Privacy Policy
PRIVACY POLICY
Last updated April 7, 2026
Monnetta One is built on a privacy-first principle: all your financial data stays on your device and is never transmitted to or stored by Monnetta Ltd.
This Privacy Notice for Monnetta Ltd. (“we,” “us,” or “our”) describes the limited ways we interact with data when you:
- Visit our website at https://www.monnetta.app
- Download and use the Monnetta One mobile application
Questions or concerns? Contact us at privacy@monnetta.app.
SUMMARY OF KEY POINTS
- Your financial data is yours alone. Budgets, transactions, and goals you enter into Monnetta One are stored only on your device. Monnetta Ltd. has no access to this data.
- No account required. Monnetta One does not require you to create an account, provide your name, or share an email address to use the App.
- Anonymous behavioral analytics only. To improve the App, we collect anonymous usage data that cannot identify you. You can disable this at any time in the App’s Settings.
- No sensitive personal information processed.
- No data collected from third parties.
- In-app purchases are handled entirely by Apple App Store or Google Play. We do not see your payment data.
TABLE OF CONTENTS
- WHAT INFORMATION DO WE COLLECT?
- HOW DO WE PROCESS YOUR INFORMATION?
- WHAT LEGAL BASES DO WE RELY ON TO PROCESS YOUR PERSONAL INFORMATION?
- WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?
- DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?
- IS YOUR INFORMATION TRANSFERRED INTERNATIONALLY?
- HOW LONG DO WE KEEP YOUR INFORMATION?
- HOW DO WE KEEP YOUR INFORMATION SAFE?
- DO WE COLLECT INFORMATION FROM MINORS?
- WHAT ARE YOUR PRIVACY RIGHTS?
- CONTROLS FOR DO-NOT-TRACK FEATURES
- DO UNITED STATES RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?
- DO OTHER REGIONS HAVE SPECIFIC PRIVACY RIGHTS?
- DO WE MAKE UPDATES TO THIS NOTICE?
- HOW CAN YOU CONTACT US ABOUT THIS NOTICE?
- HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?
1. WHAT INFORMATION DO WE COLLECT?
Your financial data — stored locally only
All data you enter into Monnetta One (budgets, transactions, categories, goals) is stored exclusively on your device. This data is never transmitted to, collected by, or accessible to Monnetta Ltd. You are solely responsible for managing and backing up this data.
Information we do collect
(a) Anonymous Behavioral Analytics
To understand how the App is used and improve the user experience, we collect anonymous, aggregated usage data such as:
- Which features and screens are used
- App session length and frequency
- Device type and operating system version
- Crash occurrences and error types (no personal data is included)
This data is anonymous and cannot be used to identify you individually. You can opt out of behavioral analytics at any time in the App’s Settings.
(b) Contact Information
If you contact us for support or feedback (e.g., by email), we collect your email address and the content of your message solely to respond to your inquiry.
(c) Website Analytics
When you visit our website, we collect anonymous usage data (page visits, referral sources, device type) using Umami, a self-hosted, cookieless analytics platform. No personal data is collected and no cookies are used.
Sensitive Information. We do not process sensitive information.
Payment Data. The one-time purchase of Monnetta One is handled entirely by Apple App Store or Google Play. Monnetta Ltd. does not collect or have access to your payment information. Purchase validation is managed via RevenueCat, which receives a pseudonymous, device-level identifier from the App Store or Google Play to confirm your purchase status. This identifier is not linked to your name, email, or any other personal data held by Monnetta Ltd.
2. HOW DO WE PROCESS YOUR INFORMATION?
In Short: We process only limited anonymous data to keep the App working well and to respond when you contact us.
- To analyze app usage and improve features. We use anonymous behavioral analytics to understand which features are most valuable. You can opt out at any time in Settings.
- To identify and fix technical issues. Anonymous crash reports and error logs help us resolve stability issues.
- To respond to support inquiries. When you contact us, we use your contact information to respond to your message.
- To understand website usage. Anonymous website analytics (Umami, self-hosted) help us improve the Monnetta One website.
We do not use any data for marketing profiling, targeted advertising, or any purpose other than those listed above.
3. WHAT LEGAL BASES DO WE RELY ON TO PROCESS YOUR PERSONAL INFORMATION?
In Short: We only process personal information when we have a valid legal reason to do so.
If you are located in the EU or UK, this section applies to you.
