Privacy Policy

1. Introduction

Welcome to monuc (Money Under Control) (“we,” “us,” “our”). We respect your privacy and are committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you use Budgeter and related websites or services.

By accessing or using Budgeter, you agree to this Privacy Policy. Please read it carefully.

2. Data controller

For the purposes of EU data-protection laws, the data controller is:

monuc (Money Under Control)
Email: hello@monuc.app

3. Data we collect

Account and profile data

We may collect your name, email address, phone number, account credentials, and information you provide when registering or using the service.

Bank-account data

Budgeter connects to supported bank accounts through a third-party provider, initially GoCardless Bank Account Data. You authorize access to the data shared through that provider flow. You must also agree to the applicable provider policy:

GoCardless Bank Account Data

Usage and analytics

We may collect technical and behavioral data about your interactions with Budgeter, such as pages visited, features used, timestamps, and device or browser information. We use this to operate, debug, secure, and improve the service. We do not use this data for third-party advertising.

Cookies

We use essential cookies strictly to maintain your session and enable core functionality. We do not use cookies for third-party advertising, retargeting, or marketing.

4. How we use your data

• Service delivery and maintenance — to operate, maintain, and provide Budgeter features such as authentication, bank-account connections, budgeting, and support.
• Service improvement — to analyze usage patterns, fix issues, improve performance, and improve the user experience.
• Compliance and legal obligations — to comply with applicable laws, resolve disputes, enforce agreements, and protect rights, property, or safety.

5. Data sharing and disclosure

• No selling or advertising disclosure — we do not sell, rent, trade, or otherwise disclose your personal data for marketing or advertising purposes.
• Third-party service providers — we use trusted processors, including our bank-connection provider and infrastructure providers. They process data only to provide services on our behalf and are required to keep data confidential and secure.
• Legal compliance — we may disclose data if required by law, regulation, court order, or to protect rights, property, or safety.

6. International data transfers

Our primary data centers and providers are intended to be located within the European Union. Some third-party processors may transfer or store data in other countries. When this occurs, we rely on appropriate safeguards, such as Standard Contractual Clauses, where required.

7. Data retention

We retain personal data only as long as necessary for the purposes described in this policy, or as required by applicable law. When data is no longer needed, we securely delete or anonymize it.

8. Your rights

Under EU law, you may have the right to:

• access the personal data we hold about you;
• request correction of inaccurate or incomplete data;
• request erasure, also known as the “right to be forgotten”;
• restrict or object to certain processing activities;
• request data portability in a structured, machine-readable format; and
• withdraw consent at any time when processing is based on consent.

To exercise these rights, contact hello@monuc.app. We will respond within the timeframe required by law.

9. Security

We implement technical and organizational measures designed to protect your data against unauthorized access, alteration, disclosure, or destruction. No system is completely immune to risk, but we treat financial data as sensitive and work to protect it accordingly.

10. Changes to this policy

We may update this Privacy Policy from time to time. When we make changes, we will update the “Last updated” date and, where appropriate, notify you. Continued use of Budgeter after changes means you accept the revised policy.

11. Contact us

If you have questions, concerns, or requests about this Privacy Policy, contact:

Email: hello@monuc.app