Privacy Policy

Effective Date: June 24, 2026

Last Modified: June 24, 2026

At MonieLoop, we believe that financial peace of mind begins with trust — and that extends to how we handle your personal information. This Privacy Policy explains what data we collect, how we use it, and the choices you have. We've written it to be clear and transparent, because that's the kind of company we are.

Key highlights:

We do not sell your personal or financial data to third parties.

We use your data to power and improve the MonieLoop experience — nothing more.

You are in control: you can request access to, correction of, or deletion of your data at any time.

We collect only what we need to deliver a world-class personal finance experience.

1. Who We Are

MonieLoop is a personal financial management application that helps users budget smartly, save intentionally, and grow their wealth through goal-based savings and real-time budget tracking. MonieLoop is a record-keeping and tracking tool — it does not hold, store, or move real money. Users manually log their expenses and savings progress within the app; MonieLoop does not connect to bank accounts or process any financial transactions. References to “MonieLoop,” “we,” “us,” or “our” in this Policy refer to MonieLoop and its operators.

If you have questions about this Policy or how we handle your data, please contact us at:

Email: support@monieloop.com

Website: www.monieloop.com

2. Information We Collect

We collect information you provide directly, information generated through your use of our app, and certain technical data automatically.

Information You Provide

Account Registration: Your name, email address, and password when you create a MonieLoop account.

Profile Information: Any optional profile details you add, such as currency preference or financial goals.

Financial Data: Savings goals you define, budget categories and limits you set, and expense entries you manually log within the app. This is record-keeping data only — MonieLoop does not hold, process, or have access to your actual money or bank accounts.

Subscription Billing Information: If you subscribe to a paid plan, payment details (e.g., card information) are processed securely by our third-party payment processor. We do not store full card numbers and do not handle any payment data directly.

Communications: Messages, feedback, or support requests you send to us.

Information Generated Through Your Use

Budget and savings activity: records of goals created, budgets set, and expenses logged over time.

App usage patterns: features accessed, frequency of use, and in-app interactions that help us improve the product.

Expense log history within the app: variance calculations and spending summaries generated by MonieLoop based on your manually entered data.

Automatically Collected Information

Device and technical data: device type, operating system, app version, and unique device identifiers.

Log data: IP address, access times, pages or screens viewed, and crash reports.

Cookies and similar technologies: used on our website and app to remember preferences, maintain sessions, and analyse usage. You can manage cookie preferences through your device or browser settings.

3. How We Use Your Information

We use the information we collect for the following purposes:

To Deliver and Operate the Service

Create and manage your MonieLoop account.

Process and record your budget entries, savings goals, and expense logs.

Compute real-time budget-versus-actual variances and savings progress.

Process your subscription billing (handled by our third-party payment processor).

To Improve and Personalise the Experience

Analyse usage patterns to understand which features are most valuable.

Develop new features and improve existing ones.

Personalise app content based on your goals and preferences.

To Communicate with You

Send transactional emails (account confirmation, password reset, receipts).

Notify you of important service updates or changes to this Policy.

Send optional product tips, financial insights, or promotional messages (you may opt out at any time).

To Ensure Security and Prevent Fraud

Detect, investigate, and prevent unauthorised access and misuse of the MonieLoop service.

Maintain the integrity and security of our systems.

To Meet Legal Obligations

Comply with applicable laws, regulations, and lawful requests from authorities.

Enforce our Terms of Service and protect the rights of MonieLoop and its users.

4. How We Share Your Information

We do not sell, rent, or trade your personal information. We share data only in the following limited circumstances:

Service Providers

We engage trusted third-party companies to help us operate MonieLoop, including:

Cloud infrastructure and hosting providers.

Payment processors (who handle subscription billing securely).

Analytics and crash-reporting tools to maintain app stability.

Customer support platforms.

These providers access your data only to perform services on our behalf and are contractually bound to keep it confidential.

Legal Requirements

We may disclose your information if required to do so by law or in good-faith belief that such action is necessary to comply with legal obligations, protect our rights, or safeguard the safety of our users or the public.

Business Transfers

If MonieLoop is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you via email and/or a prominent notice on our website before your data becomes subject to a different privacy policy.

With Your Consent

We may share your information for any other purpose with your explicit consent.

5. Financial Data

MonieLoop is built on the premise that your financial life is personal. MonieLoop is a budgeting and savings tracking tool — it does not hold, transfer, or have access to your real money. Your financial data within the app consists entirely of records you manually create: savings goals, budget categories, and expense entries you log yourself. This data is used exclusively to deliver the MonieLoop service to you.

We do not sell your financial data.

We do not share your financial data with advertisers.

We do not use your financial data to make automated decisions that affect your credit, insurance, or employment.

Your financial data is encrypted in transit (using TLS) and at rest using industry-standard encryption protocols.

6. Data Retention

We retain your personal information for as long as your account is active or as needed to provide you services. You may request deletion of your account and associated data at any time (see Section 8).

After account deletion, we may retain anonymised, aggregated data that cannot identify you, for product analytics and improvement purposes. We may also retain certain data for a limited period where required by law or for legitimate business purposes such as resolving disputes or preventing abuse.

7. Security

We take the security of your information seriously and implement appropriate technical and organisational measures, including:

Encryption of data in transit via TLS/HTTPS.

Encryption of sensitive data at rest.

Access controls limiting data access to authorised personnel only.

Regular security reviews and vulnerability assessments.

No method of electronic storage or transmission is 100% secure. While we strive to protect your information, we cannot guarantee absolute security. If you believe your account has been compromised, please contact us immediately at support@monieloop.com.

8. Your Rights and Choices

Depending on your location, you may have the following rights regarding your personal data:

Access and Portability

You may request a copy of the personal information we hold about you, in a structured, machine-readable format.

Correction

You may update inaccurate or incomplete information directly through the app's account settings, or by contacting us.

Deletion

You may request the deletion of your account and associated personal data. We will process such requests within 30 days, subject to any legal retention obligations.

Opt-Out of Marketing

You may opt out of receiving promotional emails by clicking "Unsubscribe" in any marketing email, or by updating your notification preferences in the app. You will still receive essential transactional messages related to your account.

Data Subject Requests

To exercise any of these rights, contact us at info@monieloop.com. We may require you to verify your identity before processing your request.

9. Children's Privacy

MonieLoop is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children. If you believe a child under 18 has provided us with personal data, please contact us immediately and we will take steps to delete it.

10. Third-Party Links and Integrations

MonieLoop may contain links to third-party websites or integrate with third-party services. This Policy does not apply to those third-party services, and we are not responsible for their privacy practices. We encourage you to review the privacy policies of any third-party services you interact with.

11. International Data Transfers

MonieLoop operates globally. If you are located outside the country where our servers are based, your information may be transferred to and processed in a different jurisdiction. We ensure that any such transfers comply with applicable data protection laws and that appropriate safeguards are in place.

12. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. We will notify you of material changes by:

Posting the updated Policy on our website and in the app with a new "Last Modified" date.

Sending an email notification to your registered address for significant changes.

Your continued use of MonieLoop after any changes constitutes your acceptance of the updated Policy.

13. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please reach out to us:

MonieLoop Privacy Team

Email: support@monieloop.com

Website: www.monieloop.com

We are committed to working with you to resolve any concerns and to responding to all enquiries within 30 days.

"Budget Smart. Save Intentionally. Grow Wealth." — MonieLoop