Privacy Policy

1. Introduction

At MONEE, we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our personal finance management application. Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the application.

2. Information We Collect

2.1 Information You Provide

• Account Information: Email address for authentication via magic link
• Profile Data: Optional profile information like name and preferences
• Financial Data: Expense details, budget amounts, income sources, debt information, and spending categories you manually input
• M-Pesa Messages: SMS message content you paste into the analyzer

2.2 Automatically Collected Information

• Device Information: Browser type, operating system, device identifiers
• Usage Data: Pages visited, features used, time spent in the app
• Log Data: IP address, access times, error logs

2.3 Free Analyzer Tool

The free M-Pesa analyzer processes all data locally in your browser using IndexedDB. No expense data from the analyzer is sent to our servers. The analyzer works 100% offline and your data remains on your device.

3. How We Use Your Information

• Provide Services: Process expenses, generate insights, track budgets, and deliver core functionality
• Account Management: Create and manage your account, authenticate users via magic link
• Personalization: Customize your experience, remember preferences, provide relevant insights
• Communication: Send service updates, respond to inquiries, notify about important changes
• Improvements: Analyze usage patterns to improve features and user experience
• Security: Detect fraud, prevent abuse, and ensure platform security
• Legal Compliance: Comply with legal obligations and enforce our Terms of Service

4. Data Storage and Security

4.1 Security Measures

We implement industry-standard security measures to protect your data:

• End-to-end encryption for data transmission
• Encrypted database storage using InstantDB
• Secure authentication with magic links (no passwords to steal)
• Regular security audits and updates
• HTTPS/SSL for all connections

4.2 Data Retention

We retain your data for as long as your account is active or as needed to provide services. If you delete your account, we will delete your personal data within 30 days, except where retention is required by law.

5. Information Sharing and Disclosure

5.1 We DO NOT Sell Your Data

MONEE does not sell, rent, or trade your personal financial information to third parties. Your financial data is private and belongs to you.

5.2 Service Providers

We may share data with trusted service providers who assist in operating our platform:

• InstantDB: Database hosting and authentication services
• Payment Processors: Secure payment processing (they receive minimal data necessary for transactions)
• Analytics Providers: Anonymous usage analytics to improve the service
• Cloud Hosting: Secure infrastructure providers

All service providers are bound by confidentiality agreements and data protection requirements.

5.3 Legal Requirements

We may disclose your information if required by law, court order, or government request, or to protect our rights, property, or safety.

6. Your Privacy Rights

You have the following rights regarding your personal data:

• Access: Request a copy of all data we have about you
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your account and data (right to be forgotten)
• Export: Download your data in a portable format (CSV, JSON)
• Opt-Out: Unsubscribe from marketing communications
• Restriction: Request limitation of data processing

To exercise these rights, contact us at hello@monee.co.ke

7. M-Pesa Data Processing

MONEE is not affiliated with Safaricom or M-Pesa. We do not have direct access to your M-Pesa account. You manually paste M-Pesa SMS messages into the app. When using the full MONEE app, parsed expense data is stored securely in your encrypted account. When using the free analyzer, all data processing happens locally in your browser and is never transmitted to our servers.

8. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Maintain your login session
• Remember your preferences
• Analyze usage patterns (anonymized)
• Improve service performance

You can disable cookies in your browser settings, but this may limit functionality.

9. Third-Party Links

MONEE may contain links to third-party websites or services. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

10. Children's Privacy

MONEE is not intended for users under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected data from a child, please contact us immediately, and we will delete it.

11. International Data Transfers

Your data may be transferred to and processed in countries other than Kenya where our service providers operate. We ensure appropriate safeguards are in place to protect your data in accordance with this Privacy Policy.

12. Data Breach Notification

In the event of a data breach that compromises your personal information, we will notify affected users within 72 hours and provide details about the breach and steps taken to address it.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes via email or through a prominent notice in the application. The "Last Updated" date at the bottom of this policy indicates when it was last revised.

14. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: