Privacy Policy

Last updated: August 2025

Introduction

At Monétiq, we are committed to protecting your privacy and ensuring the security of your personal and financial information. This Privacy Policy explains how we collect, use, and protect your data.

Security Focus: We collect data primarily for security purposes to protect your account and ensure the integrity of our financial services.

Data We Collect

We collect the following types of information to provide and secure our services:

Account Information

Email Address: For account creation and communication
Full Name: For account identification and personalization
Account Settings: Your preferences and configuration choices

Financial Information

Transaction Details: Amounts, dates, and descriptions of financial activities
Spending Categories: How you classify and organize your expenses
Budget Information: Your budget limits and spending targets
Financial Goals: Your savings and investment objectives

Technical Information

IP Address: For security monitoring and fraud prevention
Device Information: Browser type, operating system, and device identifiers
Usage Data: How you interact with our application and features

How We Use Your Data

We use your data for the following purposes:

Security: To secure your account and prevent fraud
Service Delivery: To provide and improve our financial services
Communication: To send important account notifications and updates
Improvement: To enhance user experience and app functionality
Compliance: To meet legal and regulatory requirements

Data Security

We implement comprehensive security measures to protect your data:

Encryption: End-to-end encryption for all financial data
Access Controls: Strict authentication and authorization protocols
Monitoring: 24/7 security monitoring and threat detection
Backup: Regular data backups and disaster recovery procedures

Data Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties.

Your data is never sold to advertisers or third-party marketers.

Service Providers

We may share data with trusted service providers who assist in operating our platform, always under strict confidentiality agreements. These providers help with:

Cloud hosting and infrastructure
Payment processing and security
Customer support and analytics
Legal and compliance services

Legal Requirements

We may disclose data when required by law or to protect our rights and the safety of our users. This includes:

Court orders and legal proceedings
Government investigations
Protection against fraud or security threats

Your Rights

You have the following rights regarding your data:

Access: Review and download your personal data
Correction: Update inaccurate or incomplete information
Deletion: Request removal of your data (with security retention exceptions)
Portability: Export your data in a standard format
Restriction: Limit how we process your data

Data Retention

We retain your data only as long as necessary to provide our services and comply with legal obligations.

Security Retention: Some data may be retained longer for security and fraud prevention purposes, as required by financial regulations and security best practices.

Cookies and Tracking

We use essential cookies to maintain your session and ensure app functionality.

Essential Only: We do not use tracking cookies or third-party analytics that compromise your privacy. Our cookies are limited to:

Session management and authentication
Basic app functionality
Security and fraud prevention

Children's Privacy

Our services are not intended for children under 13. We do not knowingly collect personal information from children under 13. If you believe we have collected such information, please contact us immediately.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect:

New features and services
Legal and regulatory changes
Improved security measures
User feedback and requests

We will notify you of any material changes via email or through our app.

International Data Transfers

Your data may be processed in countries other than your own. We ensure all data transfers comply with applicable data protection laws and maintain the same level of security regardless of location.

Data Breach Response

In the unlikely event of a data breach, we will:

Immediately investigate and contain the incident
Notify affected users within 72 hours
Report to relevant authorities as required
Implement additional security measures
Provide support and guidance to affected users

Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us:

Email: privacy@ditolab.com
Response Time: We aim to respond to all privacy inquiries within 24 hours

For urgent security concerns, please include "SECURITY URGENT" in your subject line.

By using Monétiq, you acknowledge that you have read and understood this Privacy Policy and consent to our data practices as described herein.