Privacy Policy

Castworth LLC · Last updated: October 22, 2026

Castworth is a cash-flow forecasting app made by Castworth LLC, a Colorado company ("Castworth," "we," or "us"). It shows you what money is coming in and going out, so you can make better decisions. This page explains what information we collect, why, who helps us handle it, and the choices you have. We tried to keep it short and in plain words.

What we collect

• Your account. Your email address and password. Passwords are handled by our login provider and stored only in a scrambled (hashed) form, so we never see your actual password. We also keep simple settings like your preferred name, time zone and how the app looks.
• Bank and card information, if you connect a bank. We use Plaid to connect your accounts. Through Plaid we receive account names, types, the last few digits of account numbers, balances, and transaction history (dates, amounts, merchant names and categories). For credit cards and loans we also receive details like statement dates, due dates and minimum payments. In some cases we ask Plaid for a past balance to set the starting point of your forecast. We never receive or store your bank username or password. You type those into Plaid, not Castworth.
• Things you add yourself. Accounts you keep by hand, bills, income, plans, set-asides, categories, sorting rules, notes, splits and anything else you enter.
• Your chats with Castworth. When you talk with Castworth's chat assistant, or set up your forecast by talking, the conversation is saved to your account so you can pick up where you left off. Questions you ask the in-app help assistant are also saved with your account.
• Screenshots, receipts and statements you share. When you upload a picture or a PDF for Castworth to read (for example, an order screenshot to split a charge, or a loan statement), it is used for that one request and is not stored. Only the result you choose to save (like the split you confirm) is kept.
• Billing. If you pay for Castworth, payment is handled by Stripe. Your card number goes to Stripe, not to us. We keep only the Stripe reference numbers and whether your subscription is active.
• How the app is used. We record simple in-app usage events (for example, that a screen was opened or a feature was used), how many AI requests your account makes, and error reports when something breaks. These are tied to your account and used only to fix problems and improve Castworth. We do not use outside analytics or advertising tools inside the app.
• Our emails. When we email you about Castworth, we record whether the email was delivered and opened, and whether you clicked a link, so we know which updates are useful. Our email provider (Resend) does this for us. It's tied to your account, never sold, and you can unsubscribe anytime.
• How you found us. If you arrive from one of our ads or from someone's invite link, we remember the link's short labels (like which ad it was, or the invite code) in your browser, and save them with your account when you sign up. That lets us count which ads and invites bring people in, and who invited whom. It never includes anything about your money, and it is not shared with anyone.

On our website (castworth.com)

• Early access applications. If you apply for early access, we collect what you enter: your first name, email, and your answers about your household and how you track money. Your answers are emailed to us for review and are not stored in the Castworth app. We keep them only as long as needed to review them and contact you, and delete them on request.
• Ad measurement. Our early access page uses the Meta Pixel to measure visits from our ads and whether someone applied. It does not send your form answers to Meta. Meta's use of this information is covered by Meta's privacy policy. Our other website pages do not use the Meta Pixel or other ad tracking. Some pages load fonts from Google Fonts, which means Google can see your device's internet address when the font loads.

How we use your information

• To show your balances and build your forecast of what's coming.
• To spot regular bills and income and estimate your everyday spending.
• To help you sort, split and match transactions to your plan, including with AI suggestions you can accept or change.
• To run your account, keep it secure, send you account emails, and answer your questions.
• To find and fix problems and make Castworth better.

We do not use your financial information for advertising, lending or credit decisions, and we do not build profiles about you for anyone else.

AI features

Some Castworth features use Claude, an AI made by Anthropic. When you use them, we send Anthropic only what that feature needs:

• Sorting suggestions and setup. Transaction details (dates, merchant names, amounts and bank categories) and your own category names, so it can suggest where a charge belongs or spot regular bills.
• The chat assistant. What you type, any pictures you attach, and the parts of your Castworth information the assistant looks up to answer you (for example, transactions waiting for review, your categories, or your forecast lines).
• The help assistant. Your question, any screenshot you attach, and a few of your summary numbers so it can explain them.
• Reading screenshots and statements. The picture or PDF you upload, plus the charge and category list it relates to.

Anthropic processes this to send a result back to us. Under Anthropic's terms for business customers, it does not use this data to train its models. Its handling is covered by Anthropic's privacy policy. AI can make mistakes, so please check what it suggests. Changes the chat assistant makes are shown to you and can be undone.

ChatGPT and other AI apps you connect

You can choose to connect Castworth to ChatGPT. Nothing is shared unless you connect it yourself, and only for the accounts you track in Castworth. Once connected, when you ask ChatGPT about your money, Castworth can send it these kinds of information so it can answer and help you sort and plan:

• Your transactions. The date, amount, transaction name and store name, whether it is still pending, and how it is sorted now (its spending category, the bill or paycheck it matches, a split, or waiting for review).
• Your accounts. The name of the bank account or card each transaction landed in, its type (like checking or credit card) and its last four digits. Never full account numbers or bank passwords.
• Your spending categories, the headings on your forecast, and any sorting rules Castworth used to file a charge for you.
• Your bills, income and forecast. Each planned bill, paycheck, card payment and set-aside, with its amount, how often it comes and its next date, plus bills or paychecks that were expected but have not shown up yet.
• Your set-asides. What each one holds today, its goal, and which paycheck fills it.
• Excess Cash figures, such as how much a set-aside move changes your Excess Cash, and how much your bank balance has moved that Castworth has not matched to a transaction yet.
• Castworth's hints about where a charge might belong, based on your own past choices.
• Your notes on transactions.
• A history of changes made through ChatGPT or Castworth's own chat, showing what each change was before and after, so you can undo it.
• Receipt or order details you share. If you show ChatGPT a receipt or order, it sends Castworth the items, prices, tax and total so Castworth can work out the split. Castworth uses those details for that one request and keeps only the split you choose to save.