The General Data Protection Regulation (GDPR) and UK GDPR require us to explain the valid legal bases we rely on:
- Consent. We rely on your consent to collect behavioral analytics. You can withdraw consent at any time by disabling analytics in the App’s Settings.
- Legitimate Interests. We may process anonymous crash report data based on our legitimate interest in maintaining a stable and functional application. This does not override your interests or fundamental rights.
- Legal Obligations. We may process contact information where necessary to comply with applicable law.
If you are located in Canada, this section applies to you.
We may process your information if you have given us specific or implied consent. You can withdraw consent at any time by disabling analytics in Settings or by contacting us.
4. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?
In Short: We do not sell, rent, or share personal data. We use a minimal set of privacy-respecting services.
Monnetta Ltd. does not sell or trade personal information. The following third parties receive only the limited data described:
- App Distribution and Purchase Validation
- Apple App Store and Google Play — for distributing the App and processing one-time purchases.
- RevenueCat — receives a pseudonymous, device-level identifier from Apple or Google to validate your purchase. No personal data from Monnetta Ltd. is shared.
- Website Analytics
- Umami (self-hosted — all data remains on our servers, nothing is shared with third parties)
- Anonymous App Analytics
- Our analytics provider processes anonymous, aggregated app usage data. No personal identifiers are included. You can opt out in Settings.
- Anonymous Crash Reporting
- Our crash reporting service receives anonymous error data (device type, OS version, error type). No personal identifiers are included.
We may also disclose information in the following situations:
- Legal Requirements. We may disclose information where required by applicable law, regulation, or valid legal process.
- Business Transfers. In the event of a merger or acquisition, any data we hold may be transferred. We will notify users of any such material change.
5. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?
In Short: Our website uses a cookieless analytics tool. The App does not use cookies.
Website Analytics
We use Umami, a self-hosted, cookieless analytics platform to analyze anonymous usage data (e.g., page visits, referral sources). Umami:
- Does not use cookies or track individuals
- Collects only minimal, anonymous metrics
- Stores all data on our own servers — nothing is shared with third parties
App Analytics
The Monnetta One app collects anonymous behavioral analytics as described in Section 1. This does not involve cookies or browser tracking. You can opt out at any time in Settings.
6. IS YOUR INFORMATION TRANSFERRED INTERNATIONALLY?
In Short: Limited anonymous data may be processed on servers in the EU.
Our website servers are located in the EU. If you contact us for support, your message may be processed on EU-based servers. We take all appropriate measures to protect any data processed internationally, including compliance with GDPR requirements where applicable.
If you are a resident in the European Economic Area (EEA), United Kingdom (UK), or Switzerland, we will protect your personal information in accordance with this Privacy Notice and applicable law. Our Standard Contractual Clauses can be provided upon request.
7. HOW LONG DO WE KEEP YOUR INFORMATION?
In Short: We retain information only as long as necessary.
- Behavioral analytics data: Retained in aggregated, anonymous form. It cannot be linked back to you individually.
- Contact and support messages: Retained only as long as needed to resolve your inquiry, and no longer than 2 years.
- Anonymous crash reports: Retained for up to 12 months for stability analysis.
Your financial data in the App is stored only on your device and is subject to your own management and deletion.
8. HOW DO WE KEEP YOUR INFORMATION SAFE?
In Short: Your financial data never leaves your device. We implement appropriate security measures for the limited data we do process.
The most important security feature of Monnetta One is that your financial data remains entirely on your device. We implement appropriate technical and organizational security measures to protect the limited anonymous data we process. However, no electronic transmission over the internet can be guaranteed to be 100% secure.
9. DO WE COLLECT INFORMATION FROM MINORS?
In Short: We do not knowingly collect data from children under 18 years of age.
We do not knowingly collect, solicit data from, or market to children under 18 years of age. By using the Services, you represent that you are at least 18 years old. If you become aware of any data we may have collected from children under 18, please contact us at privacy@monnetta.app.
10. WHAT ARE YOUR PRIVACY RIGHTS?
In Short: Depending on your location, you have rights regarding your personal information.
In some regions (like the EEA, UK, Switzerland, and Canada), you have certain rights under applicable data protection laws, including the right to:
- Request access to and obtain a copy of your personal information
- Request rectification or erasure of your personal information
- Restrict the processing of your personal information
- Data portability where applicable
- Object to the processing of your personal information
Since Monnetta One does not hold your personal financial data, these rights primarily apply to any contact information or support correspondence you have sent us. Anonymous analytics data cannot be linked to you individually.
