Disclaimer & Privacy Policy

Disclaimer

Last updated: January 2026

Not Financial, Tax, or Legal Advice

Kashkoo (including Einscow) is a financial planning simulator provided for informational and educational purposes only. The projections, calculations, and information presented by this tool do not constitute financial, investment, tax, legal, or accounting advice.

The outputs generated by this tool are based on assumptions, user inputs, and simplified models. They are estimates only and should not be relied upon as predictions of actual future results.

No Professional Relationship

Use of this tool does not create a fiduciary, advisory, or professional relationship between you and Kashkoo, its owners, or its operators. We are not registered investment advisers, financial planners, tax professionals, or attorneys.

Consult Qualified Professionals

Before making any financial decisions, you should consult with qualified professionals who can evaluate your specific circumstances, including:

  • A licensed financial advisor or investment professional
  • A certified public accountant or tax professional
  • An attorney for legal matters
Accuracy and Limitations

While we strive for accuracy, we make no warranties or representations regarding the accuracy, completeness, or reliability of any information, calculations, or projections provided by this tool. Tax laws, market conditions, and personal circumstances vary and change over time.

Assumption of Risk

You assume full responsibility for any decisions you make based on information from this tool. Kashkoo and its operators shall not be liable for any damages, losses, or consequences arising from your use of this tool or reliance on its outputs.

No Endorsement

Any mention of specific financial products, strategies, or institutions is for illustrative purposes only and does not constitute an endorsement or recommendation.

Privacy Policy

Last updated: January 2026

Overview

Kashkoo ("we," "us," or "our") operates the Kashkoo and Einscow financial planning simulator. This policy explains what information we collect, how we use it, and your choices.

Information We Collect
Information You Provide

When you use our simulator, you may enter financial information such as income, expenses, savings, and retirement goals. For anonymous users, this data is stored in your browser session and on our servers temporarily. If you create an account, this data is associated with your account.

Automatically Collected Information

We automatically collect certain technical information when you visit our site, including IP address, browser type, device information, pages visited, and time spent on pages.

Cookies and Tracking Technologies

We use the following cookies:

Essential Cookies (Required)

These cookies are necessary for the site to function. You cannot opt out of these.

  • Session cookies: Store your workspace data, preferences, and inputs while you use the simulator
  • CSRF cookies: Security protection for form submissions
Analytics and Advertising Cookies (Optional)

These cookies help us understand how visitors use our site and measure advertising effectiveness. They are only set with your consent.

  • Google Analytics: Tracks page views and user behavior to help us improve the site
  • Google Ads: Measures ad conversion effectiveness
  • Hotjar: Records anonymized session replays and heatmaps to understand how users interact with the site
How We Use Your Information

We use collected information to:

  • Provide and operate the financial planning simulator
  • Remember your inputs and preferences during your session
  • Analyze site usage to improve functionality and user experience
  • Measure the effectiveness of our advertising

We do not sell your personal information to third parties.

Third-Party Services

We use the following third-party services that may collect data:

These services may transfer data outside your country of residence. Google and Hotjar maintain their own privacy practices and compliance certifications.

Your Rights and Choices
Cookie Preferences

You can manage optional cookies through our cookie consent banner when you first visit the site. You can also clear cookies through your browser settings at any time.

Data Access and Deletion

You may request access to, correction of, or deletion of your personal data by contacting us at feedback@kashkoo.com. If you have an account, you can delete your account and associated data through your account settings.

Do Not Track

We do not currently respond to "Do Not Track" browser signals.

Data Retention
  • Session data for anonymous users: Deleted when your session expires or you clear your browser data
  • Account data: Retained until you delete your account
  • Analytics data: Retained according to Google and Hotjar's standard retention periods
Security

We use industry-standard security measures including HTTPS encryption and secure session handling. However, no method of transmission over the internet is 100% secure.

Children's Privacy

Our service is not directed to children under 13. We do not knowingly collect personal information from children under 13.

Changes to This Policy

We may update this policy from time to time. We will notify you of significant changes by posting the new policy on this page with an updated date.

Contact

If you have questions about this privacy policy, contact us at feedback@kashkoo.com.