Moniqa Privacy Policy
Your financial privacy is our highest priority
Last updated: September 27, 2025
🔒 Privacy-First Design
Moniqa is built with privacy as the foundation. Your financial data never leaves your device. We don't collect, store, or transmit any of your personal financial information.
- • 100% Local Storage: All data stays on your device
- • No Account Required: Start using immediately
- • No Data Collection: We don't see your transactions
- • MMKV Encryption: Your data is encrypted locally
- • Works Offline: No internet connection needed
What We Don't Collect
Unlike other financial apps, Moniqa is designed to protect your privacy completely:
- • No transaction data - Your expenses, income, and financial records stay private
- • No personal information - No names, emails, or account details required
- • No usage analytics - We don't track how you use the app
- • No device information - No device IDs, location data, or system information
- • No third-party tracking - No advertising networks or data brokers
- • No crash reports - Even error reports stay on your device
How Your Data is Stored
Local Storage with MMKV Encryption
Moniqa uses MMKV (Memory Mapped Key-Value) storage with encryption to keep your financial data secure on your device:
- • All data is encrypted before being stored
- • Fast, efficient local database
- • No cloud synchronization
- • Data is only accessible by the Moniqa app
- • Secure against unauthorized access
App Permissions
Moniqa requests minimal permissions to function:
✅ Storage Permission
Used to save your financial data locally on your device. This data never leaves your device.
✅ File Access (Premium)
Only used for CSV export feature in premium version. Files are created locally for your use.
❌ What We Don't Request
- • No internet/network access for data transmission
- • No camera or microphone access
- • No location or GPS access
- • No contact or phone access
- • No access to other apps or system information
Financial Data Protection
⚠️ Important Financial Privacy Notice
Your financial information is highly sensitive. Moniqa is designed to keep this information completely private:
- • Bank accounts, credit cards, and payment methods are never accessed or stored
- • Transaction details you enter are encrypted and stored locally only
- • Spending patterns and budgets remain private to you
- • No financial institutions are connected or can access your data
- • No third parties receive any financial information
Data Backup and Export
Since your data stays on your device, you have full control over backups and exports:
- • Device backups: Your data is included in device backups if enabled
- • CSV export: Premium users can export data to CSV files for external backup
- • No cloud sync: We don't provide cloud backup to maintain privacy
- • Manual transfer: You can manually backup exported files to your preferred storage
Third-Party Services
✅ No Third-Party Integrations
Moniqa operates independently without third-party services that could access your data:
- • No analytics services (Google Analytics, Firebase, etc.)
- • No advertising networks
- • No crash reporting services
- • No cloud storage providers
- • No social media integrations
- • No payment processors (beyond app store purchases)
App Store Compliance
Moniqa complies with Google Play Store and Apple App Store privacy requirements:
- • Privacy labels: Accurate disclosure of no data collection
- • Permissions: Only essential permissions requested
- • Data safety: Transparent about local storage approach
- • Terms compliance: Adherence to platform policies
Data Deletion
Since all data is stored locally on your device, you have complete control over deletion:
- • Uninstall the app: Removes all data from your device
- • Clear app data: Use device settings to clear all stored information
- • Individual transactions: Delete specific entries within the app
- • Reset app: Clear all data and start fresh from app settings
Contact Information
If you have questions about this privacy policy or the app:
Policy Updates
This privacy policy may be updated to reflect changes in the app or legal requirements:
- • Notification: Updates will be posted in the app and on our website
- • No retroactive changes: Updates won't affect existing data handling
- • Privacy commitment: We will never compromise our privacy-first approach