Introduction
Welcome to Monesya, a personal finance application developed by KAPTAZ SpA, available for iOS, iPadOS, and macOS on Apple Silicon devices. Our app offers powerful tools for financial management, allowing users to create and manage bank or cash accounts, schedule recurring payments, set budgets, create custom categories, establish their own currencies, and view detailed statistical charts of their financial status.
Monesya is available for free, with the option of auto-renewable subscriptions to access special features. Non-subscribing users may view ads provided by AdMob, our advertising provider. KAPTAZ SpA does not collect personal data from users; all data entered in the app is stored in the user's personal cloud via iCloud, ensuring the privacy and security of their information.
In this privacy policy, we explain how information is handled in Monesya, users' rights, and the measures we take to protect their privacy.
Data Collected
1. Data Collected by KAPTAZ SpA
KAPTAZ SpA does not collect any personal data from Monesya users. All data entered in the application is stored exclusively in the user's personal cloud via iCloud.
2. Data Collected by AdMob
AdMob, our advertising provider, may collect certain data to provide personalized ads and for statistical purposes. This data includes:
• Location data: Approximate information about the user's location based on IP address.
• App usage data: Information about how the app is interacted with, including frequency and duration of use.
• Advertising information: Data about ads displayed, viewed, and interacted with.
3. Consent for Tracking
AdMob collects data for personalized advertising only if the user grants permission to be tracked. If the user does not authorize tracking, ads shown will be generic and not personalized.
4. Data Stored in iCloud
All manually entered and automatically generated data by the app is stored in the user's personal cloud via iCloud. This data includes:
• Recurring payments: Details of recurring payments such as date, currency, amount, and category.
• Budgets: Information about created budgets, including currency, budgeted amount, associated accounts and categories, and the time period.
• Categories and category groups: Names, distinctive symbols, and colors of categories and groups created by the user.
• Currencies: Details of custom currencies created by the user and currencies generated automatically.
• Money transactions: Records of money transactions associated with created accounts and recurring payments.
• Trash: Deleted records that can be recovered or permanently deleted.
5. Data Synchronization
To synchronize data across multiple devices, Monesya uses iCloud. Data is backed up in each user's personal cloud and can only be accessed through their Apple account using the app. In iCloud settings, users have the option to delete all data stored in iCloud by the app.
Use of Data
1. Data Entered by Users in Monesya
KAPTAZ SpA does not collect or use users' personal data. All data entered in Monesya is stored exclusively in the user's personal cloud via iCloud. This includes:
• Recurring payments: Facilitating the creation, scheduling, and notification of recurring payments.
• Budgets: Assisting users in setting and managing budgets, including tracking expenses across different categories.
• Categories and category groups: Allowing customization of categories and groups for better financial organization.
• Money transactions: Recording and associating money transactions with accounts and recurring payments created by the user.
• Trash: Providing the option to recover or permanently delete deleted records.
• Statistical charts: Generating and displaying detailed statistical charts so users can review and evaluate their financial status.
• Data synchronization: Synchronizing data across multiple user devices via iCloud.
2. Data Collected by AdMob
AdMob, our advertising provider, collects certain data to display personalized ads and enhance advertising effectiveness. Data collected by AdMob is used for:
• Generic advertising: If the user does not consent to tracking, AdMob displays generic ads that are not based on the user's personal interests.
• Statistics and analysis: AdMob collects usage and performance data of ads to improve relevance and effectiveness of ads displayed in the app.
3. iCloud Data
Data stored in iCloud is used for:
• Synchronization across devices: Allowing data entered on one device to be available on other user devices using the same Apple account and having the app installed.
In summary, KAPTAZ SpA does not collect or use users' personal data. All information entered in Monesya is stored under Apple's security protocols and technologies, ensuring data privacy and security via iCloud. AdMob collects data solely for advertising purposes and with user consent for personalized ads.
Data Storage
1. Data Stored in iCloud
All data manually entered by users in Monesya and data generated by default by the app are stored exclusively in their personal cloud via iCloud. This includes information about bank or cash accounts, recurring payments, budgets, categories and category groups, currencies, money transactions, and deleted records. This data is accessible only through the user's Apple account.
