Monevo

Privacy policy

Effective November 15, 2026

Monevo is an app to record your expenses, income and transfers in all your currencies. It is published by iFix (ifixbs.com). This policy explains what data Monevo uses, why, and what control you have over it.

In short: your financial data is yours. We store it only so the app works, we don't sell it, we don't show ads and we don't track you across other apps. You can delete your account and all your data from the app at any time.

1. Data we store

Data	Why
Your email	To sign in with a one-time code. We don't use passwords.
Preferences: language, main currency, time zone and country or region	To show amounts, dates and currencies the way you expect.
Your financial data: accounts, opening balances, entries, transfers, commitments or subscriptions, categories, exchange rates you set, certificates and manually updated investments	This is the app's content: showing your totals, balances, lists and charts on all your phones.
Usage events (for example “an expense was created” or “voice was used”), with date, platform and app version	To understand which features are used and improve them. They never include amounts, descriptions, account names or dictated text.
Daily count of receipt readings	To control the cost of that feature. It's just a number per day.

We never ask for or store passwords, card numbers, banking credentials or third‑party credentials. Monevo does not connect to your bank.

2. Quick entry, voice and receipt photos

Text: when you type something like “12 dollars lunch card”, Monevo may send it to an artificial intelligence service to suggest the amount, currency, account and category. Along with the text it sends today's date, your language and the list of your accounts and categories (name, type and currency). Balances and entries are never sent. Nothing is saved until you confirm it.
Voice: speech recognition is done by your phone's system (Apple or Google, depending on your device) under their policies. Monevo only receives the resulting text and treats it like typed text. We don't store audio.
Receipt photo: the photo you take or choose is compressed on your phone and sent to the artificial intelligence service only to read it. It is not stored on our servers.

What we do store is the entry you confirm (amount, currency, account, category, date and any description you keep) and whether you added it manually, by text, voice or photo.

The suggestions Monevo learns from your corrections (for example, which account you use for each currency) stay on your phone and are not sent anywhere.

3. Services we use

Service	What it does	What it receives
Supabase	Database, sign-in and server functions	All the data in section 1, protected so each user can only see their own
Anthropic (Claude)	Interpreting quick entries and reading receipts	Only what is described in section 2, at the moment you use it. Under its commercial terms, it does not use this data to train its models.
Public exchange-rate sources	Getting daily rates	None of your data: our server fetches them once a day for all users
Apple App Store / Google Play	Distributing the app	What those stores collect under their own policies

We don't sell or rent your data. We don't share it with advertisers or data brokers. We don't use third‑party advertising or tracking tools.

4. Data on your phone

So the app works offline, Monevo keeps a copy of your data on your phone, plus any changes not yet sent. When you sign out, the copy is deleted; unsent changes are kept so they can be sent when you sign back in. When you delete your account, everything is deleted.

Microphone, speech recognition, camera, photos and motion permissions are used only when you start that action. Notifications are local reminders of your commitments; we don't send marketing notifications.

5. Security

Data travels encrypted (HTTPS). On the server, per-user access rules prevent anyone from reading or changing someone else's data. Service keys live only on the server, never inside the app.

6. How long we keep your data

For as long as you have an account. If you delete it, we immediately delete your account and all your financial data, preferences, usage events and counts. The database provider's automatic backups roll over and disappear in their normal cycle.

7. Your rights and how to use them

See and correct: everything we store about you can be seen and edited in the app.
Delete: in the app, go to Settings → Delete my account. If you no longer have the app, email us from your account's email (see how to delete your account).
A copy of your data or other requests: email us and we'll reply within 30 days.

These rights apply wherever you are, including those given by laws such as the EU GDPR or California privacy laws.

8. Children

Monevo is not directed to children under 13 and we don't knowingly collect their data. If you believe a child has given us data, email us and we will delete it.

9. Changes to this policy

If we change this policy, we'll publish the new version here with its date. If the change affects how we use your data, we'll ask you again before applying it.

10. Contact

iFix · [email protected]