Plain English summary: Private P&L is a single HTML file that runs entirely in your browser. Your bank transactions, categories, rules, and reports never leave your computer. We don't have servers that touch your financial data. We can't see it. We don't want to.
1. What Information We Collect
Financial data — nothing. Your CSV files, transaction data, categories, rules, and P&L reports are processed entirely within your browser using JavaScript. None of this is ever transmitted to our servers or any third party.
Purchase information. When you buy Private P&L, Stripe collects your email address and payment details. We receive your email address from Stripe solely to deliver your download link. We never see or store your payment card details — Stripe handles that under their own privacy policy.
Download logs. Our server records a timestamp, IP address, and download count when you use your download link. This is used only to enforce the download limit and detect abuse. Logs are retained for 90 days and then deleted.
Support correspondence. If you contact us by email we retain that correspondence to help with your inquiry.
2. How We Use Your Information
- Your email is used to deliver your purchase confirmation and download link
- We may occasionally email you about major updates to Private P&L — opt out any time by replying to any email
- We do not use your email for third-party marketing
- We do not sell, rent, or trade your personal information to anyone, ever
3. The Application Itself
Private P&L runs entirely client-side. Once the file is open in your browser:
- All data processing happens locally on your device
- Session data is optionally saved to your browser's
localStorage— this never leaves your machine - No data is sent to any server, API, or third-party service
- The application makes no network requests while in use
- You can verify this yourself using your browser's developer tools → Network tab
4. Cookies and Tracking
privatepnl.com does not use tracking cookies, analytics scripts, advertising pixels, or any third-party tracking. We do not use Google Analytics, Facebook Pixel, or similar tools.
The only external resources loaded on this site are Google Fonts and the Stripe.js payment library (loaded only when you click Buy Now). Both are subject to their own privacy policies.
5. Third-Party Services
Stripe processes all payments. When you purchase you are subject to Stripe's Privacy Policy. We chose Stripe because your payment card data never touches our servers.
We use no other third-party services that collect personal data.
6. Data Security
Because your financial data never reaches our servers, there is no server-side financial data to secure or breach. Your download link is cryptographically signed, expires after 72 hours, and is limited to 5 uses — after which it self-destructs automatically.
7. Data Retention
- Your email address: retained as long as needed to provide support and deliver updates. Request deletion at any time.
- Download logs: deleted after 90 days
- Your financial data: never collected — nothing to retain or delete
8. Your Rights
You may request at any time: a copy of any personal data we hold about you, deletion of your email and associated records, or correction of inaccurate information. Email support@privatepnl.com and we'll respond within 7 business days.
9. Children's Privacy
Private P&L is a business tool intended for adults. We do not knowingly collect personal information from anyone under 13. If you believe a child has provided us personal information, please contact us immediately.
10. Changes to This Policy
If we make material changes we will update the date at the top of this page. For significant changes we will notify existing purchasers by email.
11. Contact
Email: support@privatepnl.com
Website: privatepnl.com