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MONIVO (“we,” “us,” or “our”) is committed to protecting your personal information. This Privacy Policy explains what data we collect, how we use it, and your rights with respect to it. By using MONIVO you agree to the practices described here.

Account information. When you create an account we collect your first name, last name, and email address. We also ask for an optional monthly income figure to power your safe-to-spend calculation. No payment card or bank credentials are ever stored on our servers.

Financial data you enter. MONIVO is a manual-entry budgeting tool. Any income, expense, or budget figures you type into the app are stored locally in your browser and, where you choose to sync, in our encrypted cloud database. We do not connect to your bank or access third-party financial accounts.

Usage data. We collect anonymised information about how you interact with the app, including pages visited, features used, and session duration. This data is used only for product improvement and is never sold.

Device and technical data. We automatically receive your browser type, operating system, IP address (truncated), and time zone when you access MONIVO. This helps us diagnose issues and maintain security.

• Provide, personalise, and improve the MONIVO service
• Calculate and display your safe-to-spend amount
• Send transactional emails (account confirmation, password reset, trial status)
• Send product updates and tips, where you have opted in
• Detect and prevent fraud or abuse
• Comply with legal obligations

We do not sell, rent, or share your personal data with third-party advertisers.

Your data is stored on servers located in the United States and, where applicable, the European Union. We use industry-standard encryption (TLS in transit, AES-256 at rest) to protect your information. Access to personal data is restricted to authorised personnel on a need-to-know basis.

No method of transmission over the internet is 100% secure. While we take every reasonable precaution, we cannot guarantee absolute security.

MONIVO uses browser local storage to store your budget data and session state on your device. We also use a small number of cookies strictly necessary for authentication and security.

We do not use advertising cookies or cross-site tracking. You may clear local storage at any time through your browser settings, but doing so will erase any locally stored budget data.

We use a small number of trusted third-party services to operate MONIVO, including email delivery, analytics, and cloud hosting. These providers are contractually prohibited from using your data for their own purposes and are required to comply with applicable data-protection laws. We do not share your financial data with any third party.

Depending on your location, you may have the right to:

• Access the personal data we hold about you
• Correct inaccurate or incomplete information
• Delete your account and associated data
• Export your data in a portable format
• Object to or restrict certain processing activities
• Withdraw consent at any time where processing is based on consent

To exercise any of these rights, email us at hello@monivo.ai. We will respond within 30 days.

We retain your account and financial data for as long as your account is active or as needed to provide the service. If you delete your account, we will permanently delete your personal data within 30 days, except where required for legal or compliance purposes.

MONIVO is not directed at children under the age of 16. We do not knowingly collect personal information from children. If we become aware that a child has provided us with personal information, we will delete it promptly.

We may update this Privacy Policy from time to time. When we make material changes, we will notify you by email and update the “Last updated” date at the top of this page. Continued use of MONIVO after changes take effect constitutes acceptance of the revised policy.

If you have questions about this Privacy Policy or your personal data, contact us at hello@monivo.ai.

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Please read these Terms of Service (“Terms”) carefully before using MONIVO. By creating an account or using any part of the service, you agree to be bound by these Terms. If you do not agree, you may not use MONIVO.

MONIVO is a personal budgeting tool that helps you track income, expenses, and bills in order to calculate a daily safe-to-spend amount. MONIVO is a manual-entry tool. It does not connect to your bank, payment cards, or any third-party financial account.

MONIVO is provided for personal, non-commercial use only. You may not use the service for any unlawful purpose or in any way that could damage, disable, or impair the service.

You must be at least 16 years old to create an account. You are responsible for maintaining the confidentiality of your password and for all activity that occurs under your account. Notify us immediately at hello@monivo.ai if you suspect unauthorised access.

You may not create more than one free-trial account. Free trials are limited to one per person and one per email address. Circumventing this limitation is a violation of these Terms and may result in permanent suspension.

Free trial. New accounts receive a 7-day free trial with full access to MONIVO. No credit card is required to start a trial. At the end of the trial period, access is restricted until a paid plan is selected.

Paid plans. Paid subscriptions are billed monthly or annually in advance. All prices are listed in US dollars and are subject to applicable taxes. You authorise us to charge your payment method on a recurring basis until you cancel.

Cancellation. You may cancel your subscription at any time from your account settings. Cancellation takes effect at the end of the current billing period. We do not provide refunds for partial periods except where required by law.

Price changes. We reserve the right to change subscription prices with 30 days’ notice. If you do not cancel before the new price takes effect, you agree to be charged at the new rate.

You agree not to:

• Reverse-engineer, decompile, or attempt to extract the source code of MONIVO
• Use automated tools (bots, scrapers, or crawlers) to access the service
• Attempt to gain unauthorised access to any part of the service or its infrastructure
• Upload or transmit malicious code, viruses, or any harmful content
• Use the service to provide services to third parties without our written consent
• Violate any applicable law or regulation

MONIVO and all associated content, features, and functionality are owned by Monivoai LLC and are protected by copyright, trademark, and other intellectual-property laws. You may not copy, reproduce, modify, distribute, or create derivative works from any part of the service without our prior written consent.

You retain ownership of all financial data you enter into MONIVO. By using the service, you grant us a limited licence to store and process your data for the sole purpose of providing the service to you. We do not claim any ownership rights in your data, and we will not use it for advertising or sell it to third parties. See our Privacy Policy for full details.

MONIVO is provided “as is” and “as available” without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

MONIVO is not a financial adviser. The safe-to-spend figure and all other outputs are estimates based solely on the information you enter. Nothing in MONIVO constitutes financial, investment, tax, or legal advice. Always consult a qualified professional before making significant financial decisions.

To the fullest extent permitted by law, Monivoai LLC and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including lost profits, lost data, or loss of goodwill, arising out of or in connection with your use of the service. Our total liability for any claim arising from these Terms or your use of MONIVO shall not exceed the amount you paid us in the 12 months preceding the claim.

We reserve the right to suspend or terminate your account at any time, without notice, if we reasonably believe you have violated these Terms, engaged in fraudulent activity, or posed a risk to the security or integrity of the service.

You may delete your account at any time from your account settings. Upon termination, your right to access the service ceases immediately, and we will delete your data in accordance with our Privacy Policy.

These Terms are governed by applicable law. Any dispute arising from these Terms shall be resolved by binding arbitration, except that either party may seek injunctive relief in a court of competent jurisdiction for intellectual-property infringement or other matters where injunctive relief is appropriate.

We may update these Terms at any time. When we make material changes, we will notify you by email and update the “Last updated” date above. Your continued use of MONIVO after changes take effect constitutes your acceptance of the revised Terms.

Questions about these Terms? Contact us at hello@monivo.ai.

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