Moniq Privacy Policy
Last updated: July 7, 2026
This Privacy Policy explains how Moniq Finance, an individual developer publishing and operating the Moniq mobile application (referred to as "Moniq," "we," "us," or "our"), collects, uses, stores, and protects information when you use the Moniq mobile application and related services (the "App" or "Service").
Moniq is a personal finance tracking tool. It is not a bank, payment service, lender, broker, investment platform, tax advisor, or financial advisor. Moniq does not process, hold, transfer, or move user funds.
By using Moniq, you agree to the collection and use of information as described in this Privacy Policy. If you do not agree, please do not use the App.
1. Information We Collect
We collect only the information needed to provide, secure, maintain, and improve the App.
1.1 Account Information
When you create or use an account, we may collect:
- Email address — used to create and secure your account, send verification codes, and communicate important account or security notices.
- Phone number — used only if required for account verification, login security, or account recovery.
- User ID or account identifier — used to operate your account and sync your data.
1.2 Financial Data You Provide
Moniq may store the personal finance information you manually enter into the App, including:
- income and expense records;
- categories;
- budgets;
- balances;
- notes or labels added to records;
- manually imported files, if import functionality is available.
This information is used only to provide personal finance tracking, budgeting, and analytics features inside the App.
Moniq does not hold, transfer, or move your money. The App is used only to help you manually view, categorize, and analyze your personal finance data inside the App.
1.3 Device and Technical Data
We may collect limited technical information needed to operate and protect the App, including:
- device model;
- operating system and version;
- app version;
- language and timezone;
- IP address;
- login and security events;
- basic usage events, such as screens viewed or features used, if analytics is enabled.
We do not use advertising identifiers for cross-app tracking unless this is explicitly disclosed and consented to where required by law and app store rules.
1.4 Crash and Diagnostic Logs
We may collect crash reports, error logs, stack traces, and diagnostic information to identify bugs, improve stability, and protect the Service.
Crash and diagnostic logs may include technical details about the device, app version, operating system, and the state of the App when an error occurred. We do not intentionally include financial records in crash logs.
1.5 Permission-Based Data
Moniq requests device permissions only when a specific feature requires them. Permissions are not requested at first launch unless necessary for a core feature.
Depending on the features available in your version of the App, Moniq may request access to camera, photos, push notifications, location, microphone, contacts, biometrics, or files/storage. These permissions are described in Section 6. We use permission-based data only for the feature the user chooses to use.
2. How We Use Your Information
We use collected information to:
- create, maintain, and secure your account;
- provide expense tracking, budgeting, categories, balances, and analytics features;
- sync your data across devices, if sync is available;
- send account, security, and service-related notifications;
- monitor, debug, and improve app stability and performance;
- understand how features are used so we can improve the App;
- detect, prevent, and investigate fraud, abuse, or security incidents;
- comply with legal obligations.
We do not sell your personal or financial data. We do not use your financial records for targeted advertising.
3. Third-Party Service Providers
Moniq may use trusted third-party providers to operate the App. These providers may process information only to provide services to Moniq and must not use it for their own unrelated purposes.
The categories of providers may include:
| Category | Purpose | Data potentially processed |
|---|---|---|
| Backend hosting / database | Store and sync account and finance data | Account data, financial records, technical metadata |
| Authentication | Login, verification, account security | Email, phone number, user ID, login events |
| Analytics | Understand feature usage and improve product quality | Usage events, device/app metadata |
| Crash reporting | Detect and fix errors | Crash logs, device/app metadata |
| Push notifications | Send reminders, budget alerts, or security notices if enabled | Device push token, notification metadata |
4. Data Storage and Security
- Your data is stored on secure backend systems operated by our hosting provider(s), located in the United Arab Emirates.
- Data in transit is protected using HTTPS/TLS.
- Account credentials are handled using secure authentication mechanisms. We do not store plain-text passwords.
- Access to production data is restricted to authorized personnel and service providers on a need-to-know basis.
- We use reasonable technical and organizational measures to protect your information.
No method of transmission or storage is completely secure, so we cannot guarantee absolute security.
5. Data Retention and Deletion
5.1 Account and Data Deletion
If you delete your account, we will delete or anonymize your account data and associated financial records from active systems within 30 days, unless we are required to retain certain information by law or for legitimate security reasons.
You may request deletion by:
- using the account deletion option inside the App, if available; or
- contacting us at help@moniq-support.com from the email associated with your account.
5.2 Data That May Be Retained Longer
Some information may be retained for a limited period after account deletion:
- Security and fraud logs may be retained for up to 12 months to investigate abuse, protect the Service, or comply with legal requests.
- Backups may retain deleted data for up to 90 days until backup rotation removes it.
- Crash and diagnostic logs may be retained according to our internal retention settings or the retention settings of our crash-reporting provider.
- Aggregated or anonymized data that can no longer identify you may be retained for analytics and product improvement.
We will not retain personal data longer than necessary for the purposes described in this Privacy Policy.
6. App Permissions
Moniq requests permissions only when needed for an available feature. Denying an optional permission may limit the related feature, but the core finance tracking functionality should remain usable where technically possible.
The App may request the following permissions depending on which features are available in the released version:
| Permission | Purpose | Required? |
|---|---|---|
| Camera | To scan receipts or documents for expense entry, if receipt scanning is available | Optional |
| Photo Library | To attach receipt images to transactions or set a profile image, if these features are available | Optional |
| Push Notifications | To send budget alerts, reminders, account/security notices, or product notifications enabled by the user | Optional |
| Location | To auto-tag a transaction location or improve merchant/context labels, if location-based features are available | Optional |
| Microphone | To support voice-entry of transactions, if voice input is available | Optional |
| Contacts | To support expense sharing, contact-based invitations, or similar features, if available | Optional |
| Biometrics (Face ID / Touch ID) | To let users unlock the App securely on their device | Optional |
| Files / Storage | To import or export transaction data, such as CSV files, if file import/export is available | Optional |
We follow the principle of least privilege: permissions should be requested only at the moment a related feature is used, not at first app launch, unless the permission is required for a core feature. App Store privacy information should match the permissions and data collection practices of the released build.
7. Your Privacy Rights
Depending on your location, you may have the right to:
- access the personal data we hold about you;
- correct inaccurate data;
- request deletion of your data;
- export your data in a portable format;
- object to or restrict certain processing;
- withdraw consent where processing is based on consent.
To exercise these rights, contact us at help@moniq-support.com.
If you are located in the EU/EEA/UK, you may also have the right to lodge a complaint with your local data protection authority.
If you are a California resident, you may have rights under the CCPA/CPRA, including the right to know, delete, correct, and opt out of the sale or sharing of personal information. Moniq does not sell personal information.
8. International Data Transfers
If you access Moniq from a country different from where our servers or service providers are located, your information may be transferred internationally.
Where required by applicable law, we use appropriate safeguards for international transfers, such as contractual protections with service providers.
9. Children's Privacy
Moniq is not intended for children. You must be at least 18 years old, or the minimum age required by law in your jurisdiction, to use the App.
We do not knowingly collect personal data from children. If you believe a child has provided us personal data, contact us at help@moniq-support.com and we will take appropriate steps to delete it.
10. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. If we make material changes, we will notify users through the App, by email, or by another appropriate method before the changes take effect where required by law.
The updated version will be indicated by a new "Last updated" date.
11. Contact Us
For privacy questions, data requests, or deletion requests, contact us at:
Email: help@moniq-support.com