Privacy and data protection

Privacy Policy

How Monario collects, uses, protects, and handles personal information for the budgeting app and landing page.

This template is written for an early-stage Canadian budgeting app that uses accounts, transactions, budgets, categories, CSV imports, authentication, and basic analytics. Replace the bracketed placeholders before launch and have counsel review it.

Effective date: May 18, 2026

Last updated: May 18, 2026

Operator: Monario, operated by [legal entity name to be added]

Privacy contact: privacy@monario.app

1. About this Privacy Policy

This Privacy Policy explains how Monario collects, uses, discloses, stores, and protects personal information when you visit monario.app, create an account, use the Monario web app, contact us, or interact with our services.

Monario is a budgeting and personal finance application. Because users may enter financial information, we treat account, transaction, budget, and import data as sensitive application data and use it only to provide, secure, improve, and support the service.

2. Information we collect

Account information

  • Name, if provided.
  • Email address.
  • Password or authentication credentials handled through our authentication provider.
  • Account status, preferences, and support history.

Financial application data you provide

  • Account names, balances, account types, and opening balances.
  • Transactions, merchants, dates, amounts, notes, tags, categories, budgets, and recurring items.
  • CSV files and mapped fields you import into Monario.
  • Corrections, category rules, and user-created budget settings.

Technical and usage information

  • Device, browser, operating system, IP address, approximate location derived from IP address, and log data.
  • Pages viewed, buttons clicked, session events, error logs, performance metrics, and security events.
  • Cookies or similar technologies used for authentication, security, preferences, and basic analytics.

Communications

  • Messages sent to support or contact email addresses.
  • Feedback, feature requests, survey responses, or beta testing comments.

3. How we collect information

We collect information directly from you when you create an account, enter data, import a CSV file, configure budgets, or contact us. We also collect some technical information automatically through the website, app, hosting infrastructure, authentication system, logging tools, and analytics tools.

4. Why we use information

We use personal information for the following purposes:

  • To create, authenticate, and manage your Monario account.
  • To provide budgeting, account tracking, CSV import, transaction categorization, dashboard, and reporting features.
  • To save your settings, preferences, categories, and budget structure.
  • To secure the service, detect abuse, prevent fraud, investigate errors, and maintain logs.
  • To provide customer support and respond to your requests.
  • To understand product usage and improve usability, performance, reliability, and feature quality.
  • To send service messages, security notices, product updates, and account-related communications.
  • To comply with legal, tax, accounting, regulatory, dispute, and enforcement obligations.

5. Cookies and analytics

Monario may use cookies and similar technologies for login sessions, security, preferences, analytics, and performance measurement.

We do not intend to use cookies to sell your financial data. If we add optional marketing or advertising cookies in the future, we will update this policy and provide any consent or preference controls required by applicable law.

6. Financial data and bank connections

Monario’s first version is designed around manual entry and CSV import. We do not require a live bank connection to use the service.

If Monario later adds bank connection features, we will update this Privacy Policy before launch of that feature and explain the provider, data collected, permissions requested, security model, and user controls.

7. When we disclose information

We do not sell your personal financial data. We may disclose personal information in the following limited circumstances:

  • Service providers: hosting, database, authentication, email delivery, analytics, logging, customer support, payment processing, and security providers that help us operate Monario.
  • Legal and safety reasons: to comply with law, court orders, regulatory obligations, enforce our terms, protect rights, investigate abuse, or protect users and the service.
  • Business transfers: as part of a merger, acquisition, financing, reorganization, or sale of assets, subject to appropriate confidentiality and legal safeguards.
  • With your direction: when you ask us to export, share, connect, or transmit information to another service.

8. Service providers and storage location

Monario may use third-party infrastructure and software providers to operate the service. These providers may process or store information in Canada, the United States, the European Economic Area, or other jurisdictions where they or their subprocessors operate.

Before launch, replace this section with your actual provider list, including hosting, database, authentication, analytics, email, logs, payment processor, and support tools.

9. Security safeguards

We use administrative, technical, and organizational safeguards designed to protect personal information. These may include encrypted connections, access controls, authentication protections, least-privilege permissions, monitoring, backups, logging, and vendor controls.

No online service can guarantee absolute security. You are responsible for using a strong, unique password, protecting your device, and keeping your login credentials confidential.

10. Retention and deletion

We keep personal information only as long as reasonably necessary for the purposes described in this policy, unless a longer retention period is required or permitted by law.

You may request deletion of your account. After deletion, we may retain limited information when necessary for security, fraud prevention, legal compliance, backups, dispute resolution, accounting, or enforcement of our terms. Backup copies may take additional time to expire from backup systems.

11. Your privacy rights

Depending on where you live, you may have rights to access, correct, delete, export, restrict, withdraw consent, or complain about the handling of your personal information.

To exercise privacy rights, contact us at privacy@monario.app. We may need to verify your identity before responding.

12. Children

Monario is not intended for children under 14. We do not knowingly collect personal information from children under 14. If you believe a child has provided us personal information, contact us and we will take appropriate steps.

13. Automated decisions and profiling

Monario may use rules, categorization logic, and analytics to help organize transactions and budgets. We do not currently make decisions with legal or similarly significant effects about users based solely on automated processing.

14. International users

Monario is initially intended for users in Canada. If you access the service from another country, your information may be processed in jurisdictions with privacy laws different from your own.

15. Changes to this policy

We may update this Privacy Policy from time to time. If changes are material, we will provide notice through the website, app, email, or another reasonable method. The latest version will always be posted on this page.

16. Contact

For privacy questions, rights requests, or complaints, contact:

Privacy Officer
Monario
Email: privacy@monario.app
Mailing address: [business mailing address to be added]