Privacy Policy and Terms of Service for CashOutline.com
CashOutline.com provides free, browser-based financial calculators — including tools covering insurance premiums, interest rates, loan payments, and personal finance planning — to users across Southeast Asia and beyond.
Our core architecture is client-side only. Every calculation on this site is performed entirely within your web browser using JavaScript. We do not transmit your financial inputs to any server we own or operate. We do not store them in any database. No account registration is required.
However, third-party services that we use to run and fund this free site — specifically Google AdSense for display advertising and affiliate partner programmes — do operate their own data-collection systems. This Policy explains what those services collect, why, and what choices you have.
Please read this Policy in full. By using CashOutline.com, you acknowledge the practices described here.
CashOutline.com is owned and operated by an independent digital publisher based in Thailand. For the purposes of applicable data protection law, the site operator is the "data controller" only with respect to any personal data it directly processes — which, as described in Section 3, is minimal.
For all questions, requests, or complaints relating to this Privacy Policy, you may contact us at:
Email: [email protected]
Site: cashoutline.com
We will endeavour to respond to privacy-related enquiries within 30 days. For requests made under specific statutory rights (see Section 10), we will comply with the applicable response timelines under the relevant law.
To be explicit, CashOutline.com does not:
The financial figures you enter into our tools exist only within your own browser's memory for the duration of your session (and optionally in browser Local Storage — see Section 4). They are not visible to us.
Some CashOutline.com tools use your browser's Local Storage (a standard browser feature) to remember your preferences between sessions — for example, your preferred currency, default values you have set, or your cookie consent choice.
coConsent) — whether you have accepted or declined non-essential cookies, stored to avoid repeating the consent banner.co_apr_, co_ins_). These are optional and functional.CashOutline.com uses Google AdSense to display advertisements. This service is operated by Google LLC (if you are in the United States) or Google Ireland Limited (if you are in the European Economic Area or the United Kingdom). For users in Southeast Asia and other regions, Google LLC (1600 Amphitheatre Parkway, Mountain View, CA 94043, USA) is the operating entity.
When you view a page containing Google AdSense ads, Google may collect the following data independently, via cookies and similar tracking technologies:
Google uses this data to serve contextual and personalised ads, measure ad performance, prevent fraud, and improve Google's advertising network. Google processes this data under its own Privacy Policy, available at policies.google.com/privacy.
We implement Google's Consent Mode where required by applicable law, meaning that personalised advertising requires your consent in jurisdictions where it is mandated.
Some links on CashOutline.com are affiliate links. This means that if you click a link and subsequently take an action on the destination site (such as signing up for a service or purchasing a product), we may receive a commission or referral fee. There is no additional cost to you.
Our financial calculators may include links to or recommendations for services offered by partners including, but not limited to, insurance comparison platforms, savings and investment services, and credit and lending products. These partners are independent businesses and operate under their own privacy policies.
When you click an affiliate link, the destination website may:
CashOutline.com does not have access to data you submit to affiliate partner sites. We receive only anonymised commission reports (e.g. "one qualifying lead generated"). We do not share any data we possess about you with affiliate partners.
In accordance with applicable disclosure requirements (including the U.S. FTC's Endorsement Guides and equivalent standards in other jurisdictions), we disclose that we have a financial relationship with certain services we link to. Our editorial recommendations and calculator results are not influenced by commercial relationships. We only recommend services we believe may be genuinely useful to our users.
A cookie is a small text file that a website places on your device. Cookies set by CashOutline.com itself are limited to functional preferences (as described in Section 4, implemented via Local Storage rather than HTTP cookies). The following categories of cookies may be set on our pages by third-party services:
Cookies required for core site functionality, including remembering your consent choice. These are always active.
Cookies set by Google AdSense to serve and measure ads. These require your consent in jurisdictions where prior consent is required. Where required, a consent banner will be displayed on your first visit. You may change your consent at any time by clicking "Cookie Preferences" in the site footer.
Cookies set by affiliate networks when you click an outbound affiliate link. These are set on the destination site, not by CashOutline.com, and are governed by that site's cookie policy.
You can control cookies through your browser settings. Most browsers allow you to refuse all cookies, accept only certain types, or delete cookies after each session. Note that refusing functional third-party cookies may affect ad relevance but will not prevent access to any of our calculators.
