Privacy Policy
This Privacy Notice for monetr LLC (doing business as monetr) (“we,” “us,” or “our”), describes how and why we might access, collect, store, use, and/or share (“process”) your personal information when you use our services (“Services”), including when you:
- Visit our website at https://monetr.app, https://my.monetr.app, or any website of ours that links to this Privacy Notice.
- Engage with us in other related ways, including any sales, marketing, or events.
Questions or concerns? We’re here to help! Understanding this Privacy Notice is key to making informed decisions about your privacy rights and choices. If you have questions or concerns, or if there’s anything in this policy that doesn’t sit right with you, we encourage you to reach out to us at support@monetr.app. We’ll do our best to address your concerns and provide clarity.
Please note that we recommend not using our Services until you’re comfortable with how your personal information is handled under this policy. Your privacy and trust are important to us, and we’re committed to working with you to ensure your concerns are addressed.
Summary Of Key Points
This summary provides key points from our Privacy Policy, but you can find more details about any of these topics by clicking the link following each key point or by using our table of contents below to navigate to the relevant section.
What personal information do we collect? We collect personal information that you provide to us, such as names, email addresses, passwords, and payment details. Financial data can be provided either manually or through Plaid, with your explicit consent. Learn more about personal information you provide to us.
Do we process any sensitive personal information? We may process sensitive information such as financial data, but only with your explicit consent or as otherwise permitted by law. You have full control over how this information is shared. Learn more about sensitive information we process.
Do we collect any information from third parties? We may use publicly available information, such as data from merchant websites, to enhance your experience. We do not collect data from marketing partners, affiliates, or advertisers. Learn more about information collected from other sources.
How do we process your information? We process your information to provide and improve our Services, ensure security, and comply with legal obligations. We do not share your information externally without your explicit consent. Learn more about how we process your information.
In what situations and with whom do we share personal information? We only share your information with trusted service providers like Stripe or Plaid, and only when necessary to deliver the Services you request. Data sharing with Plaid is entirely opt-in and requires your explicit consent. Learn more about when and with whom we share your personal information.
How do we keep your information safe? We use industry-standard security measures such as encryption, restricted access, and regular updates to protect your information. While we strive to safeguard your data, no system can guarantee 100% security. Learn more about how we keep your information safe.
What are your privacy rights? Depending on your location, you may have the right to access, correct, delete, or restrict the use of your personal information. Learn more about what are your privacy rights.
How do you exercise your rights? You can exercise your rights by visiting https://monetr.app/contact/ or contacting us directly. We will respond in accordance with applicable data protection laws.
Want to learn more about what we do with any information we collect? Review the Privacy Policy in full.
Table Of Contents
1. What Information Do We Collect?
2. How Do We Process Your Information?
3. When and With Whom Do We Share Your Personal Information?
4. Do We Use Cookies And Other Tracking Technologies?
5. How Long Do We Keep Your Information?
6. How Do We Keep Your Information Safe?
7. Do We Collect Information From Minors?
8. What Are Your Privacy Rights?
9. Controls For Do-Not-Track Features
10. Do United States Residents Have Specific Privacy Rights?
11. Do We Make Updates To This Notice?
12. How Can You Contact Us About This Notice?
13. How Can You Review, Update, Or Delete The Data We Collect From You?
1. What Information Do We Collect?
1.1. Personal Information You Provide to Us
In Short: We only collect personal information that you choose to share with us.
We collect personal information directly from you when you interact with our Services. This includes information you provide when you:
- Register for an account.
- Express interest in our products or services.
- Participate in activities on the Services.
- Contact us for support or inquiries.
Personal Information We Collect: The specific information we collect depends on how you interact with our Services and the features you use. This may include:
- Names: To identify you in your account and communications.
- Email addresses: To communicate with you and provide account-related notifications.
- Passwords: To secure your account and enable authentication (encrypted for your protection).
- Payment details (e.g., debit/credit card numbers, billing addresses): Collected solely to process transactions. Payment data is securely handled by our third-party provider, Stripe.
1.2. Sensitive Information
Sensitive Information: With your explicit consent or as permitted by applicable law, we process the following categories of sensitive information:
- Financial Data: This includes information such as account numbers, transaction histories, and balances. Financial
data can be provided in the following ways:
- Via Plaid (Third-Party Integration): To provide certain services, we utilize Plaid, a third-party service that facilitates secure connections to your financial accounts. Data is shared with Plaid only on an opt-in basis, requiring your explicit consent. You must authenticate and authorize Plaid to access your financial information for data retrieval or sharing to occur. For more details on Plaid’s data handling practices, please review their Privacy Policy.
