Privacy Policy

Last updated: 14 November 2026

In short: Monibo has no user accounts and no servers of its own: no ads, no analytics, no tracking. Your transactions, accounts and categories are stored on your devices and, if sync is on, in your own iCloud. Data only leaves them when you choose to: iCloud sync, backups, or the optional AI with your own key.

Who is responsible

Monibo is developed by Pedro Serra Comas (Spain), who is the controller for any data mentioned in this policy. Contact: hola@monibo.app.

Where your data lives

Everything you record in Monibo (transactions, accounts, categories, profiles, tags, notes and receipt photos) is stored on your iPhone, and shared with your Apple Watch and widgets so they can show it.

iCloud sync. iCloud sync is on by default so your data reaches your other devices. It is copied to the private database of your iCloud account, which only you can access; neither the developer nor anyone else can see it. Apple handles it under its own privacy policy. You can turn it off in Settings › Sync.

Backups. If you turn on automatic backups (Settings › Backup), Monibo saves a full copy once a day in the folder you choose, for example in iCloud Drive or Google Drive. That service stores it under its own terms.

Voice, camera and photos

Monibo asks for access to the microphone, speech recognition, camera or photos only when you use a feature that needs it. When your language supports it, dictation is transcribed on the device; otherwise Apple’s speech recognition may process the audio on Apple’s servers, under Apple’s privacy policy. Typed sentences are always understood on the device. Receipt photos are read on the device to extract the amount and are not uploaded anywhere, except in the AI case described below.

Automatic capture

If you set up the optional Shortcuts automations (Apple Pay payments, bank messages or emails), iOS passes the amount, merchant and card, or the message text, to Monibo on your device. Monibo reads them locally to create the transaction and does not send them anywhere.

AI with your own key (optional)

Monibo Pro can use AI to understand tricky sentences, read receipts or answer questions about your spending. This only happens if you add your own API key from Anthropic, OpenAI or Google, and after you give explicit consent in the app.

When it does, Monibo sends only what is needed (the sentence you said, the receipt image, or your question together with the minimum data needed to answer it) directly from your device to the provider you chose, with no one in between. That provider processes it under its own terms and privacy policy. Your key is stored in the device’s Keychain. Without a key, nothing is sent.

Purchases

Monibo Pro subscriptions and the lifetime purchase are handled by Apple through the App Store. Monibo only receives confirmation that a purchase is valid; it never sees your name, email or payment details.

What Monibo does not do

• No user accounts or sign-in.
• No advertising, analytics, crash-reporting or tracking SDKs.
• No selling or sharing of data with third parties.
• No tracking across other companies’ apps or websites.

This website

monibo.app does not use cookies, analytics or tracking. Like any website, the hosting provider may keep standard technical logs (such as IP address and browser) for a short time for security and to keep the site running. Fonts are loaded from Google Fonts.

Export and deletion

You can export your data at any time from Settings › Export data (a full backup or CSV). To delete everything, delete the app and, if sync was on, delete Monibo’s data from iCloud in your iPhone’s Settings › your name › iCloud › Manage Storage.

Your rights

Because the developer does not hold your data, you control it directly from your device. If you are in the European Union you have the rights of access, rectification, erasure, restriction, portability and objection under the GDPR, and you can write to the contact above with any question. You can also lodge a complaint with the Spanish Data Protection Agency (aepd.es) or your local authority.

Children

Monibo is not directed at children under 13 and does not knowingly collect data from them.

Changes

If this policy changes, the new version will be published on this page with an updated date. Significant changes will also be mentioned in the app’s release notes.