Privacy Policy
Monetra · Last updated 31 July 2026
The short version. Monetra is local-first. Your expenses, budgets, categories and receipts are stored on your device. Nothing is uploaded unless you sign in and choose to enable cloud backup or join a shared space. We do not use advertising, we do not run analytics or tracking SDKs, and we never sell your data.
1. Who we are
Monetra ("we", "us") is the developer of the Monetra mobile app. For any privacy question or request, contact lowkey9.ai@gmail.com.
2. Data stored on your device
The following stays on your device and is never transmitted to us unless you turn on an optional feature described in section 3:
- Expenses, amounts, dates, categories, projects and payment accounts or cards you create
- Budgets, category caps and recurring bill reminders
- Receipt photos you attach
- App preferences — currency, language, theme, app icon, notification settings
Uninstalling the app deletes this data. You can also clear your expenses at any time from Settings → Data & backup → Danger zone.
3. Optional features that send data off the device
Each of these is off until you turn it on. None runs in the background without your action.
| Feature | What is sent | Who receives it |
|---|---|---|
| Account sign-in | Email address, display name, and an authentication identifier | Google Firebase Authentication |
| Cloud backup | Your expenses and app settings, stored under your own account | Google Firebase Firestore |
| Shared space | Expenses added to the shared budget, plus your display name and email, visible to the other members you invite | Google Firebase Firestore |
| Statement import (AI) | Text extracted from the statement you select, after account numbers, card numbers, IBANs, emails and phone numbers are stripped out | Google Gemini via Firebase AI |
| Spending coach | Aggregates only — a category name, its cap, the amount spent, your monthly total and budget, the currency code, and a place name only if you typed one. Individual transactions and merchant names are never sent. | Google Gemini via Firebase AI |
| Currency conversion | A request for public exchange rates. No personal or financial data is included. | open.er-api.com |
| Purchases and subscriptions | Handled entirely by the App Store or Google Play. We never see or store your payment details. | Apple / Google |
4. Device permissions
- Camera and Photos — only to attach a receipt image to an expense. Images stay on your device unless you enable cloud backup.
- Microphone and Speech Recognition — only while you are adding an expense by voice. Speech is transcribed on the device.
- Face ID / Touch ID / biometrics — only to unlock the app. Biometric data is handled by the operating system and never reaches us.
- Notifications — for local budget and bill reminders generated on your device.
You can deny or revoke any of these in your device settings; the rest of the app continues to work.
5. What we do not do
- No advertising or ad identifiers
- No analytics, crash-reporting or tracking SDKs
- No selling, renting or sharing of your data with data brokers
- No tracking across other companies' apps or websites
- No access to your bank accounts — Monetra never connects to a financial institution
6. How long we keep data
Local data is kept until you delete it or uninstall the app. Cloud backup and shared-space data is kept until you delete it in the app or ask us to delete your account. When a shared space is deleted by its owner, its expenses are deleted with it.
7. Your rights
You can access, export, correct or delete your data at any time from within the app: Settings → Data & backup offers CSV export, a full JSON backup, restore, and clearing all expenses. To have any cloud-stored data deleted, email lowkey9.ai@gmail.com and we will action it within 30 days. Depending on where you live, you may have additional rights under the GDPR or the CCPA, including the right to object to processing and to lodge a complaint with your data protection authority.
8. Children
Monetra is not directed at children under 13, and we do not knowingly collect data from them. If you believe a child has provided us data, contact us and we will delete it.
9. Security
Data in transit is protected with TLS. Cloud records are scoped to your authenticated account, and shared-space records are readable only by members of that space. Optional biometric lock protects the app on your device. No system is perfectly secure, so we encourage you to keep a device passcode enabled.
10. Changes to this policy
If we change how data is handled, we will update this page and revise the date at the top. Material changes will also be noted in the app's release notes.