Privacy Policy

1. Who we are

Monaza is a personal finance application operated by the Monaza team (“Monaza”, “we”). For any question about personal data, contact us at hello@getmonaza.com.

2. Data we collect

Account data: name, email address and optional profile photo, managed through our authentication provider (Clerk). If you sign in with Apple, we only receive what you authorize.

Financial data you enter: accounts, balances, transactions, bills, income, budgets and investments. This data is entered manually by you (or imported from a CSV file you choose). Monaza never accesses your bank credentials and never connects directly to your bank.

Usage data: anonymous or pseudonymized events about how the app is used (screens visited, features used), via PostHog, so we can improve the product.

Technical and error data: device information and crash reports, via Sentry, so we can fix problems.

3. How we use data

To provide the service: calculating your “Free to spend”, forecasts and reports — this happens to serve you, and only you.

To improve the product: understanding which features help and where the app falls short.

To communicate with you: service emails and, sparingly, product news (via Resend). You can opt out of non-essential communication at any time.

We never sell your data. We never share your financial data with advertisers.

4. Where data lives

Your data is stored in cloud databases run by specialized providers, encrypted in transit and at rest. Servers may be located outside Angola (European Union and/or United States), with providers meeting international security standards.

5. Who we share with

Only with processors needed to run the service: authentication (Clerk), cloud database, product analytics (PostHog), error monitoring (Sentry) and email delivery (Resend). Each is bound by data-protection obligations.

We may disclose data where the law requires it, upon a valid request from a competent authority.

6. Your rights

You have the right to access, correct and delete your data, and to withdraw consent for communications. You can delete transactions, accounts or your entire account inside the app, or ask us by email — we respond within 30 days.

These rights reflect Angola's Law no. 22/11 (Personal Data Protection) and international best practice (including GDPR principles).

7. Retention and deletion

We keep your data for as long as your account exists. If you delete your account, your personal and financial data is removed from active systems within 30 days, with only temporary backups remaining until they expire automatically.

8. Children

Monaza is not intended for children under 16, and we do not knowingly collect data from minors.

9. Changes to this policy

If we make material changes, we notify you in the app or by email before they take effect. The date at the top shows the latest revision.

10. Contact

Privacy questions? Write to us: hello@getmonaza.com.