2. Data Security
KAPTAZ SpA is committed to protecting the privacy and security of user data. We utilize security measures provided by Apple through iCloud to ensure that user data is protected against unauthorized access, loss, or alteration. Data is backed up in iCloud as long as space permits.
3. Data Synchronization
To ensure a seamless and continuous experience, Monesya uses iCloud to synchronize data across multiple user devices. This allows information entered on one device to be available on other devices using the same Apple account and having the app installed.
4. Data Deletion
Users can delete their stored data in iCloud through iCloud settings on their Apple devices. This includes the option to delete all data stored by Monesya in iCloud.
5. Data Retention
KAPTAZ SpA does not retain personal data of users on its own servers. All information is stored in iCloud and is under the control of the user. Data remains in iCloud until the user decides to delete it.
In summary, all data entered in Monesya is securely stored in iCloud, under the user's control, using security measures provided by Apple. KAPTAZ SpA does not retain or store users' personal data on its own servers, ensuring the privacy and security of information.
Service Providers
To deliver an optimal experience and ensure Monesya's functionality, we utilize trusted third-party services. These service providers assist us in operating and enhancing our application, but we do not directly collect or share personal data with them. Below are the main service providers we use:
1. AdMob
AdMob is our advertising provider used to display ads to users using the free version of Monesya. AdMob may collect certain data to provide personalized advertising, provided the user has consented to tracking. In the absence of this consent, AdMob displays generic ads. Data collected by AdMob includes device identifiers, approximate location data, app usage data, and advertising data. For more information on how AdMob handles data, please refer to AdMob's Privacy Policy.
2. iCloud
iCloud is Apple's cloud storage service that we use to store and synchronize user data in Monesya. All data entered in the app is stored in the user's personal cloud via iCloud, ensuring that information is secure and accessible only through the user's Apple account. iCloud also enables data synchronization across multiple user devices. For more details on data management in iCloud, please refer to Apple's Privacy Policy.
3. Security and Privacy
We carefully select our service providers to ensure they meet our standards of security and privacy. We ensure that these providers implement appropriate measures to protect user information and comply with applicable privacy laws and regulations.
In summary, Monesya uses third-party services such as AdMob and iCloud to provide and enhance app functionalities, ensure data security, and offer a smooth user experience. We are committed to partnering with service providers who respect and protect the privacy of our users' data.
Sharing of Data
In Monesya, the privacy and security of our users' data are top priorities. KAPTAZ SpA does not collect or share users' personal data with third parties, except under the circumstances detailed below.
1. Service Providers
We use trusted service providers to display advertisements and support data operations. These providers have limited access to necessary data to perform specific tasks, and they must protect the privacy and security of this information. Our main service providers include:
• iCloud: We use iCloud to store and synchronize user data in Monesya. Data stored in iCloud is accessible only through the user's Apple account. For more information, please refer to Apple's Privacy Policy.
2. Legal Requirements
We may disclose personal data if we believe in good faith that such action is necessary to:
• Protect and defend the rights or property of KAPTAZ SpA.
• Prevent or investigate potential irregularities related to the app.
• Protect the personal safety of app users or the public.
• Protect against legal liability.
3. Advertising
Users of the free version of Monesya may see advertisements provided by AdMob. If users consent to tracking, AdMob may use collected data to display personalized ads. If users do not grant this permission, AdMob will display generic ads.
4. Data Security
We ensure that our service providers implement adequate measures to protect user information and comply with applicable privacy laws and regulations. We do not share users' personal data with third parties for marketing or advertising purposes, except through AdMob as described above.
In summary, KAPTAZ SpA does not share users' personal data with third parties, except with our service providers and under specific circumstances required by law. We are committed to protecting the privacy and security of our users' information, working only with service providers who respect and uphold these values.
Advertising
In Monesya, we use advertising to offer our application for free to users. Advertising allows us to maintain and improve the application at no cost to those who choose not to subscribe to our paid plans. Below are the details on how we manage advertising in Monesya:
1. Advertising Provider
We use AdMob, an advertising service provided by Google, to display ads in the free version of Monesya. AdMob is responsible for delivering and personalizing the ads that users see in the app.
2. Data Collected by AdMob
AdMob may collect certain user data to deliver personalized ads and for statistical purposes. This data may include:
• Location data: Approximate location information based on IP address.
