Privacy Policy

This policy explains what data Monela ("we", "us") collects when you use the Monela app and website, why we collect it, who we share it with, and the choices you have.

Who we are

Monela is operated by MergeHub L.L.C., based in Kosovo. For any privacy question, you can reach us at [email protected].

Data you give us directly

• Account details — email address, first and last name, and a password (we only ever store a salted hash of it, never the password itself). If you sign in with Google or Apple instead, we store the identifier those services give us so we can recognize your account next time.
• Financial data you enter — transactions, budgets, wallets, categories, recurring items, receipt images, and any bank statement file you choose to upload for import. If you use the optional Lending, Projects, Assets/Maintenance, or Family features, we also store what you enter there.
• Preferences — currency, distance unit, budget cycle start day, and your notification preferences (budget alerts, weekly summary, monthly report, family invites).

Data we collect automatically

• Crash and diagnostic reports — if the app crashes, we use Firebase Crashlytics to receive a crash log, device model, and OS version, so we can fix the bug. This does not include your financial data.
• Usage analytics — we use Firebase Analytics to see which features are actually used (for example, that a budget was set, or a transaction was added by voice) so we know what to improve. These events do not include your transaction amounts, descriptions, or other financial content — only that the action happened. We do not collect an advertising identifier and do not use this data for ads.
• Push notification token — if you enable notifications, your device registers a token with Firebase Cloud Messaging so we can deliver them.

Voice input

When you use voice to add a transaction, your device's own speech-recognition service (Apple's or Google's, depending on your platform) converts your speech to text on-device or via that provider — we never receive or store the raw audio. Only the resulting text you confirm is sent to Monela, exactly like typing it would be.

How we use your data

To run the app: calculating your budgets and reports, storing what you enter so it's there next time you open the app, sending the optional emails and push notifications you've turned on, fixing bugs, and understanding which features are worth investing in. We do not sell your data, and we do not use it for advertising.

Who we share data with

We use a small number of service providers ("processors") to run Monela. They only receive what they need to do their specific job, and are not permitted to use your data for their own purposes:

• Google Firebase — crash reporting (Crashlytics) and product analytics (Analytics).
• Google Sign-In / Apple Sign-In — only if you choose to sign in that way.
• Cloudflare R2 — storage for receipt images and uploaded bank statement files.
• Our email provider — to deliver account and notification emails you've opted into.
• Our hosting provider — runs the server that stores your account and financial data.

Some of these providers may process data outside your country. Where that happens, it's covered by that provider's own standard safeguards (such as the EU Standard Contractual Clauses).

Family sharing

If you create or join a Family group, the financial data you add while scoped to that group becomes visible to other members of the group. Data you keep personal (not assigned to the group) is never shared with other members.

How long we keep your data

We keep your data for as long as your account is active. From Settings → Security & Data you can:

• Reset your account — permanently deletes your financial data (transactions, budgets, etc.) but keeps your account and login.
• Delete your account — permanently deletes your account and all associated data. This cannot be undone.

Your rights

Depending on where you live, you may have the right to access, correct, export, or delete your personal data, and to object to or restrict certain processing. You can exercise most of these directly in the app (Settings → Security & Data), or by contacting us at [email protected]. You also have the right to lodge a complaint with your local data protection authority.

Children

Monela is not directed at children, and we do not knowingly collect data from anyone under 16. If you believe a child has provided us data, contact us and we'll delete it.

Security

We use industry-standard measures to protect your data, including encrypted connections (TLS) between the app and our servers and hashed password storage. As with any online service, we cannot guarantee absolute security.

Changes to this policy

If we make material changes to this policy, we'll notify you in the app before they take effect.

Contact

Questions about this policy or your data: [email protected].