Privacy Policy

Last updated: 13 October 2026

Monetor is a personal finance tracking app for iPhone (bundle id com.monetor.app). It helps you record transactions, receipts, bills, goals, loans, and assets. Monetor does not hold money, move money, connect to bank accounts, or execute trades. You add data yourself: type it in, scan a receipt you choose, or optionally send eligible Apple Pay events and payment notifications from apps you select through Shortcuts automations you install.

This policy explains what we collect, who processes it, and how you can control it. You can also open it in the app at Settings → Privacy Policy.

What we collect

• Account data. Email, user id, name if you provide one, authentication identifiers, and account settings.
• Financial data you add. Transactions, merchants, categories, amounts, notes, budgets, bills, goals, assets, pair codes, and similar records you create or import.
• Apple Shortcuts data. If you enable automation, your Shortcut may send merchant, amount, currency, date, card label, and device pairing details. Monetor does not read your complete Apple Wallet history and does not connect to a bank.
• Payment notification data. If you set up the payment-notification automation, Shortcuts sends Monetor the text of notifications from the apps you select (for example a bank app or Messages), the source app name, and the time. Monetor uses it to identify payments. If a payment needs your review, an encrypted excerpt is kept for up to 7 days and removed when you resolve it. You choose which apps are included and can remove them in Apple Shortcuts at any time.
• Receipt data. Images or text from receipts you photograph or pick, plus extracted details. Images go to ScanDocFlow only after you Allow AI receipt scanning.
• Purchase status. App Store purchase receipts and subscription or trial entitlement status.
• Product analytics. User id, plan, and screens or events. Amounts, merchants, emails, tokens, and receipt text are sanitized and not sent as raw values.
• Diagnostics. Device and app crash or performance information. This may include user id and email.
• Waitlist data. If you join from this website, your email, the page you signed up on, the first page you visited in that browser session, the referring website’s domain, and any campaign tags in the link you followed (such as utm_source). We use this to contact you about access and to understand which pages bring people to Monetor. We do not use it for advertising or share it with ad networks.

We do not ask for bank credentials. Monetor does not use Plaid, screen scraping, or a bank aggregator.

What we do not do

• We do not sell, rent, or trade your personal data.
• We do not use third-party advertising SDKs.
• We do not ask for bank usernames, passwords, or one-time passcodes.
• We do not collect IDFA or use App Tracking Transparency for ads.
• We do not take card numbers ourselves.

How we use data

• To provide the app, sync your account, and show your dashboard.
• To process imports, receipt scans, categorization, alerts, and optional AI insights.
• To keep the service secure and stable, including crash diagnostics.
• To check subscription and trial status.
• To send account, support, billing, and important service messages.

Financial records are stored on Monetor’s backend so they can sync with your account. They do not stay only on your phone.

Storage and security

Account data is stored on Monetor’s backend (Supabase) with encryption in transit and at rest where the host supports it. Authentication uses token-based access controls. Financial records are scoped to your account and are not visible to other users.

Optional AI

AI is optional. Manual transaction tracking works if you tap Not now or later turn AI off.

Before the first Groq or ScanDocFlow request, Monetor asks you to Allow or choose Not now. The in-app copy is:

• Insights. “Monetor sends your financial activity to Groq to create this insight. It’s optional, and you can change this in Settings.”
• Receipts. “Monetor sends this receipt to ScanDocFlow and its text to Groq to extract the details. You can add it manually instead.”
• Payment notifications. “Monetor sends notification text from your selected apps, including Messages, to Groq to identify payments. Choose only the apps you want to share. You can remove them in Apple Shortcuts and turn off AI processing in Settings.”
• Settings. “AI features” — you can Allow or Turn off.

After you Allow, and only then:

• Groq receives financial activity context (merchants, categories, amounts, bills, goals, assets), extracted receipt text, payment-notification text from apps you selected, and optional loan-schedule text or merchant descriptors. That data is used to generate the insight, identify the payment, or extract fields. It is not used for advertising.
• ScanDocFlow receives the receipt image you chose to scan. That image is used to extract receipt text. It is not used for advertising.

You can withdraw later: Settings → AI features → Turn off.