ChatGPT can also make changes for you: sort, split or add a note to a charge, match it to a bill or paycheck, plan bills, income and set-asides, add categories and rules, and set money aside in a set-aside (this only earmarks money already in your account; Castworth never moves money at your bank). ChatGPT asks for your OK before each change. Castworth keeps a record of every change, what it was before and after, so you can undo it. That record stays with your account, is included when you download your data, and is deleted when you delete your account.

Anything ChatGPT sees is also handled by OpenAI under your own ChatGPT account, settings and OpenAI's terms and privacy policy. To connect, we use WorkOS to issue the secure key ChatGPT uses. WorkOS receives your Castworth account ID and email address, not your financial data.

You can disconnect anytime in the app under Account, then Privacy & data, then Connected AI apps. ChatGPT loses access right away, and the changes you already approved stay in Castworth.

Text messages (SMS)

If you choose to turn on text messages, we use your mobile number only to send the Castworth messages you asked for (for example a short note about new transactions, or replies to texts you send us) and to know which account a text belongs to. Message frequency varies. Message and data rates may apply. Reply STOP to stop at any time, or HELP for help. Texting is optional and is never required to use Castworth.

We do not sell, rent or share your mobile number or your text-message consent with any third party or affiliate for marketing or promotional purposes. Text messages are delivered by our messaging provider, Twilio, which processes your number and messages only to deliver them for us.

If you delete your Castworth account, we delete your mobile number and texts. We keep only a small record that you agreed to texts (the date and the exact wording you agreed to) for 5 years, as proof of your consent, and then delete it.

Who helps us handle your data

We share data only with the companies that help run Castworth, and only what they need to do their job:

• Plaid: connects your bank and card accounts with read-only access. We store the connection key Plaid gives us in encrypted form. Your use of Plaid is also covered by Plaid's End User Privacy Policy.
• Supabase: our database and login service.
• Render: hosts the Castworth servers that do the work behind the app.
• Vercel: hosts our website and the app you open in your browser.
• Anthropic (Claude): powers the AI features described above.
• Stripe: handles payments, if you subscribe.
• Resend: sends emails from Castworth, like account and reminder emails.
• Google Workspace: our own email. If you write to us, your message lives there.
• Cloudflare: runs the quick robot check on our sign-in page.
• Twilio: delivers text messages, only if you turn texting on.
• WorkOS and OpenAI: only if you connect ChatGPT, as described above.
• Meta: only the ad measurement on our early access web page, as described above.

We may also share information if the law requires it, or to protect the safety and security of our users or of Castworth. If Castworth is ever sold or merged, your information would move with it, still covered by this policy, and we would tell you first.

What we never do

• We never sell, rent or trade your personal or financial information.
• We never show ads or use ad tracking inside the app.
• We never move money. Castworth has read-only access and no way to make payments or transfers.

How we protect your information

• Data is encrypted while it travels between your device and our servers.
• Data is encrypted where it is stored. Bank connection keys get an extra layer of encryption of their own.
• Each person's data is walled off at the database level, so you only ever see your own information.
• Bank access is read-only, and we never store your bank username or password.
• Only a small number of Castworth team members can reach account data, only when needed to help you, fix a problem or keep Castworth secure. Our support view of an account is read-only and every use of it is logged.

No system is perfectly secure, but we work hard to protect your information and will tell you if a problem affects you.

Keeping and deleting your data

We keep your information while your account is open, so your forecast and history keep working.

• Download your data. In the app, go to Account, then Privacy & data, then Request download. You get a copy of your Castworth data right away.
• Disconnect your banks. In the app, go to Account, then Connected accounts, then Disconnect all accounts. This stops new data coming in and removes your bank data from Castworth. Your account and plans stay, and you can reconnect any time.
• Delete your account. In the app, go to Account, then Privacy & data, then Delete account. This permanently deletes your profile, balances, transactions, plans, chats and login right away. We also ask Plaid to remove your bank connections and cancel any Stripe subscription. It cannot be undone.
• Or just ask. Email privacy@castworth.com to get a copy of your data, fix something, or delete your account, and we will take care of it within 30 days.

Copies in our providers' routine backups are removed as those backups expire. Plaid and Stripe keep their own records under their own policies, and we may keep a record if the law requires it.

Your choices

• Connect your banks or disconnect them whenever you like, or use Castworth without a bank by entering things yourself.
• Use or skip the AI features. They are there to help, not required.
• Connect or disconnect ChatGPT at any time.
• Download, correct or delete your data, as described above.

Children

Castworth is for adults 18 and older. It is not meant for children, and we do not knowingly collect information from children under 13. If you think a child has given us information, contact us and we will delete it.

Changes to this policy

If we change this policy, we will update the date at the top. If a change is important, we will tell you in the app or by email before it takes effect.

Contact us

Questions about your privacy or your data? We're happy to help.