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Privacy Policy

Last updated: March 11, 2026

Note: This is a translation provided for your convenience. In case of any discrepancy between this translation and the Portuguese version, the Portuguese version shall prevail.

Your privacy is important to us. This Privacy Policy explains how Monely ("we", "our" or "app") collects, uses, stores and protects your personal information when you use our personal finance management app.

By using Monely, you agree to the practices described in this policy. We recommend that you read this document carefully.

1. Information We Collect

1.1 Information you provide

  • Registration data: name, email address and profile photo (optional).
  • Financial data: information about accounts, income, expenses, categories, labels and goals that you voluntarily enter in the app.
  • WhatsApp messages: texts, audio and images you send to our AI assistant to record financial transactions.
  • In-app AI chat: messages, images, audio and financial data (amounts, categories, dates) that you share with the AI assistant within the app, subject to your explicit consent.
  • Referral data: referral code, history of referrals made and conversion status.
  • Communications: messages sent through the contact form or support.

1.2 Information collected automatically

  • Device data: device model, operating system, app version and unique identifiers.
  • Usage data: information about how you interact with the app, such as screens accessed and features used.
  • Error logs: technical information to identify and fix problems in the app.

1.3 Information from third parties

  • Authentication: if you choose to sign in with Google or Apple, we receive your name, email and profile photo (if available) from these platforms.

2. How We Use Your Information

We use your information to:

  • Provide the service: allow you to record, organize and view your personal finances.
  • AI message processing: analyze texts, transcribe audio and extract information from images (OCR) sent via WhatsApp to automatically record transactions.
  • In-app AI features: generate personalized financial insights and intelligent responses through the AI chat, based on your financial data, subject to your prior explicit consent (see section 7.1).
  • Personalize the experience: adapt the app to your preferences (language, theme, settings).
  • Synchronization: keep your data synchronized across devices.
  • Referral program: manage your referral code, track referrals and apply bonuses.
  • Communication: send notifications about scheduled payments, important updates and respond to your messages.
  • Service improvement: analyze app usage to identify problems and develop new features.
  • Security: protect against fraud, abuse and unauthorized activities.
  • Social features: display your username and profile photo in rankings and other community features of the app, visible to other users.

3. Information Sharing

We do not sell your personal information. We may share data only in the following situations:

  • With your consent: when you explicitly authorize sharing.
  • Shared expenses: if you use the shared group feature, group members will have access to records marked as shared.
  • Rankings and social features: by participating in rankings or community features, your username and profile photo will be displayed to other users of the app. By using these features, you authorize the display of this information. Detailed financial data (amounts, transactions, categories) is never shared in rankings.
  • Service providers: we use third-party services for:
    • Authentication (Firebase Authentication)
    • Data storage (secure servers)
    • Email sending (SendGrid)
    • Push notifications (Firebase Cloud Messaging)
    • Error monitoring (Sentry)
    • AI processing — Google Gemini AI (primary provider) and OpenAI (fallback provider)
    • WhatsApp integration (WhatsApp Business API)
    These providers are contractually obligated to protect your information.
  • Legal obligations: when required by law, court order or to protect our rights.

4. Storage and Security

4.1 Where your data is stored

Your data is stored on secure servers located in Brazil and/or in international data centers of trusted providers (such as Google Cloud and Firebase).

4.2 Security measures

We implement various measures to protect your information:

  • Encryption of data in transit (HTTPS/TLS)
  • Encryption of sensitive data at rest (AES-256)
  • Secure authentication with JWT tokens
  • Protection against common attacks (SQL injection, XSS, CSRF)
  • Continuous security monitoring
  • Regular backups

4.3 Data retention

We keep your data as long as your account is active. If you delete your account, your personal data will be removed within 30 days, except when retention is necessary for legal obligations.

5. Your Rights

According to the General Data Protection Law (LGPD), you have the right to:

  • Access: request a copy of the data we have about you.
  • Correction: correct incomplete, inaccurate or outdated data.
  • Deletion: request the deletion of your personal data.
  • Portability: receive your data in a structured format.
  • Revocation: withdraw your consent at any time.
  • Information: know with whom your data has been shared.

To exercise these rights, contact us at contato@monely.app.

6. Cookies and Similar Technologies

The Monely mobile app does not use cookies. However, our website may use:

  • Essential cookies: necessary for basic website functionality.
  • Local storage: to save preferences (such as theme and language choices).

7. Third-Party Services

Monely uses the following third-party services:

  • Firebase (Google): authentication, push notifications and analytics. Firebase Privacy Policy
  • Google Sign-In: authentication via Google account. Google Privacy Policy
  • Apple Sign-In: authentication via Apple account. Apple Privacy Policy
  • Sentry: error monitoring. Sentry Privacy Policy
  • WhatsApp Business API (Meta): integration for receiving messages via WhatsApp. WhatsApp Privacy Policy
  • Google Gemini AI (Google): primary artificial intelligence provider for chat, financial insights, natural language processing, audio transcription and image recognition. Your data is not used to train AI models. Google AI Principles
  • OpenAI: fallback artificial intelligence provider, used when the primary service is unavailable. Your data is not used to train AI models. OpenAI Privacy Policy

7.1 Consent for AI Features

The artificial intelligence features within the app (AI chat and personalized financial insights) require your explicit consent before any data processing takes place. When using these features:

  • You will be asked to consent to data sharing before first use;
  • The following data may be sent for processing: messages, images and audio you send; financial transaction data (amounts, categories, dates); and photos of receipts or documents you upload;
  • Your data is processed by Google (Gemini AI) as the primary provider and OpenAI as the fallback provider;
  • Your data is not used to train artificial intelligence models;
  • You may revoke your consent at any time in the app settings, which will disable AI features;
  • Revoking consent does not affect the lawfulness of processing carried out prior to revocation.

Use of these features is optional. All other Monely features remain fully available regardless of your AI consent.

Legal basis (LGPD): data processing by AI features is carried out based on the data subject's consent (Art. 7, I, of Law No. 13.709/2018 — LGPD).

8. Minors

Monely is not intended for minors under 18 years of age. We do not intentionally collect information from minors. If we become aware that we have collected data from a minor, we will take steps to delete that information.

9. International Data Transfer

Your data may be transferred and processed in countries other than Brazil, where our servers and service providers are located. We ensure that these transfers are made in accordance with applicable legislation and that adequate protection measures are implemented.

10. Changes to this Policy

We may update this Privacy Policy periodically. When we make significant changes, we will notify you through the app or by email. The date of the last update will always be indicated at the beginning of this document.

Continued use of Monely after the changes constitutes your acceptance of the updated policy.

11. Contact

If you have questions, concerns or requests related to this Privacy Policy or the processing of your personal data, contact us:

12. Applicable Law

This Privacy Policy is governed by the laws of the Federative Republic of Brazil, particularly the General Data Protection Law (LGPD - Law No. 13.709/2018).

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