Legal

Privacy Policy

moni is built so that your financial information stays with you. This policy explains the little we handle, and why.

Last updated: October 13, 2026

In short. moni has no accounts and no bank connections. Your categories, transactions, budgets and receipt photos are stored on your device, not on our servers, and we cannot see them. The app uses no advertising, tracking or analytics tools, and we never sell information. The only time any of your content leaves your device through moni is when you choose to scan a receipt, as described below.

1. Who we are

moni is an iPhone app made by Atlant Ventures Pte. Ltd., a company registered in Singapore (“Atlant Ventures”, “we”, “us”). We are responsible for the processing described in this policy. It applies to the moni app and to this website, moniapp.site.

2. Information that stays on your device

Everything you put into moni is stored locally on your device, in storage that belongs to the app:

  • categories, their names, icons, currencies and budgets;
  • transactions, amounts, dates, comments, the names of people in debts and loans, and repeat settings;
  • receipt photos you attach, which moni reduces in size and converts to black and white;
  • your settings, such as currency, theme, color, notifications and App lock.

We do not operate a server that receives this information, and we have no way to read, change, recover or delete it. You stay in control: you can export it at any time (as a moni backup file or a CSV table), erase it in the app, or delete the app.

Because this information never reaches us, we can’t restore it if your device is lost or reset. To keep a copy safe, turn on iCloud sync (on paid plans), which keeps your data in your own iCloud, always up to date, or export a moni backup file yourself from time to time.

3. Receipt scanning

Receipt scanning is optional. moni asks for your permission before the first scan, and the feature isn’t offered in countries where our AI partner doesn’t operate. When you scan a receipt or open a receipt file:

  1. The text of the receipt is read on your device. The photo itself never leaves your device.
  2. Before sending, moni removes personal details it can recognize in the text: names, card numbers, phone numbers and email addresses.
  3. The remaining text is sent, together with the names of your categories and accounts and their currencies, to our processing service. That service passes it to our AI partner, Anthropic, which returns the amount, date, items and suggested categories.
  4. moni shows you the result to check before anything is saved.

What we and our partners keep

  • Our processing service runs on Cloudflare. It doesn’t store the receipt text or the result. Its technical logs record only the time of a request and whether it succeeded. Cloudflare processes your IP address to deliver the request and to protect the service from abuse, and the country of the request is used to decline it where the feature isn’t available.
  • Anthropic processes the text to produce the result under its commercial terms, which do not allow it to use the content to train its models. Anthropic may keep requests for a limited time where needed to detect and prevent misuse, or where the law requires it.

We process this information to provide the feature you asked for (performance of our agreement with you) and on the basis of your permission. If you don’t want to share receipt text, don’t use scanning: everything else in moni works without it, and you can add transactions by hand.

4. Exchange rates and prices

To show exchange rates, crypto prices and charts, moni requests public data directly from Frankfurter (reference rates of central banks) and CoinGecko (crypto prices). These requests contain no information about you or your money, only the currencies to fetch. Like any internet request, they reveal your device’s IP address to those services, which handle it under their own policies. Rates are cached on your device.

5. Purchases and subscriptions

All payments are made through Apple’s App Store. Apple processes your payment and account details; we never receive your name, email, Apple Account or card details. Through Apple’s StoreKit, the app receives information about your purchase, such as which plan is active and when it renews, and uses it on your device to unlock features. Apple may also give us aggregated, anonymous sales and usage reports. Apple’s handling of your information is described in Apple’s Privacy Policy.

When you buy a plan in moni, the app can record the payment as a transaction in your own data, on your device, the same way you would record any other subscription.

6. iCloud

iCloud sync is available on paid plans. If you turn it on, your data is stored in your private iCloud account, which Apple operates, and kept up to date across your devices. It is linked to your Apple Account, uses your iCloud storage and cannot be accessed by us. moni may also keep a small record in your iCloud, such as the date your free period started, to apply the free period fairly. Apple’s privacy policy applies to iCloud.

7. Device permissions

moni asks for permissions only when a feature needs them, and you can change them at any time in your device’s Settings:

  • Camera, to photograph and scan receipts. Photos stay in moni and aren’t added to your library.
  • Photos, to pick a receipt from your library, or to save a receipt photo there when you choose to download it.
  • Face ID or Touch ID, when you turn on App lock. Authentication is performed by iOS; moni never receives biometric data.
  • Notifications, for reminders about repeating transactions and debts. These are scheduled on your device; we don’t send push notifications.

8. When you contact us

If you email us, we receive your email address and whatever you choose to write. We use it only to reply and help you, and keep the conversation for as long as needed for that and for our legal obligations. Please don’t send us your financial data unless it’s needed to solve your problem.

9. This website

This website has no advertising and sets no cookies. To count visits, we use Cloudflare Web Analytics, which doesn’t use cookies or track you across websites; it gives us only totals, such as the number of visits, pages viewed, referring sites, countries and device types. Your choice of theme and color is remembered in your browser’s local storage, on your device only. Our hosting provider processes technical data such as your IP address to deliver the pages and keep them secure.

10. What we don’t do

  • We don’t require an account or collect your name, email or phone number through the app.
  • We don’t connect to your bank or read your bank data.
  • We don’t use analytics, advertising or tracking tools in the app, and we don’t track you across apps or websites.
  • We don’t sell, rent or share your information for advertising.
  • We don’t make decisions about you based on automated profiling.

11. Where information is processed

Our partners may process information in countries other than yours, including the United States. Where the law requires it, these transfers rely on appropriate safeguards, such as the standard contractual clauses approved by the European Commission and the commitments in our partners’ data processing terms.

12. How long we keep information

We don’t keep the content of your moni data, because it never reaches us. Receipt text is processed only for the time needed to return the result, apart from the limited retention by our AI partner described in section 3. Support emails are kept as long as needed to help you and to meet legal obligations.

13. Your rights and choices

Depending on where you live, including under the EU and UK GDPR, Singapore’s Personal Data Protection Act and California law, you may have the right to access, correct, delete or receive a copy of your personal data, to object to or restrict its processing, and to withdraw your permission at any time.

Most of these rights you can exercise yourself in moni: your data is on your device, where you can view, edit, export and erase it. For anything we hold, such as an email conversation, write to us at the address below. We will reply within the time the law requires. You also have the right to complain to your local data protection authority.

14. Security

Your data is protected by your device’s security, including encryption when your device is locked with a passcode, and you can add App lock in moni. Connections to our processing service and to rate providers are encrypted. No method of storage or transmission is completely secure, but keeping your data on your device, instead of on our servers, is the strongest protection we can offer.

15. Children

moni is not directed to children under 13, and we don’t knowingly process personal information of children. If you are under the age of majority where you live, use moni with the permission of a parent or guardian.

16. Changes to this policy

We may update this policy when moni changes or the law requires it. We will post the new version here with a new date and, if the changes are significant, tell you in the app or on this website.

17. Contact

For any question about privacy, or to exercise your rights, contact our data protection officer:

Atlant Ventures Pte. Ltd.
Singapore
support@moniapp.site