Privacy
Last updated 15 October 2026 · applies to wtrline.com and the Waterline app for Android
Waterline never asks for bank logins, card numbers or account numbers, and it has no connection to any bank. Everything in your plan is something you typed in yourself. There is no advertising, no analytics and no tracking.
The short version
| What | Why | Where it's kept |
|---|---|---|
| Your plan: income, bills, dates, categories, debts, balance | To show your budget and forecast | On your device. Also in your account, if you create one |
| Backups of your plan | So an accident can be undone | On your device only |
| Email address | To sign you in, only if you create an account | Your account |
| Name | To greet you, only if you sign in with Google | Your account |
That is everything Waterline stores. It is never sold, never used for advertising, and never shared except with the service providers listed below that run the site.
If you don't create an account
Your plan and its backups stay in your browser's storage on that device. Nothing about your plan is sent to us, and we cannot see it. Clearing your browser's site data, or using Delete all my data, removes it.
If you create an account
We store your email address to sign you in, and your plan so it follows you to other devices. If you sign in with Google, Google tells us your name and email address; we use the name only to say hello. We do not send marketing email.
The names you give your bills and income are free text, so please don't type anything into them that you wouldn't want stored.
Backups are kept on the device you made them on. They are not uploaded to your account. Download backup file gives you a copy you can store wherever you like.
The Android app
The Waterline app for Android opens wtrline.com in Chrome, full-screen. It collects nothing beyond what the website does, as described on this page. The app asks for no device permissions beyond internet access, and it has no access to your contacts, photos, location or other apps. Chrome's own privacy policy covers the browser itself.
Who runs it for us
- Supabase stores accounts and saved plans. The database enforces row-level security, so it refuses to return one account's plan to anyone else.
- Cloudflare serves the website and sees your IP address as part of delivering pages.
- Google handles sign-in, only if you choose Continue with Google.
- esm.sh delivers the sign-in code library to your browser, and sees your IP address as any web server would.
All traffic is encrypted in transit using HTTPS, and plans saved to an account are encrypted at rest. The security page explains how your plan is protected.
What we don't do
- No advertising, and no data sold or shared with advertisers or data brokers.
- No analytics, tracking scripts or third-party cookies.
- No credit checks, scoring, profiling or automated decisions about you.
- No access to your bank, cards or financial accounts.
How long we keep it
Your plan is kept until you delete it. Accounts with no sign-in for two years may be removed along with their data.
Deleting your account and data
You can delete your data yourself at any time, on the website or in the Android app:
- Open the account menu in the top-right corner.
- Choose Delete account to remove the plan saved in your account and sign out, or Delete all my data to remove everything from your account and from this device, including its backups.
Deletion from the database is immediate. To have the sign-in record itself (your email address) removed as well, or if you can no longer sign in, email privacy@wtrline.com from the address on the account, with the subject Delete my Waterline account. We will delete the account and all associated data within 30 days and confirm by reply. Nothing is kept afterwards.
Your rights
Under Canadian privacy law (PIPEDA), you can ask what we hold about you, ask for it to be corrected, or withdraw your consent. Email us and we will respond within 30 days.
Children
Waterline is a personal finance tool for adults. It is not directed at children, and we do not knowingly collect information from anyone under 16.
What this tool is not
Waterline projects forward from figures you supply. It does not know your real bank balance, cannot see pending transactions, and does not account for interest, fees or overdraft charges on your accounts. It is a planning aid, not financial advice, and not a substitute for a licensed advisor.
Changes
If this policy changes in a way that matters, the date at the top will change and signed-in users will be told by email.
Contact
Questions, corrections or deletion requests: privacy@wtrline.com