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
-
Account & Profile Data
- Name, email address, phone number, and any information you provide when registering.
-
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
- 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:
-
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.
-
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
-
Service Delivery & Maintenance
To operate, maintain, and provide you with the features of our service (authentication, payment processing, customer support). -
Service Improvement
To analyze usage patterns and optimize performance, user experience, and feature set. -
Compliance & Legal
To comply with applicable laws, resolve disputes, enforce our agreements, and protect rights, property, or safety.
5. Data Sharing & Disclosure
-
No Selling or Sharing
We do not sell, rent, trade, or otherwise disclose your personal data for marketing or advertising purposes. -
Third-Party Service Providers
We engage trusted processors—including our bank-connection provider—and they process data only to perform services on our behalf. They are obligated to keep your data confidential and secure. -
Legal Compliance
We may disclose data if required by law, regulation, or court order, or to protect rights, property, or safety.
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:
- Access the personal data we hold about you
- Request correction of inaccurate or incomplete data
- Request erasure (the “right to be forgotten”)
- Restrict or object to certain processing activities
- Data portability (receive your data in a structured, machine-readable format)
- Withdraw consent at any time (when processing is based on consent)
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.