The third-party services described in this Policy (Google, affiliate networks) use data collected on our site for the following purposes:
For full details, please review each third party's privacy policy directly:
CashOutline.com does not sell, rent, or trade personal data. We do not share personal data except in the following limited circumstances:
CashOutline.com serves users across Southeast Asia and globally. We respect the privacy rights afforded to you by the laws of your jurisdiction. Because we process little to no personal data server-side, many statutory rights relate primarily to data held by third-party services (Google, affiliate partners) rather than data held by us directly — but we provide the contact information needed to exercise them.
Regardless of your jurisdiction, you may at any time:
To exercise any statutory right relating to data held by Google, please use Google's data tools at myaccount.google.com. To exercise rights relating to affiliate partner data, contact those partners directly.
CashOutline.com is intended for use by adults. Our financial tools are designed for users who are 18 years of age or older (or the age of majority in their jurisdiction, whichever is higher).
We do not knowingly collect personal data from children under the age of 13 (or a higher applicable minimum age under local law). If you are a parent or guardian and believe your child has provided personal information on this site, please contact us immediately at [email protected] and we will take steps to remove that information.
Because our site uses Google AdSense, we have configured our ad units to serve only non-personalised ads to users we identify (by IP geolocation) as likely to be in jurisdictions with heightened child-protection requirements. Parents are encouraged to use browser-level parental controls for additional protection.
CashOutline.com is operated from Thailand. As noted, we do not process personal data on our own servers. However, third-party services we use (such as Google) operate globally and may transfer data internationally.
Google conducts international data transfers under appropriate safeguards including Standard Contractual Clauses (SCCs) as approved by relevant supervisory authorities. For more details, see Google's Privacy Policy.
If you are located in a jurisdiction with restrictions on cross-border data transfers (such as Vietnam under PDPD Article 25 or Indonesia under PDP Law Article 56), please be aware that third-party services may transfer your data internationally. You may opt out of personalised advertising to limit such transfers (see Section 5).
Server-side data (CashOutline.com): We retain standard web server access logs (IP address, browser user agent, URL requested, timestamp) for up to 90 days, after which they are automatically deleted. These logs are used solely for security monitoring and technical debugging, not for marketing or profiling.
Browser-side data (Local Storage): Data stored in your browser persists until you clear your browser storage or we remove it. You are in full control of this data.
Third-party data: Google and affiliate partners retain data according to their own retention schedules. Please refer to their respective privacy policies for details.
CashOutline.com is served exclusively over HTTPS (TLS encryption), ensuring that data transmitted between your browser and our web server is encrypted in transit. All pages are hosted on enterprise-grade infrastructure with built-in DDoS protection.
Because our calculators are entirely client-side and we do not maintain a database of user inputs or accounts, the attack surface for user-data breaches is inherently limited. There is no user database to be compromised.
Notwithstanding the above, no method of electronic transmission or storage is 100% secure. We encourage users to keep their browsers updated and to use reputable security software.
Our site contains links to third-party websites, including affiliate partners, data sources, and regulatory bodies. These links are provided for your convenience and information. Once you navigate to a third-party site, you are subject to that site's own privacy policy and terms of service.
We do not endorse, control, or assume responsibility for the privacy practices of any third-party site. We encourage you to review the privacy policy of every site you visit.
We may update this Privacy Policy from time to time to reflect changes in law, our practices, or the services we use. When we make material changes, we will update the Effective Date at the top of this Policy and, where required by applicable law, provide additional notice (for example, a banner on the site or an in-browser notification on your next visit).
Your continued use of CashOutline.com after the effective date of a revised Policy constitutes your acceptance of the revised terms to the extent permitted by applicable law. We encourage you to review this page periodically.
For any questions, concerns, or requests relating to this Privacy Policy or the data practices described herein, please contact:
CashOutline.com — Privacy Enquiries
Email: [email protected]
Website: cashoutline.com
If you are not satisfied with our response, you have the right to lodge a complaint with the supervisory authority applicable in your jurisdiction. See Section 10 for the relevant authority contact details.
These Terms of Service ("Terms") govern your access to and use of the website located at cashoutline.com (the "Site"), including all calculators, tools, articles, and other content or services offered thereon (collectively, the "Service").
