Privacy Policy

Last updated: 2025-06-05

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 your information when you use our service.

By accessing or using our website and services, you agree to this Privacy Policy. Please read it carefully.


2. Data Controller

For the purposes of EU data-protection laws, monuc (Money Under Control)
Email: [email protected]


3. Data We Collect

  1. Account & Profile Data

    • Name, email address, phone number, and any information you provide when registering.
  2. Bank-Account Data

    • We connect to your bank via a third-party provider (initially GoCardless). You authorize us to collect the data you share through that service. You must also agree to the GoCardless privacy policy:
      GoCardless Bank Account Data
  3. Usage & Analytics

    • Technical and behavioral data about your interactions (pages visited, features used, timestamps).
    • We use these analytics purely to improve our service—no marketing, advertising, or sales activities.
  4. Cookies

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

4. How We Use Your Data


5. Data Sharing & Disclosure


6. International Data Transfers

Our primary data centers and providers are located within the European Union.
However, some third-party processors may transfer or store data in other countries. When this occurs, we ensure appropriate safeguards (e.g., Standard Contractual Clauses) are in place to protect your rights.


7. Data Retention

We retain personal data only as long as necessary for the purposes set out 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 have the right to:

To exercise any right, please contact us at [email protected]. We will respond within the timeframe required by law.


9. Security

We implement industry-standard technical and organizational measures to protect your data against unauthorized access, alteration, disclosure, or destruction. While we strive for maximum security, no system is completely immune to risk.


10. Changes to This Policy

We may update this Privacy Policy from time to time. Whenever we make changes, we will revise the Last updated date and, where appropriate, notify you. Continued use of our service after such changes constitutes acceptance of the revised policy.


11. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy, please contact:
Email: [email protected]

Thank you for trusting monuc (Money Under Control) with your data.