¢Cents

Privacy

Last updated October 10, 2026

Cents is a paid budgeting tool at centscount.com. We make money from subscriptions, not from your data. This page explains what we collect, why, and the choices you have. If you have a question, email help@centscount.com.

What we collect

• Your email address, to sign you in. That's the only thing you need to give us. You can also pick a display name, like a first name or nickname, when you sign up or later in Settings. Your partner sees it next to the things you share.
• Email reminders, only if you turn them on in Settings. The email lists the names, amounts and due dates of your upcoming bills, payments or subscription renewals. Every reminder has a link to turn them off.
• The budget details you enter: income, bills, subscriptions, cards, loans, expenses, categories and goals. Cents never connects to your bank, so we only have what you type in.
• How you found us, only if you arrived from a link with a short code, like one in our Google Ads. We save that code (for example "gads") with your new account so we can count which ads lead to sign-ups. It's passed along by the link itself: no cookies, no tracking scripts, and nothing is sent to Google or anyone else.
• Billing details: whether you're subscribed and which plan. Your card number goes straight to Stripe and never reaches our servers.
• Technical logs: when a page or request is made, our hosting records details such as your IP address, browser type, the time and whether it worked. We use these only to keep Cents running, fix problems and prevent abuse.

What we don't do

• We don't show ads.
• We don't sell, rent or share your data for marketing.
• We don't use tracking or analytics cookies.
• We don't send your information to AI services.
• We don't ask for your phone number, address, birthday, Social Security number or bank logins.

Cookies

Cents uses one cookie to keep you signed in. It isn't used for anything else. When you subscribe, the Stripe and Link checkout pages may set their own cookies to process your payment and prevent fraud.

Who else handles your data

We use a small number of providers to run Cents:

• Cloudflare hosts the site and database and sends our sign-in and reminder emails.
• Stripe processes payments. Subscriptions are sold through Link, Stripe's checkout service, which acts as the seller of record, sends receipts, and checks payments for fraud. Your card details and billing address go to Stripe and Link under Link's privacy policy, not to us.

They process data only to provide these services to us. We may also share information if the law requires it, such as a valid court order, or to protect Cents and its users from fraud or abuse.

Where your data is stored

Cents runs on servers in the United States and other countries where our providers operate. If you use Cents from outside the United States, your information may be processed in a country with different privacy laws than yours.

Sharing with a partner

If you invite a partner, they can see and update the items you mark as shared (bills, subscriptions, cards, loans, income, expenses and goals), along with your display name and email address. Anything you don't share stays private to you. If you stop sharing with a partner, they lose access to your shared items right away. Money your partner added to a shared goal stays recorded in that goal's history.

How long we keep it

• Your account and budget stay until you delete them. When you delete your account in Settings, everything is removed from Cents right away and is cleared from our backups within 30 days.
• Technical logs are kept for up to 30 days.
• Billing records are kept by Stripe and Link for as long as the law requires, even after you delete your account.

Your choices and rights

Wherever you live, you can:

• Get a copy of your data at any time with Download my data in Settings.
• Correct it by editing anything in the app.
• Delete it by deleting your account in Settings.
• Ask us a question or make a request by emailing help@centscount.com. We'll reply within 30 days.

We never sell or share your personal information for advertising, so there's nothing to opt out of. We won't treat you differently for using any of these rights.

Children

Cents is for people 18 and older. We don't knowingly collect information from anyone younger. If you believe a child has created an account, email us and we'll delete it.

Security

All connections are encrypted. There are no passwords to steal: you sign in with a one-time link or code that expires after 15 minutes, and we store only scrambled versions of those codes. If we ever learn of a breach that affects your information, we'll notify you by email promptly and as the law requires.

Changes

If we make an important change to this policy, we'll email you before it takes effect.

Contact

Email help@centscount.com with any privacy question or request.