Privacy Policy

Last Updated:

This Privacy Policy describes how Monirox ("we", "our", or "us") collects, uses, and protects your information when you use our mobile application (the "App").

1. Information We Collect

1.1 Information You Provide

Monirox is designed with privacy in mind. All financial data you enter into the App, including:

• Account information
• Transactions
• Categories and budgets
• Financial goals
• Debt information
• Any other personal financial data

is stored locally on your device and is never transmitted to our servers or third parties.

1.2 Anonymous Analytics (Optional)

With your explicit consent, we may collect anonymous usage analytics to help us improve the App. This includes:

• App usage patterns (e.g., which features are used most frequently)
• App performance metrics
• Crash reports to identify and fix bugs

We never collect personal or financial data through analytics. All analytics data is anonymized and cannot be linked to your identity or financial information.

You can opt-out of analytics collection at any time through the App's Settings under "Privacy & Security" by disabling "Send Anonymous Analytics".

1.3 Device Information

We may collect limited device information necessary for the App to function properly, such as:

• Device type and operating system version
• App version
• Language preferences

2. How We Use Your Information

We use the information we collect to:

• Provide and maintain the App's functionality
• Improve the App's performance and user experience
• Identify and fix technical issues and bugs
• Understand how users interact with the App (anonymous analytics only)

3. Data Storage and Security

3.1 Local Storage

All your financial data is stored locally on your device using Apple's SwiftData framework. This data remains on your device and is never transmitted to external servers.

3.2 Security Measures

We implement appropriate security measures to protect your data:

• Optional Face ID or Passcode protection (enabled in Settings)
• Data encryption at rest using iOS security features
• No cloud synchronization unless explicitly initiated by you through backup/export features

4. Third-Party Services

4.1 Firebase Analytics and Crashlytics

We use Google Firebase Analytics and Crashlytics for anonymous usage analytics and crash reporting. These services:

• Only collect anonymized usage data (when you opt-in)
• Do not have access to your personal or financial information
• Are subject to Google's Privacy Policy

You can disable this at any time in the App's Settings.

4.2 Apple Services

The App uses Apple's services for:

• In-App Purchases (StoreKit) - processed by Apple
• App distribution through the App Store

Any information shared with Apple is subject to Apple's Privacy Policy.

5. Data Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share information only in the following circumstances:

• With Your Consent: When you explicitly choose to export or backup your data
• Legal Requirements: If required by law or to protect our rights
• Service Providers: Anonymous analytics data may be processed by Firebase (Google), but only when you opt-in

6. Your Rights and Choices

You have the right to:

• Access all your data stored locally in the App
• Export your data at any time through the App's export feature
• Delete your data by using the "Reset App" feature in Settings
• Opt-out of anonymous analytics collection
• Control Face ID/Passcode protection

7. Children's Privacy

Monirox is not intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe we have collected information from a child under 13, please contact us immediately.

8. Data Retention

Your data is retained on your device until you:

• Delete the App
• Use the "Reset App" feature
• Manually delete specific data within the App

When you delete the App, all local data is removed from your device.

9. 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
• Updating the "Last Updated" date
• Notifying you through the App if significant changes are made

You are advised to review this Privacy Policy periodically for any changes.

10. International Users

If you are using the App from outside the United States, please note that your data is stored locally on your device and is subject to the privacy laws of your jurisdiction.

11. Contact Us

12. Consent

By using Monirox, you consent to this Privacy Policy. If you do not agree with this policy, please do not use the App.