This Privacy Policy explains how the Monivo mobile application ("App", "we", "our") handles your information. We are committed to protecting your privacy and being transparent about our practices.
All financial data you enter in the App - including expenses, savings goals, recurring expenses, reminders, and settings — is stored exclusively on your device using the operating system's local storage. This data is never transmitted to our servers, because we do not operate any servers.
We do not collect, store, or have access to:
The App can send local notifications to remind you of upcoming expenses or savings goals. These notifications are generated entirely on your device by the operating system. No notification content is transmitted to any server.
To use this feature, the App requests permission to send notifications. You can revoke this permission at any time in your device Settings.
Monivo offers an optional premium subscription ("Monivo Premium") via in-app purchase.
Payment processing is handled exclusively by Apple. We do not collect, store, or have access to your payment card details or billing information. Apple's Privacy Policy applies to all payment transactions: https://www.apple.com/legal/privacy/
To manage subscription status, validate purchases, and deliver premium features, the App uses RevenueCat (Revenue Cat, Inc.). When you make or restore a purchase, RevenueCat receives:
RevenueCat does not receive your name, email address, payment card details, or any financial data you enter in the App.
RevenueCat's Privacy Policy: https://www.revenuecat.com/privacy
Monivo does not integrate any advertising networks, analytics SDKs, or behavioral tracking libraries. We do not track how you use the App, and we do not share any data with advertisers.
We do not sell, rent, or share your personal data with any third parties, except as described in Section 4 (Apple App Store and RevenueCat), which is necessary solely to process your subscription.
All app data is stored on your device and is under your full control at all times.
Monivo is not directed at children under the age of 13 (or under 16 in the EEA). We do not knowingly collect personal information from children.
Since the App stores data locally on your device, you have direct and full control over it at all times. For any subscription-related data processed by RevenueCat, you may:
To exercise these rights, contact us at monivo.contact@gmail.com.
App data is protected by your device's built-in security mechanisms (passcode, Face ID, Touch ID). We recommend keeping your device software up to date to benefit from the latest security protections.
We may update this Privacy Policy from time to time. We will notify you of significant changes by updating the "Last updated" date at the top of this document. Continued use of the App after changes constitutes your acceptance of the updated policy.
If you have any questions or concerns about this Privacy Policy, please contact:
Anna Piekarz
monivo.contact@gmail.com