• App usage data: Information on how the app is interacted with, including frequency and duration of use.
• Advertising information: Data about ads displayed, viewed, and interacted with.
3. Consent for Personalized Advertising
Users can choose to grant or deny permission to be tracked. This decision affects the type of ads displayed:
• Generic advertising: If the user does not grant permission to be tracked, AdMob will display generic ads not based on personal interests.
4. Privacy Management
Users have control over their privacy and can manage their advertising preferences through their device settings. This includes the ability to disable personalized advertising in the device's privacy settings.
5. Links to Privacy Policies
For more details on how AdMob handles data and advertising, users can refer to AdMob's Privacy Policy.
In summary, Monesya uses AdMob to display ads to users of the free version. Users have the option to grant or deny permission to be tracked, determining whether they see personalized or generic ads. KAPTAZ SpA is committed to ensuring user privacy is respected and that data collected by AdMob is handled securely and in compliance with applicable laws.
Privacy of Children
At KAPTAZ SpA, safeguarding children's privacy is of utmost importance to us. We recognize the need to provide enhanced protections regarding children's personal data. Below are our practices and policies regarding children's privacy:
1. App Audience
Monesya is available to users aged 4 and above. Our app is designed to be used by a broad audience, including children under the supervision of their parents or guardians.
2. Collection of Children's Data
To comply with international regulations in various countries, Monesya asks users to provide their date of birth if it has not been provided previously or if it is their first time using the app. This allows us to appropriately configure AdMob to not collect data from children.
3. AdMob Configuration
• Users who do not provide their date of birth: If the user does not provide their date of birth, AdMob is configured to display only general content ads and does not request authorization for tracking.
• Subscribed users: AdMob does not initialize for subscribed users, regardless of their age.
4. Parental Control
We recommend that parents and guardians supervise the use of technology and mobile applications by their children to ensure that personal data is not shared without appropriate knowledge and consent.
5. Contact for Inquiries
If a parent or guardian discovers that their child has provided personal information on Monesya without their consent, or if they have any concerns about our privacy policy regarding children, we encourage them to contact us immediately at contact@kaptaz.com.
In summary, KAPTAZ SpA is committed to protecting children's privacy and complying with applicable laws and regulations. Monesya is available to users aged 4 and above, and adjusts AdMob data collection based on the user's age. We ensure that children's data is not collected or used inappropriately, ensuring the privacy and security of all our users.
Rights of Users
At KAPTAZ SpA, we respect and value the rights of our users regarding their personal data, even though we do not access or process this data directly. Below are the rights that Monesya users have and how they can exercise them:
1. Right of Access
Users have the right to access the data they have entered into Monesya. All information is stored and synchronized in their iCloud account, which they can directly access from their Apple devices.
2. Right to Rectification
If a user finds that their data is inaccurate or incomplete, they can correct and update this information. All changes will be automatically synchronized with iCloud.
3. Right to Erasure
Users can delete their data at any time through the iCloud settings on their Apple devices. They can delete all information within the Monesya app.
4. Right to Restriction of Processing
Although KAPTAZ SpA does not directly process user data, users can restrict advertising data collection by disabling tracking in their device's privacy settings, affecting AdMob's personalized advertising.
5. Right to Data Portability
Data stored in iCloud can be exported by users through tools provided by Apple, allowing them to transfer their data to other services if they wish.
6. Right to Object to Processing
Users can object to data collection by AdMob by disabling ad tracking in their device's privacy settings, resulting in the display of generic ads instead of personalized ones.
7. Right to Withdraw Consent
Users can withdraw their consent for advertising tracking at any time through their device's settings. This will not affect generic ads displayed but will prevent their personalization.
8. Exercising Rights
For any inquiries regarding the management of their data in iCloud, users should refer to the tools and resources provided by Apple. If they have specific questions about privacy in Monesya, they can contact us at contact@kaptaz.com.
9. Complaints
If a user believes that their rights regarding the privacy of their data in Monesya have been violated, they have the right to lodge a complaint with the competent data protection authority.
In summary, although KAPTAZ SpA does not access or process users' personal data, we are committed to ensuring that our users are aware of and able to exercise their rights regarding their data stored in iCloud and the information collected by AdMob.
