Privacy Policy

Introduction

Welcome to Monivo ("we," "our," or "us"). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our personal finance management application and services.

Please read this Privacy Policy carefully. If you do not agree with the terms of this Privacy Policy, please do not access the application.

Information We Collect

Personal Information

We collect personal information that you voluntarily provide to us when you:

• • Register for an account
• • Use our services
• • Contact us for support
• • Subscribe to our newsletter

This information may include: name, email address, phone number, financial account information, transaction data, and other personal details you choose to provide.

Automatically Collected Information

We automatically collect certain information when you visit, use, or navigate our application:

• • Device information (IP address, browser type, operating system)
• • Usage data (pages visited, time spent, clicks)
• • Location data (with your permission)
• • Cookies and similar technologies

How We Use Your Information

We use your personal information for the following purposes:

• • To provide and maintain our services
• • To process your transactions and manage your account
• • To send you updates, security alerts, and support messages
• • To improve our application and develop new features
• • To analyze usage patterns and optimize user experience
• • To comply with legal obligations
• • To protect against fraud and maintain security

Information Sharing and Disclosure

We do not sell, trade, or otherwise transfer your personal information to outside parties except in the following circumstances:

Service Providers

We may share your information with trusted third-party service providers who assist us in operating our application, conducting our business, or serving our users.

Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• • End-to-end encryption for sensitive financial data
• • Secure server infrastructure with regular security updates
• • Multi-factor authentication options
• • Regular security audits and monitoring
• • Employee training on data protection practices

However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

Your Privacy Rights

Depending on your location, you may have the following rights regarding your personal information:

• • Access: Request copies of your personal information
• • Rectification: Request correction of inaccurate information
• • Erasure: Request deletion of your personal information
• • Portability: Request transfer of your data to another service
• • Objection: Object to certain types of processing
• • Restriction: Request limitation on how we use your data

To exercise these rights, please contact us using the information provided in the "Contact Us" section.

Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When we no longer need your information, we will securely delete or anonymize it.

International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure that such transfers comply with applicable data protection laws and implement appropriate safeguards to protect your information.

Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected such information, we will take steps to delete it promptly.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date. We encourage you to review this Privacy Policy periodically for any changes.

Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact us: