Privacy Policy

Last updated: August 14, 2026

This Privacy Policy explains how Monfin LLC ("we," "us," or "our") collects, uses, stores, and shares information when you use the Monfin mobile application (the "App").

By creating an account or using the App, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with this Privacy Policy, please do not use the App.

1. Who We Are

Monfin is a personal budgeting and expense-tracking application operated by Monfin LLC.

If you have questions about this Privacy Policy or how we handle your information, please contact us at:

Email: [email protected]

2. Information We Collect

2.1 Information You Provide Directly

When you use the App, you may provide the following information:

• Account credentials. When you create an account, we collect a username and password. We do not require you to provide your real name.
• Email address (optional). You may add and verify an email address through your profile settings. If provided, your email address is used solely to help you recover your username or reset your password. Providing an email address is not required to use the App.
• Financial and budgeting data. To provide the App's core budgeting features, we collect information that you choose to enter, including account names, currencies, transaction amounts, transaction dates, notes or descriptions, and category names and icons.

The App does not connect to your bank accounts, payment cards, or other financial institutions. We do not collect or process your bank login credentials or payment card information.

2.2 Information Collected Automatically

We may automatically collect limited technical information when you use the App.

• Push notification token. If you enable push notifications, the App registers a device token with Firebase Cloud Messaging, a service provided by Google. This token is used solely to deliver notifications to your device and is not used for advertising.
• Crash and diagnostic data. We use Firebase Crashlytics, a service provided by Google, to collect crash reports and basic diagnostic information, such as device model, operating system version, App version, and crash or error information. This information helps us identify and fix technical problems and improve App stability.
• Server logs. Our servers may automatically record basic technical information associated with requests to the App, such as IP address, timestamp, and endpoint requested. We use this information for security, debugging, fraud prevention, and abuse prevention.

2.3 Information We Do Not Collect

The App does not request or intentionally collect:

• Your real name;
• Date of birth;
• Physical address;
• Phone number;
• Government-issued identification;
• Payment card numbers;
• Precise location data;
• Photos or videos;
• Contacts;
• Biometric information;
• Microphone or camera data.

The App does not contain advertising SDKs or analytics SDKs.

3. How We Use Your Information

We use the information we collect to:

• Create and maintain your account;
• Authenticate you when you log in;
• Store and synchronize your budgeting data across your devices;
• Make your budgeting data available when using the App offline;
• Provide account-recovery functionality when you have provided an email address;
• Send push notifications that you have enabled;
• Diagnose crashes, errors, and technical problems;
• Improve the stability, security, and performance of the App;
• Detect, prevent, and respond to fraud, abuse, and security incidents;
• Comply with applicable legal obligations.

We do not sell your personal information.

We do not use your financial or budgeting data for third-party advertising.

4. Where Your Data Is Stored

4.1 Our Servers

Your account and budgeting data may be stored on servers operated by us or by service providers acting on our behalf. This allows your data to synchronize across your devices and remain available if your device is lost, replaced, or reset.

Data transmitted between the App and our servers is protected using HTTPS encryption in transit.

4.2 Your Device

For offline functionality, the App stores a local copy of certain information, including your accounts, categories, and transactions, in a local database on your device.

This local data is protected by the security mechanisms provided by your device's operating system. We recommend using a device passcode, Face ID, Touch ID, or another device security mechanism to help protect your information.

4.3 Home Screen Widget

If you choose to add the optional Monfin home-screen widget, the widget may display information such as the selected account's balance and recent totals on your device's home screen or lock screen.

Widget data remains on your device and is not separately transmitted to third parties through the widget.

Because information displayed by the widget may be visible to anyone who can view your device's home screen or lock screen, you should only enable the widget if you are comfortable with this possibility.

Signing out of the App clears the widget's displayed data.

5. Who We Share Information With

We share limited information with trusted service providers when necessary to operate and maintain the App.

We do not share your financial data, including your accounts, categories, or transactions, with these providers for their own marketing or advertising purposes.

We do not sell or rent your personal information to third parties.

We may disclose information when reasonably necessary to:

• Comply with applicable laws, regulations, legal processes, or governmental requests;
• Protect the rights, property, safety, or security of Monfin, our users, or others;
• Detect or prevent fraud, abuse, or security incidents;
• Protect or enforce our legal rights;
• Support a merger, acquisition, restructuring, or sale of all or part of our business or assets.

Where required by applicable law, we will provide appropriate notice regarding such a transaction.

6. Data Retention

We retain your account and financial data for as long as your account remains active and as necessary to provide the App's services.

If you delete your account through the App, we will permanently delete your account and associated data from our active systems, including your accounts, categories, and transactions, subject to information that we may be legally required to retain or that must be temporarily retained for legitimate legal, security, fraud-prevention, or compliance purposes.

Some information may remain temporarily in secure backups before being automatically deleted or overwritten in accordance with our backup and retention procedures.

7. Your Rights and Choices

Depending on your location and applicable law, you may have certain rights regarding your personal information.

Access and Correction

You can view and edit certain account and financial information directly within the App.

Account and Data Deletion

You can permanently delete your account and associated data at any time by going to:

Profile → Delete Account

Account deletion is permanent and cannot be undone.

If you cannot access the account deletion functionality, you may contact us at:

[email protected]

Push Notifications

You can disable push notifications at any time through your device's system settings.

Other Privacy Rights

Depending on where you live, you may have additional rights, including the right to:

• Request access to your personal information;
• Request correction of inaccurate information;
• Request deletion of your personal information;
• Request a copy or export of certain information;
• Restrict or object to certain processing;
• Withdraw consent where applicable;
• Lodge a complaint with a relevant data protection authority.

To exercise an applicable privacy right, contact us at:

[email protected]

We will process and respond to requests in accordance with applicable law.

8. International Data Transfers

Our servers and third-party service providers, including Google Firebase, may process or store information in countries other than the country in which you live.

Where required by applicable law, we take reasonable steps to ensure that international transfers of personal information are subject to appropriate safeguards.

9. Children's Privacy

The App is not directed to children under the age of 16, or the applicable age of digital consent in a user's country if higher.

We do not knowingly collect personal information from children below the applicable age.

If you believe that a child has provided us with personal information, please contact us at:

[email protected]

We will take appropriate steps to delete such information where required by applicable law.

10. Security

We use reasonable technical and organizational measures designed to protect your information from unauthorized access, alteration, disclosure, or destruction.

These measures include HTTPS encryption for data transmitted between the App and our servers and access controls for our systems.

However, no method of electronic transmission or storage is completely secure. Therefore, we cannot guarantee absolute security of your information.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

If we make material changes, we will update the "Last updated" date at the top of this Privacy Policy and, where appropriate, provide additional notice through the App.

Your continued use of the App after an updated Privacy Policy becomes effective constitutes acknowledgment of the updated policy, to the extent permitted by applicable law.

12. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or how we handle your information, please contact us:

Monfin LLC
Email: [email protected]