By accessing or using the Site in any way — including browsing, using any calculator, clicking any link, or downloading any content — you agree to be bound by these Terms. If you do not agree to these Terms in their entirety, you must cease use of the Site immediately.
These Terms apply to all users of the Site, regardless of your country of residence or the device you use to access the Site.
If you are using this Site on behalf of a business or other legal entity, you represent that you have the authority to bind that entity to these Terms.
CashOutline.com offers a suite of free, browser-based financial calculators designed to help individuals understand and estimate financial figures in everyday personal finance contexts, including (but not limited to) insurance premiums, interest rates, loan repayments, take-home pay, and savings projections.
We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time, with or without notice, for any reason including maintenance, legal compliance, or business changes.
CashOutline.com is an informational and educational resource. The calculators, results, estimates, explanatory text, articles, comparisons, and any other content available on this Site are provided for general informational purposes only.
Nothing on this Site constitutes financial advice, investment advice, tax advice, insurance advice, legal advice, or any other form of professional advice.
We are not a registered investment adviser, broker-dealer, financial planner, insurance agent, tax adviser, or licensed professional in any jurisdiction. We do not hold any financial services licence.
Our calculators produce estimates based solely on the numerical inputs you provide. They do not take into account your complete financial situation, risk tolerance, investment objectives, tax position, existing liabilities, or any other personal circumstances. No result produced by our tools should be treated as a personalised financial recommendation.
Before making any financial decision — including but not limited to purchasing insurance, taking out a loan, making an investment, changing your employment, or modifying your savings strategy — you should seek advice from a qualified, licensed financial professional in your jurisdiction. Laws, tax rates, product terms, and financial conditions vary significantly by country and individual circumstance. A professional can assess your specific situation in ways that a general online calculator cannot.
Financial regulations, tax laws, insurance requirements, lending standards, and product availability differ between countries across Southeast Asia and globally. Results produced by our tools may not reflect the rules, rates, or products applicable in your country. We make no representation that any result is accurate, appropriate, or lawful for your specific jurisdiction.
Where any calculator involves projected or hypothetical returns (e.g. retirement or savings projections), those projections are illustrative only. Past performance of any financial product or market does not guarantee or predict future results. Actual outcomes will differ from estimates.
CashOutline.com participates in affiliate marketing programmes. This means that some links to third-party products, services, or websites are affiliate links. If you click an affiliate link and complete a qualifying action on the destination site (such as submitting an enquiry, signing up, or making a purchase), we may receive a commission or referral payment from that third party. There is no additional cost to you as a result of this relationship.
In accordance with the U.S. Federal Trade Commission's Endorsement Guides (16 C.F.R. Part 255), the Consumer Protection Act requirements of applicable Southeast Asian jurisdictions, and internationally recognised best practices for transparency, we disclose that we have a material financial relationship with certain third-party services we link to or mention.
Our affiliate relationships do not influence the design, formula, or output of our calculators. We do not favour or disfavour any particular product in our calculator outputs based on commercial considerations. Where we mention or link to a specific service, we believe that service may be relevant or useful to users based on the context of that calculator — not because of the existence of an affiliate relationship.
We endeavour to clearly identify affiliate links where practicable. Phrases such as "Compare rates," "Apply now," or "Get a quote" adjacent to third-party links indicate an affiliate relationship. When in doubt, assume that any outbound link to a financial product or service provider may be an affiliate link.
We are not responsible for the products, services, terms, pricing, availability, accuracy, or conduct of any affiliate partner. Any transaction you enter into with a third party is solely between you and that third party.
We endeavour to ensure that our calculators use standard, well-established formulae and, where reference rates or data points are used, that such data is reasonably current. However:
We provide the Service "as is" and do not warrant that any calculator result is accurate, complete, error-free, or fit for any particular purpose.
Unless otherwise stated, all content on CashOutline.com — including but not limited to the HTML, CSS, and JavaScript source code of our calculators; the written copy, explanatory text, and articles; visual design elements; and the CashOutline wordmark and logo — is the exclusive intellectual property of the Site operator and is protected under applicable copyright, trademark, and other intellectual property laws.
You may access and use the Site for your own personal, non-commercial, informational purposes. You may share links to pages on this Site.
