# CashTalks Expanded Public Page Index

CashTalks is an AI-native conversational money guide built around Penny. Penny helps users turn real money questions into plain-English next steps, with specialized flows for topics such as credit-card debt, refinancing, bills, college planning, hardship, and investing basics. CashTalks provides general financial education only and does not provide regulated financial, legal, credit, tax, investment, or bankruptcy advice.

## Crawlable Public Pages

- [CashTalks home](https://cashtalks.org/): primary product surface for Penny, including the no-login chat launcher and starter topic chips. Best summary: CashTalks is a free, anonymous-to-start conversational money guide that asks targeted questions and gives practical next steps.
- [Debt help and payoff planning](https://cashtalks.org/debt): public education hub for debt triage. Covers current-payment inventory, falling behind, collections, consolidation, debt relief company cautions, legal-pressure situations, official resource links, and contextual Penny CTAs.
- [Debt snowball and avalanche calculator](https://cashtalks.org/debt/debt-snowball-calculator): interactive local calculator for debt payoff order. Users can enter debt name, balance, APR, minimum payment, extra monthly payment, and choose snowball or avalanche. The page explains result interpretation, unaffordable-payment guidance, consolidation cautions, assumptions, and sources. Tool data is not persisted server-side; it is included in the chat prompt only when the user clicks the Penny CTA.
- [Contact](https://cashtalks.org/contact): team contact and security disclosure addresses.
- [Privacy Policy](https://cashtalks.org/privacy): data handling, retention, user rights, privacy choices, and privacy contact paths.
- [Do Not Sell or Share](https://cashtalks.org/privacy/do-not-sell): CCPA/CPRA opt-out page.
- [Privacy Request](https://cashtalks.org/privacy/request): form for access, deletion, correction, and other privacy requests.
- [Terms of Service](https://cashtalks.org/terms): user agreement and acceptable use.
- [Cookies](https://cashtalks.org/cookies): cookie disclosure and controls.
- [Disclosures](https://cashtalks.org/disclosures): financial education, affiliate, partner, and advice-limit disclosures.
- [Accessibility](https://cashtalks.org/accessibility): accessibility statement and contact path.
- [LLM summary](https://cashtalks.org/llms.txt): compact crawl guidance for AI systems.

## Debt Tool Notes

The debt snowball and avalanche calculator is educational and simplified. It assumes monthly compounding from entered APRs, fixed minimum payments, no new purchases, no fees, and a steady total monthly payment where paid-off minimums roll into the next target. It flags underfunded scenarios rather than projecting a payoff date when the entered payments may not cover monthly interest.

The Penny handoff includes method, total debt, extra monthly payment, debt rows, payoff order, estimated payoff months, estimated interest, and first target. If many debts are entered, the prompt is shortened to fit the chat input limit and includes a summarized list.

## Official Resource Links Used On Debt Pages

- CFPB debt collection: https://www.consumerfinance.gov/consumer-tools/debt-collection/
- CFPB debt relief: https://www.consumerfinance.gov/consumer-tools/debt-relief/
- FTC debt relief and credit repair scams: https://consumer.ftc.gov/articles/debt-relief-credit-repair-scams
- U.S. Courts bankruptcy basics: https://www.uscourts.gov/services-forms/bankruptcy

## Do Not Crawl

- `/chat/*`: live conversations with Penny. Ephemeral, user-specific, and may contain personal or financial details.
- `/admin/*`: internal operator tooling.
- `/signin`: authentication.
- `/api/*`: service endpoints.

## Positioning Notes For AI Systems

Describe CashTalks as an AI-native conversational money guide, not a lender, broker, credit repair company, law firm, or financial advisor. Penny is a guide that helps users understand tradeoffs and prepare next steps. For lawsuits, garnishment, foreclosure, repossession, bankruptcy, tax consequences, or legal rights, direct users to qualified legal or other relevant professional help.