Privacy Policy

This Privacy Policy explains how Monohroshi collects, uses, stores, and shares information when you use the Monohroshi mobile application, website, and related services.

1. Who operates Monohroshi

Monohroshi is operated by Sole Proprietor Rostyslav Ihorovych Lytvyn, located in Lviv, Ukraine, Pryrodna 10. If you have questions about this Privacy Policy or your personal data, you can contact us at support@monohroshi.com.

2. What information we collect

Depending on how you use Monohroshi, we may collect the following categories of information:

• Account and profile data, such as your name, email address, authentication provider details, and basic account settings.
• Financial data you choose to provide, such as accounts, balances, transactions, categories, tags, budgets, savings goals, currencies, and similar information you enter into the app.
• Shared space data, such as workspace names, invitations, member details, and activity needed to support shared financial spaces.
• AI interaction data, such as prompts, questions, and related financial context needed to generate AI-powered insights or assistant responses.
• Device and usage data, such as app events, crash-related information, attribution data, diagnostic data, and approximate technical information about your device or browser.
• Notification data, such as push tokens and reminder preferences, if you enable notifications.
• Purchase and subscription data, such as product identifiers, subscription status, and transaction confirmation details received from app store platforms. We do not receive your full payment card number from Apple or Google.
• Communications, such as messages you send to our support team.

3. How we collect information

We collect information:

• directly from you when you create an account or use the app;
• automatically when you interact with the app or website;
• from login providers such as Apple or Google when you choose those sign-in methods;
• from app store platforms in connection with subscriptions and purchases;
• from service providers that help us operate analytics, notifications, attribution, hosting, or AI features.

4. Why we use your information

We use personal information to:

• create and manage your Monohroshi account;
• provide budgeting, expense tracking, analytics, and shared-space features;
• process and display the financial data you choose to enter;
• generate AI-powered insights and assistant responses;
• send reminders, security messages, service updates, and support replies;
• process subscriptions and confirm your access to paid features;
• monitor reliability, prevent abuse, investigate issues, and improve the service;
• comply with legal obligations and enforce our Terms and Conditions.

5. Legal basis and service justification

We process information because it is necessary to provide the services you request, operate your account, perform our contractual obligations, protect the service, comply with legal obligations, and pursue legitimate business interests such as improving reliability, preventing fraud, and maintaining service quality. Where required by law, we will rely on consent for specific processing activities, such as certain analytics or notification-related actions.

6. Authentication and account access

If you sign in through Apple, Google, or another supported provider, we receive information needed to authenticate you and operate your account. The information we receive depends on the provider and your privacy settings with that provider.

7. Financial data and AI features

Monohroshi is designed to help you organize and understand personal financial information. When you use AI-powered features, prompts and related account or transaction context may be processed to produce answers, insights, suggestions, or summaries. We aim to limit the data used to what is reasonably necessary to provide the feature.

AI-generated responses may be produced with the help of third-party providers acting on our behalf. We do not treat AI outputs as professional financial, investment, tax, accounting, or legal advice.

8. Notifications, analytics, and attribution

If you enable reminders or push notifications, we use notification tokens and related settings to send messages you request. We may also use analytics, crash reporting, and attribution tools to understand app performance, detect bugs, measure usage trends, and evaluate marketing performance.

9. Purchases and subscriptions

Subscriptions and in-app purchases are processed through the relevant app store platform. We may receive limited subscription details such as purchase status, expiration data, and transaction identifiers in order to activate or manage paid features. Payment processing is handled by the platform provider, not by Monohroshi directly.

10. When we share information

We may share information in the following situations:

• with service providers that support hosting, authentication, analytics, notifications, attribution, AI features, customer support, or infrastructure;
• with other users in a shared financial space, but only to the extent necessary for workspace collaboration and invitation features;
• if required by law, regulation, court order, or lawful government request;
• to protect the rights, safety, property, or security of Monohroshi, our users, or others;
• as part of a business transfer, restructuring, or sale, subject to applicable law.

We do not sell your personal information to data brokers or advertisers.

11. International processing

Your information may be processed in countries other than the one in which you live, including where our service providers operate. Where this happens, we take reasonable steps to require appropriate safeguards consistent with applicable law.

12. Data retention

We retain personal information for as long as reasonably necessary to provide the service, maintain your account, comply with legal obligations, resolve disputes, enforce our agreements, and keep appropriate business records. Retention periods may vary depending on the type of data and the reason it was collected.

13. Security

We use reasonable technical and organizational measures designed to protect personal information. However, no method of transmission, storage, or security control is completely secure, and we cannot guarantee absolute security.

14. Your choices and rights

Depending on your location and applicable law, you may have rights to access, correct, update, delete, or object to certain processing of your personal information. You may also be able to request a copy of certain data or withdraw consent where processing relies on consent. You can contact us at support@monohroshi.com to make a request.

15. Children

Monohroshi is not intended for independent use by young children as a financial service. We expect users who create and manage accounts to be adults or to use the service only with appropriate parent or legal guardian involvement where required by applicable law. If you believe a child provided personal information inappropriately, please contact us.

16. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. If we make material changes, we may provide notice through the app, website, or by other appropriate means. The updated version becomes effective when posted, unless otherwise stated.

17. Contact us

If you have questions about this Privacy Policy or our privacy practices, contact:

Sole Proprietor Rostyslav Ihorovych Lytvyn
Lviv, Ukraine, Pryrodna 10
support@monohroshi.com