privacy

Our website is designed for adults planning their finances. It is not meant for children under 13. We do not knowingly collect personal data from children. If you believe a child has submitted information to us, please let us know so we can delete it immediately.

10. International Users

Cashluom is operated from India but serves users globally. By using our website, international users agree that their information will be processed in accordance with local laws, while still maintaining GDPR rights for users in the EU and UK.

11. Changes to This Policy

We will update this Privacy Policy when things change on our end. When we make updates, we will change the "Last updated" date at the top of this page. If we make major changes, we will make sure it is easy to see on the website. By continuing to use Cashluom, you accept the updated policy.

12. Contact Us

If you have any questions about this Privacy Policy or want to exercise your data rights, please reach out to us: