You, and the people you invite.
Each person has a role: owner, editor, viewer, or accountant, who can read and export but never change anything. Remove anyone at any time.
How your books are kept.
You’re trusting cent4cent with the record of your money, so here is what it collects, how it’s protected, who can read it and what it won’t do. In short: your books are stored in Australia, it can’t move your money, it never sells your data, and you can export or delete everything yourself.
Five things cent4cent won’t do.
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It can’t move your money.
cent4cent only reads the records you give it. It can’t move, hold or spend a cent.
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It won’t sell, share or rent your data.
There are no advertisers and no partners. You pay, so you’re the customer.
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It won’t train models on your books.
The model provider’s commercial terms rule it out, and cent4cent doesn’t train on them either.
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It won’t recommend products.
It describes your money and projects from your own numbers. It never says which fund, loan, account or investment to use, and nothing in it can act on a recommendation.
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It won’t send your transactions to merchant databases.
Statement lines aren’t sent to outside services that identify merchants.
What happens to a statement you drop in.
- 1
Dropped
A statement file leaves your browser over an encrypted connection and is read into lines. The file is kept so duplicates can be skipped and so you can see where a line came from.
- 2
Read
Lines go to an AI model in small batches, with your list of accounts and your rules. Never the whole book, and never your sign-in.
- 3
Checked
Whatever the model proposes has to fit a fixed shape and pass the books’ own balancing checks before you see it. An odd statement line can’t change your books by itself. The worst it can do is make cent4cent ask you.
- 4
Kept
Entries are stored encrypted at rest, under managed keys. The notes and answers you write are encrypted again with a key of their own, and backups are encrypted too.
Who can see your books.
Claude or ChatGPT, if you connect them.
Your own assistant can read balances, transactions, reports and open questions, and do two things: answer a question and approve a proposal. Revoke it any time.
Nobody at cent4cent, unless you ask.
Only with your explicit consent, for a specific support request. Every such access is logged, and you can ask to see the log.
Stored in Australia, and yours to take.
Your books are stored in Australia, and a book stays in the region it was created in. To sort them, small batches of lines go to the AI model provider, which runs in the United States, and some of the services listed here are based there too. The privacy policy says which.
Export the whole book at any time as CSV, JSON or Beancount text, from inside the app, with no request to make. Delete the book and it’s deleted, with its statements and notes. Backups roll off within 35 days.
Every outside service that handles data
| Service | What it does |
|---|---|
| Google Cloud | Hosting and the database |
| Firebase Authentication | Sign-in and password reset |
| AI model provider | Reads transaction lines, under commercial terms that don’t allow training on your data |
| Stripe | Subscription billing. Card details go to Stripe directly; cent4cent never holds them |
| Resend | Email: sign-in links and statement reminders |
| Cloudflare | This website |
| PostHog | Product analytics: which screens are used, never the contents of a book |
| Sentry | Error reports, with book contents removed |
The list changes only when the product does, and the privacy policy changes with it. Found a security issue? Write to support@cent4cent.com. A person will reply, and you’ll get credit if you want it.
Start with one account, if you’d rather see it first.
14 days free, no card needed. Then A$10 a month or A$100 a year, and your books are yours to export at any point.