Privacy Policy

Data That Stays On Your Device (We Never See It)

All your financial data is stored locally in a SQLite database on your device. This includes:

• Expenses – amount, category, account, date, note, description
• Income – amount, category, account, date, note, description
• Transfers – amount, from account, to account, date, note
• Recurring transactions – expense, income or transfer templates with frequency, start/end dates
• Recurring instances – generated occurrences of each recurring entry
• Budgets – category-based spending limits you set
• Accounts – wallet and card names you create (e.g. Cash, Bank, Credit Card)
• Categories – expense and income categories you manage
• App settings – selected currency, app theme preference

Data Sent to Firebase (Event Names Only)

When you use the app, Firebase Analytics receives only generic event names — never your amounts, notes, or descriptions:

Data Sent to Google Mobile Ads

When ads are displayed, Google Mobile Ads may receive device identifiers and ad interaction data to serve and measure ads. This is handled entirely by Google's SDK — we do not see or store any of this data. See Section 5 for full details.

Monely stores all your data in a SQLite database on your device using expo-sqlite. The database tables include:

• expenses – all expense and income transactions
• transfers – account-to-account transfers
• recurring_expenses – recurring transaction templates (expense, income, or transfer)
• recurring_instances – generated occurrences of each recurring entry
• budgets – your monthly category budgets and spending limits
• accounts – your financial accounts (Cash, Bank, Credit Card, etc.)
• categories – custom expense and income categories

Your currency preference and app theme (light/dark) are stored in AsyncStorage — a device-local key-value store. No cloud sync occurs.

Currency can be set automatically based on your device locale or selected manually at any time from More → Currency Settings.

Firebase Analytics

We use Google Firebase Analytics to understand how the app is used in aggregate and to identify crashes. Only event names and non-financial metadata are sent — your amounts, notes, and descriptions are never included.

Analytics may be automatically disabled for users in the EEA and UK until explicit consent is provided through the in-app Google UMP consent form.

Firebase Remote Config

Remote Config lets us adjust app behaviour (such as enabling or disabling features) without pushing an app update. The following flags are controlled remotely:

Monely uses Google Mobile Ads (AdMob) to display two types of ads:

• Banner ads – a small banner shown at the bottom of certain screens while you browse
• Rewarded interstitial ads – a short optional video ad that may appear after you save a transaction. A 24-hour cooldown prevents these from appearing too frequently.

Ads are only shown when:

• You have an active internet connection
• Ad consent has been provided (where required by applicable law)
• The relevant Remote Config feature flag is enabled

To opt out of personalised ads at the device level:

• Android: Settings → Google → Ads → Reset advertising ID / Opt out of ads personalisation
• iOS: Settings → Privacy & Security → Apple Advertising → Turn off Personalised Ads

Google's full privacy policy: policies.google.com/privacy

Where required by applicable privacy law (GDPR for EEA/UK users, CCPA for California users, and similar regulations), we request your explicit consent before enabling analytics or personalised advertising.

The in-app consent form is powered by Google's User Messaging Platform (UMP). Your choices:

• Accept: enables analytics and personalised ads
• Decline: disables analytics and personalised ads; limited (non-personalised) ads may still appear

Legal Bases

• Consent – analytics and personalised advertising (where legally required)
• Legitimate interests – app stability, crash detection, and essential functionality

Creating a Backup (More → Backup & Restore)

Backup is entirely optional and user-initiated. When you tap Create Backup, the app:

1. Gathers all your data (expenses, income, transfers, recurring transactions, budgets, accounts, categories) from the local SQLite database
2. Saves it as a monely-backup-YYYY-MM-DD.json file in your device's temporary cache
3. Opens the system share sheet so you can send it to Google Drive, iCloud, email, a file manager, WhatsApp, or any app you choose

Restoring a Backup

Tap Restore Backup and select a previously created .json backup file. This replaces all current data. Create a fresh backup first if you want to preserve your existing records.

Exporting Data (More → Export Data)

Export your transaction history in two formats:

• CSV – compatible with Excel, Google Sheets, Numbers, and other spreadsheet apps
• TXT – a formatted text report with monthly summaries, totals, and transaction lists

You choose which types to include: expenses, income, transfers, recurring transactions, budgets, or all of them. The exported file is shared via the system share sheet — we never receive it.

What You Can Do In the App

• ✅ View all your financial data at any time
• ✅ Add, edit, or delete individual expenses, income, or transfers
• ✅ Search and filter transactions by date, account, category, or amount
• ✅ Create, edit, or delete recurring transaction templates and their instances
• ✅ Create, edit, or delete budgets
• ✅ Manage categories and accounts
• ✅ Reset all data via More → Reset Content (complete factory reset)
• ✅ Export all data as CSV or TXT at any time
• ✅ Back up your data and store it wherever you choose
• ✅ Change display currency at any time (More → Currency Settings)
• ✅ Switch between light and dark mode (More → Appearance)

GDPR / CCPA Rights

Since we do not collect or store personal data on our servers, most rights (access, portability, deletion) can be exercised directly within the app. For data held by Firebase or Google Ads, you can:

• Email us at codeyard.studio@gmail.com to request assistance
• Manage Google data at myaccount.google.com

• ❌ Sell your data to any third party — ever
• ❌ Share your financial data with advertisers
• ❌ Track your physical location
• ❌ Access your contacts, call logs, or messages
• ❌ Require account creation or login
• ❌ Store your financial data on our own servers
• ❌ Access your camera or microphone
• ❌ Send marketing emails or push notifications without your explicit permission

Your financial data stays on your device for as long as the app is installed. Uninstalling Monely permanently deletes all local data.

Analytics event data in Firebase is subject to Google's standard retention policies (typically 14 months for event data). We have no control over that retention period.

We do not operate any server or database that retains your personal or financial information.

• Data is stored in the device's sandboxed app storage, protected by the operating system's file-system encryption
• No passwords are stored — no login required
• Backup files are shared directly to your chosen destination (e.g. Google Drive) and are not transmitted through any infrastructure we operate
• All Firebase and Remote Config communications use HTTPS

Monely is not directed at children under the age of 13 (or the applicable minimum age in your jurisdiction). We do not knowingly collect personal information from children. If you believe a child has used the app, please contact us at codeyard.studio@gmail.com.

If we update this privacy policy, the "Last Updated" date at the top of this page will change. Significant changes that affect how your data is used will be communicated through an in-app notice or on our app store listing.

Continued use of Monely after a policy update constitutes acceptance of the revised policy.

Questions about this policy, data rights requests, or general support — reach us at: