Privacy Policy

This Privacy Policy explains how Moni Budget ('we', 'us', or 'our') collects, uses, and protects your personal data when you use our service. By using Moni Budget you agree to the practices described here.

We collect the minimum data necessary to provide the service:

• Account information — your email address and a bcrypt-hashed version of your password. We never store your password in plain text.
• Financial data — transactions, account balances, budget categories, savings goals, and recurring rules that you enter manually.
• Locale preference — a cookie storing your chosen language (English or Swedish).
• Session data — a signed, httpOnly session cookie used to keep you logged in. It expires after a configurable inactivity period.

We use your data solely to operate and improve Moni Budget. Specifically:

• To authenticate you and provide access to your financial data.
• To display your transactions, budgets, reports, and savings goals.
• To process recurring transaction rules automatically.

We do not use your data for advertising, profiling, or any purpose beyond operating the service.

We do not sell, rent, or share your personal data with third parties. Your financial data is never disclosed to advertisers, data brokers, or analytics providers.

Your data is retained for as long as your account is active. When you delete your account, all associated personal data is permanently removed from our systems.

As a data subject under the GDPR, you have the right to:

• Access — request a copy of the personal data we hold about you.
• Rectification — ask us to correct inaccurate or incomplete data.
• Erasure — request deletion of your personal data ('right to be forgotten').
• Portability — receive your data in a structured, machine-readable format.
• Restriction — ask us to limit processing of your data in certain circumstances.
• Objection — object to processing based on legitimate interests.

To exercise any of these rights, contact us at hello@monibudget.com.

We use two cookies:

• Session cookie (httpOnly, Secure) — required for authentication. Without it you cannot stay logged in.
• Locale cookie — stores your language preference. You can clear it at any time via your browser settings.

We take reasonable technical measures to protect your data, including bcrypt password hashing, TLS-encrypted connections, and httpOnly session cookies. For a full overview of our security practices, see our Security page. Security page.

For privacy-related questions or to exercise your rights, email us at hello@monibudget.com.