Last Updated: 18 July 2025

At MUNY, we respect and protect the privacy of our users. This Privacy Policy explains how we collect, use, store, and share your personal data when you use our app, MUNY: Smart Finance App (“the App”). By using the App, you agree to the collection and use of information in accordance with this policy.

1.  Information We Collect

We collect several types of information to provide and improve our services:

• Personal Data: When you register or use the App, we may collect personal data such as your name, email address, phone number, and other contact information.
• Financial Data: To help you manage your finances, we collect and process data such as your income, expenses, financial goals, transactions, and budgeting preferences.
• Usage Data: We collect information on how you use the App, including device information, log data, app interactions, and location data (if enabled).
• Cookies and Tracking Technologies: We use cookies and similar tracking technologies to monitor activity on our App and collect certain For example, cookies help us analyze app usage, improve performance, and personalize user experiences. You can choose to accept or decline cookies through your device settings.

2.  How We Use Your Information

We use the information we collect for various purposes, including:

• Providing and maintaining the App: To deliver personalized budgeting tools, financial insights, and smart recommendations.
• Improving user experience: To analyze user behavior and enhance features based on user feedback and app usage.
• Customer Support: To respond to your inquiries and resolve any issues you may
• AI Assistance: To provide personalized financial advice and smart recommendations based on your data.
• Legal Compliance: To comply with applicable laws and regulations, including data retention requirements.

3.  Sharing Your Information

We do not sell, trade, or otherwise share your personal data with third parties, except for the following:

• Service Providers: We may share your data with trusted service providers who help us operate the App, perform analysis, or provide customer These third parties are obligated not to disclose or use your data for any other purpose.
• Legal Requirements: We may disclose your information if required to do so by law or in response to valid legal requests (e.g., subpoenas, court orders).

4.  Data Retention

We retain your personal data only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. This includes:

• Retention for Legal Purposes: We may retain certain information for legal, regulatory, or accounting purposes.
• Inactive Accounts: If an account has been inactive for an extended period, we may choose to delete or anonymize your personal data after 12 months.

5.  Data Security

We take the security of your data seriously and employ reasonable security measures to protect it. These measures may include encryption, firewalls, and access controls. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee its absolute security. You should take steps to protect your data by using strong passwords and keeping your login credentials confidential.

6.  Your Data Rights

 You have the following rights regarding your personal data:

• Access and Correction: You have the right to access and update your personal You can request a copy of your data and request any corrections or amendments if your data is inaccurate or incomplete.
• Deletion: You may request that we delete your account and personal data, subject to any legal or operational This can be done by contacting our support team or using the Account Deletion feature in the app. [See our Account Deletion Policy above.]
• Right to Portability: You can request a copy of your data in a structured, commonly used format so you can transfer it to another service.
• Opt-out of Communications: You can opt out of receiving promotional emails or notifications by following the instructions provided in those communications or through the app settings.
• Withdrawal of Consent: If we rely on your consent to process personal data, you can withdraw your consent at any time by contacting us or adjusting settings within the

7.  Children’s Privacy

The App is not intended for use by individuals under the age of 13. We do not knowingly collect personal data from children. If we become aware that we have inadvertently collected data from a child under 13, we will take steps to delete that data.

8.  International Data Transfers

If you are accessing the App from outside the United States, please note that your information may be transferred to, stored, and processed in the United States, where our servers are located. In compliance with GDPR and similar regulations, we implement Standard Contractual Clauses (SCCs) to protect your data during transfer.

• If you are in the European Union (EU) or European Economic Area (EEA), your data may be transferred outside these regions. We ensure that appropriate safeguards are in place to protect your data, including SCCs or other mechanisms recognized by relevant data protection laws.

9.  Compliance with Privacy Laws

• General Data Protection Regulation (GDPR): If you are located in the EU, you have additional rights under the GDPR, including the right to object to data processing, the right to restrict processing, and the right to file a complaint with a supervisory
• California Consumer Privacy Act (CCPA): If you are a California resident, you have the right to request information about the personal data we have collected, to request the deletion of your data, and to opt out of the sale of your personal information (though we do not sell your data). Please refer to our California Privacy Rights section if

10.  Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will post the new policy on this page with the updated effective date. We may also notify users of significant changes by email or within the app. Please review this policy periodically for any changes.

11.  Contact Us

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

Email: support@munyapp.com