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Privacy Policy

Effective Date: May 21, 2025

Introduction

This Privacy Policy explains how monies ("we," "our," or "us") collects, uses, stores, and protects your information when you use our services, including our Google Sheets add-on, Monies Singapore ("the Add-on"), and our website at monies.sg ("the Website"). At monies, we are committed to protecting your privacy and ensuring transparency in our data practices.

This policy applies to all our services designed for users with Singapore credit cards and bank accounts, including the Monies Singapore add-on and monies.sg website. By using our services, you consent to the data practices described in this policy.

Key Terms

  • Add-on: Refers to Monies Singapore, our Google Sheets add-on.
  • Website: Refers to monies.sg website.
  • User: Any individual who uses our services, including the Add-on and Website.
  • Google Sheets: The Google application within which our Add-on operates.
  • Statement: Financial documents such as bank or credit card statements uploaded by users.
  • Transaction Data: Information extracted from user statements, including transaction details.
  • Authentication: The process of verifying a user's identity.

Information We Collect

Information You Provide Directly

When you use our services, we collect:

  • Google Account Information: Basic profile information through Google authentication.
  • Financial Statements: Bank and credit card statements you upload for processing.
  • User Preferences: Settings and rules you create for transaction categorization.
  • Subscription Information: Data related to your subscription status.
  • Payment Information: When you subscribe, limited payment information may be collected through our payment processor.
  • Website Usage Information: Information provided when using the monies.sg website, including user profile data.

Information Collected Indirectly

Our services may automatically collect:

  • Usage Data: How you interact with the Add-on and Website, including features used.
  • Device Information: Basic information about the browser and device you use to access our services.
  • Log Data: Error reports and performance data to improve our services.

How We Use Your Information

We use your information to:

  1. Provide Core Functionality: Process and extract transaction data from your uploaded statements, organize financial data in your Google Sheet, and apply categorization rules.
  2. Authentication: Verify your identity to secure access to your data.
  3. Service Improvement: Analyze usage patterns to enhance our services' performance and features.
  4. Technical Support: Address user issues and provide assistance.
  5. Subscription Management: Process and manage your subscription to our services, including processing payments through our payment processor.
  6. Website Functionality: Provide access to your user profile and subscription management features on monies.sg.

Data Storage and Security

Storage Practices

  • Transaction Data: Your financial transaction data remains exclusively in your Google Sheet and is not stored on our servers.
  • Temporary Storage: Uploaded statements are encrypted and stored temporarily on our secure servers only for the duration needed to extract transaction data.
  • Authentication Data: Authentication information is securely stored within our systems.

Security Measures

We implement robust security measures, including:

  • Encryption: All data transmitted between our services and our servers is encrypted using industry-standard protocols.
  • Automatic Deletion: Statement files are deleted immediately after transaction data extraction is completed.
  • Access Controls: Strict controls limit access to our systems and any temporarily stored data.

Data Sharing

Third-Party Sharing Policy

monies does not share your transaction data or personal information with any third parties. We do not sell, rent, or trade your information under any circumstances.

Service Providers

Our services communicate exclusively with our backend servers for processing your data. No external services beyond our own servers and our payment processor are used in delivering our services' functionality.

Payment Processing

We use Stripe as our payment processor to handle subscriptions and payments. When you subscribe to our services, you may provide payment information directly to Stripe. This information is subject to Stripe's privacy policy (available at https://stripe.com/privacy). We may receive limited information from Stripe related to your subscription status.

Google API Services

monies uses Google API Services to:

  1. Authenticate users via Google.
  2. Access and modify user's Google Sheets with explicit permission.
  3. Store user preferences within the Google Sheets environment.

Our use of information received from Google APIs adheres to the Google API Services User Data Policy, including the Limited Use requirements.

User Rights

You have the right to:

  1. Access: View what personal data we have about you.
  2. Correction: Request updates to inaccurate information.
  3. Deletion: Request removal of your data from our systems.
  4. Data Portability: Obtain a copy of your data in a structured format.
  5. Subscription Cancellation: Cancel your subscription at any time.

Data Retention and Deletion

  • Transaction Data: Exists only in your Google Sheet.
  • Uploaded Statements: Deleted immediately after processing.
  • Account Information: Retained only while you maintain an active subscription.
  • Account Termination: Upon termination of your subscription, we delete all user data except where required by law to retain certain information.

To request deletion of your data, please contact us using the information provided below.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify users of any material changes through an email to the address associated with your account.

The "Effective Date" at the top of this Privacy Policy indicates when it was last revised.

Singapore-Specific Provisions

This Privacy Policy complies with the Singapore Personal Data Protection Act (PDPA). As a user based in Singapore, you have specific rights under the PDPA regarding the collection, use, and disclosure of your personal data.

Contact Information

If you have questions or concerns about this Privacy Policy or our data practices, please contact us at hello@monies.sg

Consent

By using our services, including Monies Singapore add-on and the monies.sg website, you consent to the collection and use of information as described in this Privacy Policy.