Privacy Policy
Last updated September 2, 2026. Written in plain language on purpose, this covers Debt Payoff, Budget, Net Worth, this website, and the Downslope Finance Foundations books.
Each tool works without an account. You never enter a login, and none of the tools asks you to connect a bank. The numbers you enter, debts, budgets, balances, are stored using your browser's local storage (IndexedDB) on the device you're using. That data never leaves your device as part of normal use, and it never touches a Downslope server.
Because it lives in your browser, clearing your browser's site data, switching browsers, or switching devices will remove it unless you've turned on the optional sync feature described below. Exporting your own data as a file, and importing it back in, is a built-in feature of each tool for exactly that reason.
Some tools include an optional AI feature, such as Budget's weekly "Money check-in." When you use one of these, the app sends the relevant prompt (built from the numbers you've entered) to a Downslope-run server, which forwards it to Anthropic's API to generate a response. The Anthropic API key stays on our server, your browser never talks to Anthropic directly.
These features are clearly labeled every time you use them, and using the tool never requires turning one on. We don't log or store the prompts or responses that pass through this server, they're relayed and discarded. Anthropic processes the request under its own API terms, which govern how it may retain or use that data on its end.
If you turn on cross-device sync or push notification reminders, the app stores a small amount of data in Cloudflare's key-value storage, keyed to a device pairing code or a browser push subscription endpoint, not to your name, email, or any account. This is what lets a reminder reach your device, or lets a second device pick up your data. Turning the feature off, or simply never enabling it, means none of this is created in the first place.
The one-time $14.99 Pro purchase is handled entirely by Stripe on its own checkout page. We never see or store your card number. Stripe sends us a webhook confirming the purchase, which includes the email address and name you gave Stripe at checkout.
We use that email and name for one thing: generating a license key and emailing it to you via Resend, our transactional email provider. We don't keep a customer database, your email and name pass through our server just long enough to send that one email, they aren't stored afterward. The license key itself is a self-contained, signed code, validating it doesn't require looking anything up about you.
The "get notified" signup on the Foundations page is a Substack newsletter. Substack collects and manages that email address under its own privacy policy, we only see that someone subscribed, not anything else about you. If you buy a physical or Kindle copy of a Foundations book through Amazon or Etsy once they're live, that purchase is handled entirely by Amazon or Etsy under their own privacy terms, we never see that transaction.
This site and the apps are hosted on Cloudflare, which sees standard web traffic metadata (like IP address and request timestamps) as part of serving any page on the internet, the same as any host. We don't layer our own analytics or tracking pixels on top of that. We use HTTPS everywhere and standard security headers to protect the site itself, details are in the site's changelog on the Updates page if you want to see the specifics.
If what we collect changes, meaningfully, we'll update this page and update the "Last updated" date at the top. Given how the site works today, that would only happen if we added a genuinely new feature, not as a routine legal refresh.
Questions about any of this?
Email dan@downslopefinance.com