Privacy Policy

1. Introduction

Money Monit ("we", "our", or "us") operates the moneymonit.com website and the Money Monit mobile application (collectively, the "Service"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Service.

2. Information We Collect

Account Information

When you create an account, we collect your name, email address, and password. Your password is securely hashed and never stored in plain text.

Financial Data

You may voluntarily enter financial information such as transactions, account balances, budgets, debts, and categories. This data is entered manually by you and is used solely to provide the Service's functionality.

Automatically Collected Information

We collect certain information automatically, including your IP address (used to detect your preferred currency), device type, and basic usage analytics through Umami Analytics, a privacy-focused analytics platform that does not use cookies or track personal data.

3. How We Use Your Information

• To provide, maintain, and improve the Service
• To create and manage your account
• To process and display your financial data within the app
• To detect your preferred currency based on your location
• To communicate with you about the Service, including support requests
• To protect against fraudulent or unauthorized use of the Service

4. Data Sharing

We do not sell, trade, or rent your personal or financial data to third parties. We may share information only in the following circumstances:

• With your consent — when you use group expense features, relevant transaction data is shared with group members you invite
• Legal requirements — if required by law, regulation, or legal process
• Service providers — with trusted third-party services that help us operate the Service (e.g., cloud hosting), under strict confidentiality agreements

5. Data Security

We implement industry-standard security measures to protect your data, including encrypted connections (HTTPS/TLS), hashed passwords, and secure cloud infrastructure. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your data for as long as your account is active. If you delete your account, we will delete your personal and financial data from our servers within 30 days. Some data may be retained in backups for up to 90 days.

7. Your Rights

You have the right to:

• Access the personal data we hold about you
• Correct any inaccurate data
• Request deletion of your account and data
• Export your data

To exercise any of these rights, contact us at help@moneymonit.com.

8. Children's Privacy

The Service is not intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If we discover that a child under 13 has provided us with personal information, we will delete it promptly.

9. Third-Party Services

Our Service uses the following third-party services:

• Amazon Web Services (AWS) — cloud hosting and data storage
• Cloudflare — security and bot protection (Turnstile)
• Umami Analytics — privacy-focused, cookie-free website analytics
• Rollbar — error monitoring to improve app stability

10. Disclaimer & Limitation of Liability

The Service is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

Money Monit is a personal finance tracking tool and does not provide financial, investment, tax, or legal advice. Any financial decisions you make based on information in the Service are solely your responsibility.

To the fullest extent permitted by applicable law, Money Monit shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of data, revenue, profits, or goodwill, arising out of or in connection with your use of the Service, even if we have been advised of the possibility of such damages. Our total liability for any claim arising from the Service shall not exceed the amount you paid us (if any) in the twelve (12) months preceding the claim.

11. Changes to This Policy

We reserve the right to update or modify this Privacy Policy at any time, at our sole discretion, with or without prior notice. We will post the revised Privacy Policy on this page and update the "Last updated" date. Your continued use of the Service after any changes constitutes your acceptance of the updated policy. We encourage you to review this page periodically.

12. Contact Us

If you have questions about this Privacy Policy or our data practices, contact us at:

help@moneymonit.com