Moneon — Privacy Policy
Last Updated: November 27, 2023
Before using Moneon you are required to acquaint yourself with the Terms of Use (“ToS”) and this Privacy Policy (“Policy”). The Policy forms an integral part of the ToS and all definitions and names shall have the respective meaning defined therein. By downloading, installing, using or otherwise accessing Moneon, you are expressing your acceptance and willingness to be bound by the ToS, including the Policy. You may not use Moneon if you don't accept the ToS.
If you want to access features of Moneon application, you have to sign up and your Personal data is going to be processed. In order to be able to use Moneon, you are required to confirm your acceptance of the ToS, including this Policy, by choosing “I agree to the Terms of Service” when you are creating account (“Sign Up” process) in the application.
Personal data processing
You agree that your Personal Data, including your first name, last name, e-mail address, IP address, personal financial information (incomes and expenses) and location (collectively referred as “Personal Data”) may be processed by CleverPumpkin, with its registered office at Staroderevenskaya street 18-17, Saint-Petersburg, Russian Federation, 197372 (“Administrator“). The Administrator is in the position of a personal data controller.
You agree that you provide all your Personal Data voluntarily. However, provision of Personal Data is required for signing up and proper functioning of some of the Moneon features and related services.
You agree to provide accurate, truthful and current Personal Data and keep it up to date.
Purpose of the processing
The purpose of processing of your Personal Data under this Policy lies mainly in setting up and keeping your Moneon account and ensuring features like e.g. server synchronization or sharing your content with other users based on your decision. However, Administrator may also process your Personal Data to communicate with you, extract anonymous data, provide you with personalized financial advice or commercial offers, for marketing and advertising purposes or in order to improve your experience and further develop Moneon.
Term of the processing
Personal Data is being processed under this Policy while you use the Moneon account and until your consent to the processing is withdrawn and the account deleted.
Transfers and disclosures
Your Personal Data may always be processed for Administrator by third parties, however only for the purposes specified in this Policy, on a basis of written agreement and under statutory and legal conditions.
Administrator does not transfer or disclose your Personal Data to third parties other than appointed data processors, unless you have agreed otherwise under this Policy or except as required by the applicable laws.
Sharing your Personal Data with other users of Moneon is completely under your control.
Information, correction and deletion
You hereby acknowledge that you are entitled to withdraw your consent to the processing of your Personal Data at any time, you have the right to access, correct or discard your Personal Data or remove them if misleading. Furthermore, you are entitled to contact the Provider in writing with any complaint concerning the processing of your Personal Data and, in case of dissatisfaction with the answer, consult the Office for Personal Data Protection of the Russian Federation. Your consent to the processing of your Personal Data may only be withdrawn by sending written notice to the address of the Administrator or to the e-mail of the Administrator. If your consent to Personal Data processing is withdrawn, the Administrator will delete your Moneon account with the consequences set out in the ToS.
Communication and Offers
You hereby agree that the Administrator may use the Personal Data provided by you to send commercial offers and communication with respect to Moneon, related services or services of business partners associated with the Administrator. You may withdraw this consent at any time by switch off the “Promo offers” section in the Moneon application (Application → Settings → Profile Settings → E-mail notifications).
Technical and Anonymous Data
You hereby agree that Administrator may collect and use technical data, including but not limited to information about your mobile device and system, Internet connection or your use of Moneon application. The purpose of the collection of technical data is to ensure quality, increase your comfort and further analyse and develop Moneon and related services. You also agree that Administrator may anonymize your Personal Data, where possible, and use the anonymous data at its sole discretion for any purpose, particularly for creating anonymous analyses and statistics. Both, technical and anonymous data is stored separately from the Personal Data and cannot be linked back to you in any way in order to identify you.
Data Breach Notification
If Administrator learns of a security systems breach, then we may attempt to notify you electronically so that you can take appropriate protective steps. Administrator may post a notice on moneon.co if a security breach occurs. Depending on where you live, you may have a legal right to receive notice of a security breach in writing. To receive a free written notice of a security breach (or to withdraw your consent from receiving electronic notice) you should notify us at contact@moneon.co
The use of your data
Moneon website
Administrator does not store any financial information on our website and Administrator does not use customer profiling. Administrator uses Google Analytics to gather anonymized data which pages within website are the most popular, how accessible our website is, etc. Administrator does not sell or share this information with other parties. The data is anonymized and Administrator is unable to identify a particular customer based on it.