Withdrawing consent for analytics: You can withdraw your consent to behavioral analytics at any time by disabling analytics in the App’s Settings.
Opting out of marketing communications: We do not send marketing emails unless you have explicitly subscribed to our newsletter. You can unsubscribe via the link in any such email.
If you are located in the EEA or UK and believe we are unlawfully processing your personal information, you have the right to complain to your Member State data protection authority or UK data protection authority.
If you are located in Switzerland, you may contact the Federal Data Protection and Information Commissioner.
If you have questions about your privacy rights, email us at privacy@monnetta.app.
11. CONTROLS FOR DO-NOT-TRACK FEATURES
Most web browsers and some mobile operating systems include a Do-Not-Track (“DNT”) feature. We use cookieless analytics that do not track individuals, so our website analytics are already aligned with DNT preferences. For the App, you can additionally disable behavioral analytics in Settings at any time.
12. DO UNITED STATES RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?
In Short: If you are a US resident, you may have certain rights regarding personal information we hold.
Categories of Personal Information We Collect
| Category | Examples | Collected |
|---|---|---|
| A. Identifiers | Name, IP address, email address, account name | NO (email only if you contact us) |
| B. Personal information as defined in the California Customer Records statute | Name, contact information, financial information | NO |
| C. Protected classification characteristics under state or federal law | Gender, age, race, national origin | NO |
| D. Commercial information | Transaction history, financial details, payment information | NO |
| E. Biometric information | Fingerprints and voiceprints | NO |
| F. Internet or other similar network activity | Browsing history, online behavior | NO (anonymous analytics only, opt-out available) |
| G. Geolocation data | Device location | NO |
| H. Audio, electronic, sensory, or similar information | Images, audio, video recordings | NO |
| I. Professional or employment-related information | Job title, work history | NO |
| J. Education Information | Student records | NO |
| K. Inferences drawn from collected personal information | Profiles or summaries | NO |
| L. Sensitive personal Information | NO |
We do not sell or share personal information with third parties for commercial or advertising purposes.
Your Rights
You have rights under certain US state data protection laws, including:
- Right to know whether or not we are processing your personal data
- Right to access your personal data
- Right to correct inaccuracies in your personal data
- Right to request the deletion of your personal data
- Right to non-discrimination for exercising your rights
- Right to opt out of targeted advertising (we do not engage in targeted advertising)
How to Exercise Your Rights
To exercise these rights, contact us at privacy@monnetta.app.
California “Shine The Light” Law
California Civil Code Section 1798.83 permits California residents to request information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes. We do not disclose personal information to third parties for direct marketing purposes.
13. DO OTHER REGIONS HAVE SPECIFIC PRIVACY RIGHTS?
In Short: You may have additional rights based on the country you reside in.
Australia and New Zealand
We collect and process your personal information under the obligations and conditions set by Australia’s Privacy Act 1988 and New Zealand’s Privacy Act 2020.
If you believe we are unlawfully processing your personal information, you have the right to submit a complaint to the Office of the Australian Information Commissioner or the Office of New Zealand Privacy Commissioner.
Republic of South Africa
At any time, you have the right to request access to or correction of your personal information by contacting us at privacy@monnetta.app.
If you are unsatisfied with how we address your complaint, you can contact:
The Information Regulator (South Africa) General enquiries: enquiries@inforegulator.org.za Complaints: PAIAComplaints@inforegulator.org.za & POPIAComplaints@inforegulator.org.za
14. DO WE MAKE UPDATES TO THIS NOTICE?
In Short: Yes, we will update this notice as necessary to stay compliant with relevant laws.
We may update this Privacy Notice from time to time. The updated version will be indicated by an updated date at the top of this Privacy Notice. If we make material changes, we may notify you by posting a notice or sending a notification. We encourage you to review this Privacy Notice periodically.
15. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?
If you have questions or comments about this notice, you may email us at privacy@monnetta.app or contact us by post at:
Monnetta Ltd. 17 Osvobozhdenie Blvd., Entrance A, Mailbox 92 4000 Plovdiv, Bulgaria Phone: (+359) 895 108 128
16. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?
Since Monnetta One does not store your personal financial data on our servers, there is no account data to review or delete.
- To disable behavioral analytics: Go to Settings in the Monnetta One app and toggle off analytics.
- To request deletion of support correspondence: Email us at privacy@monnetta.app and we will delete any messages we hold from you.
- For any other privacy requests: Contact us at privacy@monnetta.app and we will respond in accordance with applicable data protection law.