Data Security
At KAPTAZ SpA, the security of our users' data is a top priority. While we do not directly access or process the personal data of Monesya users, we have implemented measures and practices to ensure that the information users store and manage through the app is protected. Below are our practices regarding data security:
1. iCloud Storage
All data entered into Monesya is stored and backed up directly in the user's personal cloud through iCloud. This ensures that data is managed and protected under Apple's robust security policies. iCloud utilizes advanced technologies to safeguard users' information.
2. Data Synchronization
Data synchronization across multiple Apple devices is conducted through iCloud, ensuring that information is accessible only through the user's Apple account. This approach guarantees that only the user has access to their personal financial data.
3. Advertising and AdMob
For non-subscribed users, advertising is managed by AdMob, which has its own security policies and practices for data collection and handling. Users can choose to disable personalized ad tracking to enhance their privacy.
4. Protection against Unauthorized Access
Monesya is designed to operate within the Apple ecosystem, leveraging built-in security features in iOS, iPadOS, and macOS. These features include biometric authentication (such as Face ID and Touch ID) and passcodes, which help protect access to the app and the data stored within it.
5. Security Updates
We are committed to keeping Monesya up-to-date with the latest security enhancements and patches provided by Apple. This includes implementing regular software updates to address potential vulnerabilities and enhance data protection for users.
6. Education and Awareness
We encourage our users to follow best practices in digital security, such as using strong, unique passwords, enabling two-factor authentication for their Apple accounts, and regularly reviewing their privacy and security settings.
7. Contact and Support
If users have any questions or concerns about the security of their data in Monesya, they can contact us at contact@kaptaz.com. We are available to provide assistance and guidance on how to better protect their personal information.
In summary, while KAPTAZ SpA does not directly access or process users' personal data, we ensure that information managed through Monesya is protected using iCloud and Apple's advanced security features. We are committed to maintaining high security standards to ensure our users' data remains safe and private.
Changes to Privacy Policy
At KAPTAZ SpA, we are committed to transparency and protecting the privacy of our users. As our Monesya application evolves and updates, we may make changes to our privacy policy to reflect new features, improvements in our privacy practices, or changes in applicable laws and regulations. Below are our practices regarding changes to the privacy policy:
1. Notification of Changes
When we make significant changes to our privacy policy, we will notify our users through various means, which may include in-app notifications, emails, and/or updates on our website. We will ensure that users have access to the most recent version of the privacy policy.
2. Last Updated Date
We will clearly indicate the date of the last update at the top of the privacy policy. This allows users to see when the most recent changes were made and understand the specific modifications that have been implemented.
3. Consent for Major Changes
If changes to the privacy policy significantly affect users' rights or how we handle their personal data, we will request their explicit consent before implementing such changes. This may include, for example, new data collection practices or changes in how information is shared with third parties.
4. Regular Review
We periodically review our privacy policy to ensure compliance with applicable laws and regulations, as well as industry best practices. We are committed to maintaining high privacy standards and continuously improving our data handling practices.
5. Access to Previous Versions
To maintain transparency, we will provide access to previous versions of our privacy policy. This allows users to compare previous policies with the current version and understand how our privacy practices have evolved.
6. Contact for Inquiries
If users have questions or concerns about changes to our privacy policy, they can contact us at contact@kaptaz.com. We are available to provide clarifications and address any inquiries they may have.
In summary, KAPTAZ SpA is committed to keeping users informed about any changes to our privacy policy. We will timely and clearly notify any significant updates, seek consent when necessary, and regularly review our practices to ensure ongoing compliance with applicable laws and regulations. Protecting the privacy of our users is our priority, and we strive to maintain open and transparent communication at all times.
Contact
At KAPTAZ SpA, we value the privacy and trust of our users. If you have any questions, concerns, or comments about our privacy policy or any aspect related to data privacy in Monesya, please do not hesitate to contact us. Below are the contact details:
• contact@kaptaz.com
• kaptaz.spa@gmail.com
We are committed to protecting your privacy and responding to all your inquiries promptly and efficiently. Your feedback is invaluable to us and helps us continuously improve Monesya and our privacy practices.