If we make any calculator widget available for embedding on third-party sites via a publicly offered embed code, such embedding is permitted only in accordance with the embed terms provided with the widget. Modifying embed code to remove attribution or alter the tool's output is prohibited.
You agree to use the Site only for lawful purposes and in a manner consistent with these Terms and all applicable local, national, and international laws and regulations.
We reserve the right to block access to the Site for any user we determine, in our sole discretion, to have violated these Terms.
The Site contains links to third-party websites, services, and applications. These include affiliate partners, regulatory bodies, and data sources referenced in our calculators.
We do not control third-party sites and are not responsible for their content, privacy practices, terms of service, accuracy, availability, or any other aspect of their operation. The inclusion of a link on CashOutline.com does not constitute an endorsement of that site or its operators.
Your use of any third-party site is governed by that site's own terms and privacy policy. We encourage you to review those documents before interacting with any third-party service.
The Site also uses Google AdSense to display third-party advertisements. We do not control the content of ads displayed on our pages. If you have a concern about an ad, you may report it using the AdChoices icon displayed on the ad itself.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE SITE AND ALL CONTENT, CALCULATORS, TOOLS, AND SERVICES PROVIDED THEREON ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
We expressly disclaim all warranties, including but not limited to:
Some jurisdictions do not allow the exclusion of implied warranties. In such jurisdictions, the above exclusions apply to the fullest extent permitted by law.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL CASHOUTLINE.COM, ITS OWNER, OPERATORS, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY:
even if we have been advised of the possibility of such damages.
Where liability cannot be excluded by law, our total aggregate liability to you for any and all claims arising out of or relating to your use of the Site shall not exceed USD 100 (or the equivalent in your local currency).
You expressly acknowledge that financial decisions are complex and personal, that you have access to qualified professional advice, and that you accept full responsibility for any financial decision you make, regardless of whether you used our calculators as one input in that decision.
You agree to defend, indemnify, and hold harmless CashOutline.com and its owner, officers, operators, licensors, and service providers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable legal fees) arising out of or relating to:
These Terms and any dispute arising out of or in connection with them or the Site shall be governed by and construed in accordance with the laws of the Kingdom of Thailand, without regard to its conflict of law provisions.
Subject to Section 13 (Dispute Resolution), you agree that the courts located in Bangkok, Thailand shall have exclusive jurisdiction to settle any dispute arising out of or in connection with these Terms or the Site.
If you are a consumer in a jurisdiction where mandatory consumer-protection laws apply and provide you with rights that cannot be waived by contract, those rights are not affected by this clause. In particular, nothing in this section is intended to limit rights you hold under applicable consumer-protection legislation in your country of residence.
Informal resolution: Before initiating any formal legal proceeding, you agree to contact us at [email protected] and provide a written description of the dispute, your desired resolution, and your contact information. We will attempt to resolve any dispute through good-faith negotiation within 30 days of receiving your notice.
Formal proceedings: If the dispute cannot be resolved informally within 30 days, either party may pursue the claim through the courts as specified in Section 12, or through any applicable consumer-dispute resolution mechanism in your jurisdiction.
Small claims: Notwithstanding anything in these Terms, either party may bring an individual action in a small claims court (or equivalent) in your jurisdiction for claims that qualify.
Class action waiver: To the extent permitted by applicable law, you agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.
Severability: If any provision of these Terms is found by a court of competent jurisdiction to be invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.
No waiver: Our failure to exercise or enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.
Entire agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and CashOutline.com with respect to your use of the Site and supersede all prior or contemporaneous understandings regarding such subject matter.
Language: These Terms are written in English. Where a translated version is provided for convenience, the English version shall prevail in the event of any inconsistency.
We reserve the right to modify these Terms at any time. When we make material changes, we will update the Effective Date at the top of this document. Where required by applicable law, we will provide additional notice of material changes (e.g. a prominent banner on the Site).
Your continued use of the Site after the effective date of revised Terms constitutes your acceptance of those revised Terms. If you do not agree to the revised Terms, you must stop using the Site.
We recommend bookmarking this page and reviewing it periodically. The current version of these Terms will always be available at cashoutline.com/legal.
If you have any questions about these Terms of Service or wish to report a violation, please contact us:
CashOutline.com — Legal Enquiries
Email: [email protected]
Website: cashoutline.com
For privacy-specific enquiries, please use [email protected].