At Monemalist (“we,” “our,” or “us”), we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our financial management application.
We believe in complete transparency about our data practices. Our core principle is simple: Your data belongs to you. We don't sell it, we don't share it with advertisers, and we don't use it for anything other than providing you with our services.
Information We Collect
Personal Information
Email address (for authentication and notifications)
Name (optional, for personalization)
Profile picture (optional)
Payment information (processed securely through third-party payment processors)
Financial Data
Transaction records (income, expenses, transfers)
Wallet/account information
Budget and financial goals
Invoice and contact information
Categories and tags you create
Usage Information
Log data (IP address, browser type, operating system)
Device information (for PWA functionality)
App usage patterns (to improve user experience)
Preferences and settings
How We Use Your Information
We use your information solely to provide and improve our services:
To authenticate your account and provide secure access
To process and categorize your financial transactions
To generate reports and insights about your finances
To send important notifications about your account
To provide customer support
To improve our application and develop new features
To comply with legal obligations
Data Security
We implement industry-standard security measures to protect your data:
Encryption: All data is encrypted in transit (TLS/SSL) and at rest
Authentication: Secure authentication with magic links and optional 2FA
Infrastructure: Hosted on Cloudflare's secure edge network
Access Control: Strict access controls and regular security audits
Data Isolation: Your data is isolated from other users
Regular Backups: Automated backups to prevent data loss
Data Sharing and Third Parties
We do not sell, trade, or rent your personal information to third parties.
We may share your information only in these limited circumstances:
Service Providers: With trusted third-party services that help us operate our application (e.g., email service, payment processors)
Legal Requirements: If required by law or to protect our rights and safety
Business Transfers: In the event of a merger or acquisition (with prior notice)
With Your Consent: When you explicitly authorize us to share information
Your Rights and Choices
You have complete control over your personal information:
Access: Request a copy of all your data
Correction: Update or correct your information
Deletion: Delete your account and all associated data
Export: Export your data in standard formats (CSV, JSON)
Opt-out: Unsubscribe from marketing communications
Restriction: Limit how we process your data
Data Retention
We retain your information only as long as necessary to provide our services:
Active account data is retained while your account is active
Deleted accounts are permanently removed within 30 days
Backups are retained for up to 90 days
Anonymized analytics data may be retained indefinitely
Children's Privacy
Our service is not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you become aware that a child has provided us with personal information, please contact us immediately.
International Data Transfers
Your information may be transferred to and processed in countries other than your country of residence. These countries may have data protection laws different from your country. We ensure appropriate safeguards are in place to protect your information in accordance with this Privacy Policy.
Cookies and Tracking
We use minimal cookies necessary for authentication and functionality:
Essential Cookies: Required for authentication and security
Preference Cookies: Remember your settings (theme, language)
Analytics Cookies: Help us understand usage patterns (anonymized)
Advertising and Third-Party Services
To keep our services free, we display advertisements on our public tool pages and landing page:
Ad Networks: We partner with reputable ad networks like Google AdSense
Ad-Free Experience: Logged-in users do not see advertisements
Contextual Ads: Ads are based on page content, not personal data
No Personal Data Sharing: We do not share your financial data with advertisers
Ad Preferences: You can control ad personalization through your browser settings
Third-Party Cookies: Ad networks may use cookies for ad serving
If you prefer not to see ads, you can create an account and sign in for an ad-free experience on all our tools.
Updates to This Policy
We may update this Privacy Policy from time to time. We will notify you of any material changes by:
Posting the new Privacy Policy on this page
Updating the “Last updated” date
Sending you an email notification for significant changes
Contact Us
If you have questions about this Privacy Policy or our data practices, please contact us:
Email: privacy@monemalist.com Support: support@monemalist.com Response Time: Within 48 hours
Regional Privacy Rights
European Union (GDPR)
If you are in the European Economic Area, you have additional rights under the General Data Protection Regulation (GDPR), including the right to data portability and the right to lodge a complaint with your local supervisory authority.
California (CCPA)
California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected and the right to opt-out of the sale of personal information (which we do not do).