Privacy Policy

The short version

Your data stays on your device by default. The only data Monly's server ever holds is wallets you explicitly share. There are no ads, no advertising identifiers, no third-party analytics, and your data is never sold. You can erase everything from the server yourself, inside the app.

What stays on your device

Everything, by default. Wallets, expenses, budgets, bills, receipts and settings are stored locally on your iPhone. You can use Monly without creating an account, and none of this data reaches us. Monly never connects to your bank and never asks for bank credentials.

What is stored on the server

Only wallets you explicitly share. When you share a wallet, its contents — name, currency, transactions, categories, budgets and the member list — are stored on the server so the people you invited can see and sync it. Access is limited to the wallet's members.

Private wallets never leave your device. Stopping sharing, leaving a wallet, or deleting your account removes your shared data from the server as described under Retention below.

Sign in with Apple

You only sign in when you share a wallet or accept an invitation. Apple provides us an opaque user identifier, an optional relay email address, and the optional display name you choose. We use these only to identify wallet members to each other. We never see your Apple password.

Push notifications

If you enable notifications, we store your device's push notification token so Apple's notification service can reach your device — for example, when something changes in a shared wallet. The token identifies a device, not a person, and is deleted with your account.

Purchases

Subscriptions are bought through Apple and managed by RevenueCat, our purchase-management provider. We receive your purchase status — whether a subscription is active — and never your card details or billing address. Apple handles all billing.

What we don't do

No advertising identifiers. No third-party analytics or tracking SDKs. No selling or renting data, to anyone, ever. This website is served without third-party resources of any kind — no external fonts, no analytics scripts, no tracking pixels.

Retention

Server-side data exists only while it is shared. If you stop sharing a wallet or leave one, it stops syncing; if you delete your account, all data tied to your account is erased from the server.

Copies of a formerly shared wallet that other members keep on their own devices belong to those members — much like a spreadsheet you once sent someone.

Deleting your data

In Monly, open Settings → Account → Delete Account. This erases your account and your server-side data. For data that only ever lived on your device, deleting the app is enough.

Changes to this policy

If this policy changes, we will update this page and the date at the top. Meaningful changes will also be announced in the app.

Contact

Questions about privacy? Email us at support@monlybudget.app.