Monetra

This Privacy Policy describes how VAYLONEX LABS ("we", "us", or "our") handles information in connection with the Monetra Android application — an offline expense tracker, budget planner, and money manager.

We distinguish between two types of information: local data that you create and control entirely on your device, and anonymous diagnostic data automatically collected by third-party SDKs to keep the app stable and performant.

Every piece of financial information you enter into Monetra is stored exclusively on your Android device using the device's internal storage (Room database). This includes, but is not limited to:

• Financial transactions — all income entries, expense logs, and transfer records
• Budget plans & goals — custom category budgets and savings targets
• Multiple account books — wallet, bank account, and custom account configurations
• Category names & custom labels — your personalised spending and income categories
• Transaction notes & attachments — any personal descriptions or memos you add
• App preferences & settings — currency selection, theme, and display configurations

Monetra offers on-device security features to protect your financial data from unauthorised local access. These features are implemented with strict privacy controls and zero data exfiltration.

Monetra provides an optional local backup feature that exports your data to an encrypted file stored on your device or a location you choose. Here's exactly how it works:

• AES-256 Encryption: Backup files are encrypted using industry-standard AES-256 encryption before they are written to storage.
• User-Defined Password: The encryption key is derived solely from your chosen password. Only you possess this key — we never receive or store it.
• Zero Developer Access: VAYLONEX LABS does not have access to your backup files, your encryption password, or any decryption key.
• No Recovery Option: If you forget your backup password, we cannot recover your data. Please keep your password in a secure place.

Monetra integrates certain Google Firebase SDKs to maintain app quality and stability. These services operate on anonymous, non-financial diagnostic data only. Your personal financial records are never shared with any third-party service.

For details on how Google processes this anonymous data, see the Google Privacy Policy and Firebase Privacy & Security documentation.

To be fully transparent, the following categories of data are never collected, accessed, or transmitted by Monetra or VAYLONEX LABS:

• Your financial amounts, income figures, expense totals, or account balances
• Your transaction notes, merchant names, or personal descriptions
• Your category names, account book titles, or budget goal labels
• Your real name, email address, phone number, or any personally identifiable information
• Your precise GPS location — no location permission is requested by Monetra
• Your contacts, microphone, or camera — none of these permissions are used
• Your bank account numbers, card details, or any payment credentials

Monetra is a financial management tool intended for users aged 13 years and older. We do not knowingly collect any personal information from children under the age of 13.

Because Monetra does not collect personal identifying information from any user, the privacy risks to children are inherently minimal. All data remains on-device under the user's control. If you believe a child under 13 is using the app, parental supervision is advised. Uninstalling the app permanently removes all locally stored data from the device.

You retain complete and exclusive ownership of all financial data you create in Monetra. As the data never leaves your device without your explicit action, you have full control at all times.

• Right to Access: All your data is immediately accessible within the app at any time.
• Right to Export: Use the in-app backup feature to export your data in an encrypted file at any time.
• Right to Delete: Delete individual records within the app, or clear all data by uninstalling the application.
• Right to Portability: Your encrypted backup file can be restored to any Android device running Monetra.
• Right to Opt-Out of Analytics: Disable analytics via your device's Privacy Settings or by resetting the advertising ID in Android Settings → Privacy → Ads.

Deleting your data from Monetra is straightforward because everything is stored locally on your device:

• Uninstall the App: Uninstalling Monetra permanently removes all financial records, settings, and app data from your device.
• Clear App Data: Navigate to Android Settings → Apps → Monetra → Storage → Clear Data to wipe all local app data without uninstalling.
• In-App Deletion: Delete individual transactions, categories, or account books directly within the app at any time.
• External Backup Files: Any backup files saved to external locations (local storage or cloud) must be deleted separately by you from those locations.

We may update this Privacy Policy from time to time to reflect changes in the app's features, legal requirements, or third-party services. When we do:

• The "Last Updated" date at the top of this page will be revised to reflect the new effective date.
• For significant changes, we will notify users via an in-app message or notification where technically feasible.
• Continued use of Monetra after any policy update constitutes your acceptance of the revised policy.
• We encourage you to review this page periodically. The latest version is always accessible via the link in Monetra's Settings screen.