Privacy Policy

Last updated: 25 September 2026

1. What we collect

• Account details: your name, email address and password (your password is stored securely and we can't read it).
• Your records: the income and expense entries you add: title, amount, category and date.
• Profile photo: only if you choose to upload one.
• Plan: which plan you're on (Starter, Plus or Premium).
• Basic activity: when you joined and when you last added an entry.
• Visit counts: which pages are opened, whether on a phone or computer, and which website or app linked to MoniUsed. We use a random ID stored on your device, not cookies, and we don't collect IP addresses or link visits to your name.
• Agreement record: the date you accepted our Terms and this Policy.
• Suggestions: messages you send us from the app, with your name and email so we can reply.

2. How we use it

• To run your account and show you your totals, insights and notifications.
• To keep MoniUsed secure and fix problems.
• To understand how many people use MoniUsed, using app-wide numbers only.
• To contact you about your account or important changes.

We use your data because you asked us to provide the service (your account), and for our legitimate interest in keeping MoniUsed secure and working.

3. Who can see your data

• Other users can't. Database rules limit every entry to the account that created it.
• Our admins can see a list of users (name, email, plan, join date, number of entries and last active date) and app-wide totals. Our admin tools do not show your amounts or what you spent on.
• Service providers: we use trusted providers to host the app, store data and send emails. They only process data to run MoniUsed for us, and some of their servers may be outside Nigeria. We choose providers with strong security protections.
• We do not sell your data or share it with advertisers.
• Adverts: free (Starter) accounts may see sponsored adverts on the Home screen. Everyone sees the same adverts. We never use your entries or spending to choose them, and we only count total views and clicks, not who viewed or clicked.
• We may share information if the law requires it.

4. Stored on your device

MoniUsed saves a few small items on your phone or computer: your login session (so you stay logged in), which notifications you've already seen, and whether you've closed the "Get the app" guide, and your app lock PIN if you set one. Your PIN is stored in a scrambled (hashed) form on your device only and is never sent to us. We don't use advertising cookies.

5. How long we keep it

We keep your data while your account is open. When you delete entries in the app, they are removed. When you use Delete account in Profile (or ask us to), we delete your account, entries, profile photo and suggestions. We may keep limited account details for a short period afterwards for security, fraud prevention and legal reasons, and then delete them.

6. Your rights

Under the Nigeria Data Protection Act 2023, you can ask to:

• see the personal data we hold about you;
• correct it (you can also edit your name and entries in the app);
• get a copy of it (you can also use Download my entries in Profile);
• have it deleted (you can also use Delete account in Profile);
• object to or limit how we use it.

You can also complain to the Nigeria Data Protection Commission (NDPC).

7. Security

We use secure connections (HTTPS), encrypted password storage and database rules that separate each user's records. No online service is perfectly secure, so please use a strong password that you don't use anywhere else.

8. Children

MoniUsed is meant for people aged 18 and over. Younger users should only use it with a parent's or guardian's permission.

9. Changes to this Policy

If we make important changes, we'll tell you in the app. The date at the top shows the latest version.

10. Contact

For privacy questions or requests, email us at support@moniused.com.