The safest way to protect banking information is to never ask for it.
ChequeKo is a formatting and printing tool. It has no field, no form, and no database column for your bank credentials, your signature, or your full account number.
Accounts are not live yet. ChequeKo currently runs as a guest tool, so the measures below that depend on having an account are marked Planned with the phase that delivers them. Everything unmarked is in place today.
What ChequeKo never asks for
- Bank usernames or passwords
- PINs or one-time passwords
- Full bank account numbers
- Signature images or signature data
- Payment card details
- Access to online banking
What ChequeKo does do
- Enforce every permission on the server, not in the browser
- Keep cheque details out of logs and analytics entirely
- Hash passwords with bcrypt and never store them in readable formPlanned · Phase 4 — described here but not yet available
- Isolate your records so no other account can read themPlanned · Phase 4 — described here but not yet available
- Rate-limit sign-in, registration, and password resetPlanned · Phase 4 — described here but not yet available
- Let you export or permanently delete your dataPlanned · Phase 4 — described here but not yet available
Why there is no signature feature
A stored signature image is a forgery kit. If ChequeKo held one, a breach of our systems would compromise every cheque you have ever written and every cheque you have not written yet. So the feature does not exist. The cheque preview shows a signature guide to help you orient the leaf, and that guide is excluded from the print output by a whitelist in the renderer — it cannot reach paper even by mistake.
Why there is no MICR printing
The MICR line at the bottom of your cheque is placed by your bank using specialised toner and tight tolerances. ChequeKo does not read it, reproduce it, alter it, or print it. Neither does it print routing information. Your cheque leaf arrives from your bank complete in that respect, and leaves ChequeKo unchanged in that respect.
Calibration images will stay on your devicePlanned · Phase 5 — described here but not yet available
Alignment overlays are not built yet — today you calibrate with a printed measuring sheet and no image ever leaves your machine because no image is involved. When overlays arrive, a photograph or scan of your own cheque will be processed in your browser only, with no upload endpoint for it, so there will be nothing on our servers to leak. We will ask you to cover your account number and the MICR line first, and the image will be discarded when you finish calibrating — never published, never turned into a shared template, never used for analytics or AI training.
What administrators can and cannot seePlanned · Phase 6 — described here but not yet available
There is no administrative interface yet. When it arrives, Haturiko administrators will manage bank names, cheque templates, help content, and abuse controls, and will see totals and aggregate usage. They will not see payee names, cheque amounts, memo text, account nicknames, or calibration images — that interface is to be built on queries which exclude those fields entirely, rather than on a screen that merely hides them.
Your data is yoursPlanned · Phase 4 — described here but not yet available
Once accounts exist, registered users will be able to export their cheque records, payees, templates, and printer profiles at any time, and permanently delete their account. Exports are to be protected against spreadsheet formula injection, so opening one in Excel is safe. Until then ChequeKo keeps no account data to export, because it has no accounts.
What we cannot promise
We cannot guarantee that a given browser and printer will place ink exactly where the preview shows it. Print dialogs and printer drivers apply their own margins and scaling, and mechanical feed varies between machines. That is why calibration exists, why every calibration sheet carries a 100 mm measuring bar, and why we ask you to test on ordinary paper before using an original cheque.
Your responsibility
ChequeKo is a formatting and printing tool. Users remain responsible for verifying cheque details, maintaining sufficient funds, protecting physical cheque leaves, manually signing the cheque, and following the requirements of their issuing bank.
Questions about any of this belong in the Help Center. See also our Privacy Policy, Terms of Use, and Disclaimer.