Privacy Policy

Last updated: June 6, 2026

Last updated: June 6, 2026

Your privacy matters. This policy explains what data Mone ("we", "us", "our") collects when you use our personal finance app, how we use it, and the rights you have over it. By using Mone you agree to this policy.

1. Data We Collect

1.1 Account Information

Name and email address provided by Apple Sign-In or Google Sign-In at registration.
Profile avatar you optionally upload.
Preferred language and currency you set in the app.

1.2 Financial Data

Income, expenses, debts, investments, and savings goals you enter manually.
Budget settings, recurring transactions, and financial planning targets.
Net worth snapshots calculated from the data you provide.

This data is entered by you and is never sold or shared with advertisers.

1.3 Subscription & Purchase Data

Your current subscription plan (Free or Pro) and its expiry date.
Apple App Store transaction identifiers (used solely to verify and manage your subscription). We never receive your payment card details — all billing is handled by Apple.

1.4 Usage & Diagnostic Data

Feature interactions and screen visits used for debugging and improving the service.
iOS version and device model for compatibility purposes.
Crash reports and error logs (no financial content is included).

1.5 Push Notification Tokens

If you grant permission, we store a device push token to send you reminders and alerts you configure in the app. You can revoke permission at any time in iOS Settings.

2. How We Use Your Data

Provide the service: store, display, and calculate your financial records.
AI-powered insights: Mone uses OpenAI models only for Mone's in-app AI features, including chat, health score, budget suggestions, and financial insights. When you use these features, Mone sends the minimum financial context needed for the request to OpenAI, such as account balances, income, expenses, debts, investments, budgets, goals, and your chat message or uploaded document/image when relevant. Your name, email address, and contact details are not intentionally included in these AI requests. AI-generated content is for informational purposes only and does not constitute professional financial advice.
Subscription management: verify purchases with Apple and enforce plan limits.
Notifications: deliver reminders and budget alerts you have enabled.
Service improvement: analyse aggregate, anonymized usage patterns to improve features and fix bugs.

We do not sell your data, use your financial data for advertising, or share your financial data with other AI model providers.

3. Data Storage & Location

Your data is stored in Google Cloud Firestore, located in the United States. Data is encrypted at rest and in transit (HTTPS/TLS). Our backend runs on Google Cloud Run.

4. Third-Party Services

Service	Purpose	Data shared
Apple Sign-In	Authentication	Name, email (one-time, at sign-up)
Google Sign-In	Authentication	Name, email (one-time, at sign-up)
Google Firebase / Firestore	Database & hosting	All app data stored here
Apple App Store	In-app purchases	Transaction IDs to verify subscriptions
OpenAI	Sole AI model provider for Mone's in-app AI features	Minimum financial context needed for the request: balances, income, expenses, debts, investments, budgets, goals, chat messages, and user-provided uploads when relevant (no name, email, or contact details intentionally included)

Each third party processes data under their own privacy policies. We encourage you to review them.

5. Data Retention

We retain your data for as long as your account is active. If you delete your account (Settings → Delete Account), all your personal and financial data is permanently erased from our systems within 30 days. Anonymized aggregate statistics may be retained indefinitely.

6. Your Rights

Access & export: export all your data as CSV from Settings → Export.
Correction: edit any record directly in the app.
Deletion: delete your account and all data permanently from Settings → Delete Account.
Portability: exported CSV files are yours to keep and use freely.
Withdraw consent: disable push notifications in iOS Settings at any time.

For any other data requests, contact us at the address below and we will respond within 30 days.

7. Security

We protect your data with HTTPS/TLS in transit, encryption at rest in Firestore, and JWT-based authentication (HS256 sessions, ES256 for Apple tokens). Access to production data is restricted to authorised personnel only. No system is 100% secure; please use the app on trusted networks.

8. Children

Mone is not directed to children under 13 (or under 16 in the European Economic Area). We do not knowingly collect personal data from children. If you believe a child has provided us with data, please contact us and we will delete it promptly.

9. Changes to This Policy

We may update this policy from time to time. The Last updated date at the top of this page reflects the most recent revision. For significant changes we will notify you via an in-app message. Continued use of Mone after changes take effect constitutes acceptance of the revised policy.

Privacy questions or data requests? Contact us at tp.production.global@gmail.com