Moneta — Privacy Policy

Last updated: October 9, 2026

Moneta ("the App") is a personal expense-tracking app. This policy explains what data the App accesses, why, how it's stored, and how you can control or delete it.

1. Data we access and why

• SMS messages (Android only, with your permission): if you grant the READ_SMS / RECEIVE_SMS permission, the App reads incoming SMS to find bank and merchant transaction notifications. Filtering happens on your device first — only messages from bank/merchant-style sender IDs that already look like a real transaction (contain an amount and a debit/credit/payment keyword) are sent to our server. Personal messages, OTPs, promotional texts, and non-financial content are never transmitted.
• Google account basic profile: your name, email address, and profile picture, used solely to identify your account and let you sign in.
• Transaction data you generate: amounts, merchants, categories, dates, and account references extracted from the messages above, or entered manually by you.
• Recurring-payment estimates: our server analyses your own saved transactions to spot payments that repeat and to estimate upcoming ones. This uses only your own data and no third-party AI service.
• Notifications (optional, Android): if you turn on payment reminders, the App asks for notification permission and creates reminders on your phone. Reminder settings stay on your device and no notification content is sent anywhere.

2. How we store and protect your data

Data is stored in a MongoDB Atlas database operated on our behalf as a data processor. We do not sell your data, and we do not share it with advertisers or data brokers.

3. Data retention and deletion

You can revoke SMS permission at any time from your device settings. You can delete your account and all associated data instantly inside the App (Settings, then Delete account), or request deletion by contacting us at the email below — we will delete your data within 30 days of a verified request. See our account deletion instructions for details.

4. Third-party sharing

We do not share your personal data with third parties, except infrastructure providers (database hosting, Google authentication) strictly necessary to operate the App, each bound to protect your data.

5. Children's privacy

The App is not directed at children under 13, and we do not knowingly collect data from them.

6. Changes to this policy

We may update this policy from time to time. Material changes will be reflected by updating the "Last updated" date above.

7. Contact us

Questions about this policy or your data: technestapptest3@gmail.com