Moneon application
First and/or Last name Administrator gets this data only when user create his first shared wallet. User can choose any name, it may be not user’s real name. This information is used to tag newly added transactions in the shared wallet.
E-mail address Administrator gets e-mail address, when user performs sign up process in Moneon. E-mail address is the main identification of user in the Moneon services.
IP-address Administrator gets IP-address when user performs any network request from the application Moneon with actions, which are necessary for correct work of web-server and data store.
Personal financial information Administrator gets this information when user records any financial transactions. It contains: amount, currency, category, note, tag and so on. This information is used to provide financial analytics and reports only when user requests it with special actions in the application. Recording information about incomes and expenses is a core feature of the application Moneon.
Location Some of the Moneon features may access and collect your current location data, including GPS coordinates or other similar information regarding the location of your device. Some features of Moneon may not function properly if use of location data is blocked or disabled.
Payment information When you make purchases through Moneon, your credit card information and other data are not collected and stored by Administrator.
3-rd Parties
Administrator choses partners with confidence, that they respect customer privacy policy.
Adapty Administrator uses Adapty as a system of purchase and license tracking service. Your e-mail address are used to identify user-specific information. Please, refer to Adapty Privacy Policy for more information how your data is handled by Adapty.
Rollbar Administrator uses Rollbar as a system of error tracking and crash reporting service for web server. Your e-mail address and IP-address are used to identify user-specific crashes and errors. Please, refer to Rollbar Privacy Policy for more information how your data is handled by Rollbar.
Foursquare Application Moneon uses Foursquare API to find venues around user’s location, while user can choose one of them to add as information to the recorded transaction. User’s current location is not tracked constantly. In the same time application does not forward any personal data to Foursquare, except GPS coordinates. User can disable location permission in the device settings. Please, refer to Foursquare Privacy Policy for more information.
SparkPost Administrator uses SparkPost as a system to deliver newsletters to customers. Administrator will use user e-mail address only for purpose of sending to user Moneon-related news and announcements, that user has signed up for. User can opt-out and request to be deleted from the newsletter e-mail database at any time. Please, refer to SparkPost Privacy Policy for more information.
OneSignal Administrator uses OneSignal as a service for Push-notifications delivery. OneSignal stores user personal data for creating segments and group for personal Push-notifications due to various triggers and conditions. User can disable Push-notifications in the application Settings or in the Device Settings. Please, refer to OneSignal Privacy Policy for more information.
Amplitude Amplitude is a analytics system, which Administrator and application Moneon uses for product analytics and users behavior. Amplitude stores user personal data like IP-address and location, mainly to determine belonging to the specific country. Please, refer to Amplitude Privacy Policy for more information.
Loggly Administrator uses Loggly as a service for log monitoring and log analysis. Service stores your personal data for only 7 days after the action took place, after that all logs will be deleted. Please, refer to Loggly Privacy Policy for more information.
DigitalOcean DigitalOcean is a main cloud computing platform and storage of the application Moneon. All of user personal data is stored at DigitalOcean to perform account synchronizations and functionality of sharing user data with other users. User can request for deleting his account with personal data due to the Terms of Use conditions. Please, refer to DigitalOcean Privacy Policy for more information.
AppsFlyer AppsFlyer is a mobile attribution and marketing analytics platform, that Administrator use to track sources of applications install source. AppsFlyer collects user IP-address to determine best attribution process. Please, refer to AppsFlyer Data Privacy page for more information.
Zendesk When user sends a support request to our support e-mail or from within the application, user entire e-mail message and user e-mail address is parsed by Zendesk help-desk software in such a way that allows us to reply to your e-mail. Please, refer to Zendesk Privacy Policy for more information.
Firebase Firebase is a system of various modules for developers. Administrator uses basic module for tracking basic events. Firebase may use user IP-address to determine country of user. Please, refer to Google Privacy Policy.
Contact information
CleverPumpkin
Address: Staroderevenskaya street 18-17, Saint-Petersburg, Russian Federation, 197372