Privacy Policy

Last Updated: September 26, 2026

This Privacy Policy describes how Monvo AI ("Company", "We", "Us", or "Our") collects, uses, processes, shares, and protects Your information when You use the Monvo AI mobile application, website, and related services (collectively, the “Service”).

By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy.

1. Interpretation and Definitions

1.1 Interpretation: Capitalized terms have the meanings assigned to them in this Policy.

1.2 Definitions:

  • Account: The unique profile created for You to access the Service.
  • Application: The mobile application titled “Monvo AI – Expense Tracker.”
  • Device: Any device used to access the Service (e.g., computer, smartphone, tablet).
  • Financial Data: Information You provide relating to Your transactions, budgets, income, expenses, and financial goals.
  • Usage Data: Data collected automatically through use of the Service.
  • User Content: Receipt photos, voice recordings, text descriptions of expenses.

2. Types of Data We Collect

2.1 Personal Data You Provide

Email address, Name/Nickname, Profile preferences (currency, language).

2.2 Financial & Transaction Data

Transaction details (Amount, Merchant, Date, Category), Budgets, Recurring subscriptions.

Important: We do not collect or store direct payment credentials (full card numbers or CVV).

2.3 User Content (AI Inputs)

Receipt Images (OCR analysis), Voice Data (audio recordings for logging), Text Descriptions.

2.4 Imported Files

When You import a spreadsheet exported from another bookkeeping app (.xlsx, .xls or .csv), We keep a copy of that original file. It contains the transactions You are importing, and may contain rows or columns We do not import.

We keep it for one reason: to reproduce and fix problems with the import. Import files come from dozens of different apps in dozens of layouts, and the only reliable way to verify that a change to our importer still reads Your file correctly is to run it against the real file again.

This copy is private to Your account. It is not shared with AI providers, and it is not used to train any model.

3. How We Use Your Data

3.1 To Provide the Service: AI Processing (voice/receipts to records), Categorization, Analytics (charts), and Data Sync.

3.2 To Improve AI Accuracy: We may use anonymized User Content to train OCR and NLP models. We do not use Your personally identifiable financial data to train public models.

4. How We Share Personal Data

We do not sell your Personal Data. We only share data with:

  • AI Provider: Google (Gemini API), to process the receipts, screenshots, PDFs, voice notes and messages you send to our AI features, and the payment notifications you choose to record automatically. Data is sent only when you use these features.
  • Infrastructure: Vendors like AWS, Vercel, or PostHog.
  • Legal Compliance: To respond to valid requests by public authorities.

5. Data Retention

  • Financial Data: Retained while your Account is active.
  • Receipt Images: Retained for your Gallery; You can delete them anytime.
  • Voice Recordings: Typically processed immediately and not permanently stored after transcription.
  • Imported Files: Retained while your Account is active. Deleting Your Account deletes them. You can also ask Us to delete a specific imported file at any time using the contact details below.

6. Your Privacy Rights

Access & ExportRequest a copy or download as CSV.
Correction & DeletionFix records or permanently delete Account/Data in App Settings.

10. Contact Us

If You have questions about this Privacy Policy:

Email: marketing@btpgrowth.com

Developer Location: Malaysia