We send the data needed to generate the response. After that, retention follows that provider’s processor terms. Turning off AI or deleting your Monetor account stops future sharing. It does not guarantee those providers delete copies they already processed.

Who processes your data

We share data with the processors below to run the app. They process data for Monetor under their terms and ours. We do not permit them to sell your personal data or use it for advertising.

Supabase

Auth, database, and hosting for your account and core app data.

• Data. Email, user id, name if provided, transactions, merchants, categories, amounts, bills, goals, assets, settings, pair codes.
• Linked to you. Yes.
• Ads or tracking. No.
• When. Account and core app use.

Apple

Sign in with Apple, in-app purchases, and push notifications.

• Data. Apple identity token or email relay, purchase receipts, push token.
• Linked to you. Yes.
• Ads or tracking. No.
• When. Login, purchases, notifications.

RevenueCat

Subscription status for the paywall and restore.

• Data. App User ID, entitlement and purchase status.
• Linked to you. Yes.
• Ads or tracking. No.
• When. Paywall and restore.

Groq

Optional AI insights, receipt-text parsing, payment-notification parsing, and optional merchant or loan assistance.

• Data. Financial activity context (merchants, categories, amounts, bills, goals, assets), extracted receipt text, notification text from apps you selected, optional loan-schedule text or merchant descriptors.
• Linked to you. Processed in that user’s request.
• Ads or tracking. No ads.
• When. Only after explicit in-app Allow.

ScanDocFlow

Optional receipt OCR.

• Data. The receipt image you chose to scan, sent as part of that scan.
• Linked to you. Sent as part of that scan.
• Ads or tracking. No ads.
• When. Only after explicit in-app Allow.

PostHog

Product analytics for how people use Monetor.

• Data. User id, plan, screens and events. Amounts, merchants, emails, tokens, and receipt text are sanitized and not sent as raw values.
• Linked to you. Yes (identified_only).
• Ads or tracking. No ads, no IDFA.
• When. App use.

Sentry

Crash reports and diagnostics.

• Data. Device and app diagnostics. May include user id and email.
• Linked to you. May be linked.
• Ads or tracking. No ads.
• When. Errors and performance.

Photos and camera

Camera and the photo library are used only to scan receipts you choose. Images go to ScanDocFlow only after you Allow AI receipt scanning. You can add a receipt manually instead.

Purchases

Subscription and trial status are processed by Apple and RevenueCat. Monetor does not take card numbers itself.

Analytics and tracking

Monetor does not use IDFA, App Tracking Transparency, or ad networks.

PostHog and Sentry are first-party product analytics and diagnostics for the Monetor app. They are not cross-app advertising. We do collect diagnostics when the app errors or we need to understand reliability.

This website may use privacy-conscious analytics for page views and basic performance, not for ad targeting.

Delete your account

You can delete your account in the app: Settings → Delete Account.

That permanently removes the Monetor account and stored Monetor data.

It does not cancel an App Store subscription or trial. To stop billing, cancel in App Store Settings → Subscriptions (Manage Subscription).

You can also email hello@monetor.co to request deletion.

Deleting your Monetor account stops future sharing with processors. Already-processed prompts, images, purchase receipts, analytics events, and crash reports are handled under each processor’s terms. We do not claim that Apple, RevenueCat, Groq, or ScanDocFlow retroactively wipe historical processor logs.

We may retain limited records after deletion where required for security, fraud prevention, legal compliance, accounting, or dispute resolution.

Your rights

You can request access, correction, export, or deletion via hello@monetor.co. We will respond within a reasonable time, usually within 30 days. You can also ask us to remove a waitlist email.

In the app:

• Settings → Privacy Policy
• Settings → Delete Account
• Settings → AI features

Retention

We keep account data while your account is active or as needed to provide the service. After you delete your account, we remove stored Monetor data as described above.

For optional AI, we send the data needed to generate the response. After that, retention follows that provider’s processor terms.

Children

Monetor is not intended for children under 13, and we do not knowingly collect personal data from children under 13.

Changes

If this policy changes in a material way, we will update the “Last updated” date and, where appropriate, notify users in the app or by email.

Contact

Questions or privacy requests: hello@monetor.co.

Monetor is operated from Armenia.