- Manually by You: Financial data may also be provided directly by you, either through manual entry or by uploading a file containing the relevant information. This option gives you full control over what data you share with us.
Payment Data: If you choose to make purchases, we may collect data necessary to process your payment, such as your payment instrument number and associated security code. All payment data is handled and stored by Stripe. You can find their privacy notice here: https://stripe.com/privacy.
For certain types of information, such as billing or payment details, we rely on you to provide accurate and complete information to process transactions and maintain your account.
1.3. Information from Other Sources
In Short: We may collect limited data from public sources to enhance your experience and provide accurate information.
In some cases, we may use publicly available information to improve our Services. This includes:
- Public databases: We may access publicly available information, such as a merchant’s website or similar resources, to provide additional context for a transaction (e.g., verifying the merchant’s name or categorizing a transaction).
This data is used solely to enhance the accuracy and functionality of our Services. It is not directly related to your personal information and is only processed to improve your experience.
We do not source data from marketing partners, affiliates, or third-party advertisers.
2. How Do We Process Your Information?
In Short: We process your information to provide, improve, and administer our Services, communicate with you, ensure security and fraud prevention, and comply with legal obligations. We will never share your information without your direct consent.
We process your personal information for a variety of reasons, depending on how you interact with our Services, including:
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To facilitate account creation and authentication and manage user accounts. We may process your information so you can create and log in to your account, as well as maintain its functionality.
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To deliver and facilitate delivery of services to you. We may process your information to provide you with the requested service.
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To request feedback. We may process your information to request feedback and communicate with you about your use of our Services.
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To protect our Services. We may process your information as part of our efforts to keep our Services safe and secure, including fraud monitoring and prevention.
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To evaluate and improve our Services and your experience. We may process your information to identify usage trends, evaluate product performance, and improve the features and functionality of our Services. However, your information will never be shared externally, even in anonymized form, without your explicit consent.
Note on Aggregate Metrics: We may use aggregate, identityless data—such as the total number of active users or general platform statistics—for public communication, marketing, or internal analysis. This data does not include any information that could identify you or any other user.
3. When and With Whom Do We Share Your Personal Information?
In Short: We do not share your personal information with third parties except when absolutely necessary to provide the Services you request.
We are committed to maintaining your privacy and will only share your personal information in the following situations:
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Service Providers. We may share information with trusted third-party service providers who assist in delivering the functionality of our Services (e.g., payment processing via Stripe or secure data integrations via Plaid).
Note: Sharing financial data with Plaid is entirely optional and requires your explicit consent. You must authenticate and authorize the connection to Plaid before any data is retrieved or shared. If you choose not to connect with Plaid, this will not limit your ability to use our Services, as manual data entry and file uploads are supported.
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Legal Obligations. We may disclose information if required to do so by law or in response to valid legal requests, such as subpoenas or court orders.
We will never sell, rent, or share your personal information for marketing, advertising, or other unrelated purposes without your explicit consent.
4. Do We Use Cookies And Other Tracking Technologies?
In Short: We use cookies only for essential functionality, such as authentication and customer support. We do not use cookies for analytics or advertising.
We may use cookies and similar tracking technologies to facilitate certain essential functions when you interact with our Services. Specifically, we use cookies to:
- Enable authentication and secure access to your account.
- Provide customer support and maintain the functionality of our Services
Customer Support Cookies: We use Chatwoot, a self-hosted customer support application. Chatwoot uses cookies to maintain chat session continuity, ensuring a seamless support experience. These cookies are used solely to provide customer support and do not track your activity outside the support chat.
Analytics Without Cookies: We use Umami, a privacy-focused, cookieless, and self-hosted analytics solution. Umami collects anonymous usage data to help us improve our Services. No personal data is ever collected, and no data is shared externally.
No Advertising or Third-Party Tracking: We do not permit third-party services to use tracking technologies on our platform for advertising, targeting, or analytics purposes. Your interactions with our Services are never shared with advertisers or external analytics providers.
If you have any questions about our use of cookies or tracking technologies, please contact us at support@monetr.app.
5. How Long Do We Keep Your Information?
In Short: We retain your information only as long as necessary to provide our Services, comply with legal obligations, or fulfill the purposes described in this Privacy Notice. Once it is no longer needed, we securely delete or anonymize it.
We will only keep your personal information for as long as it is necessary for the purposes set out in this Privacy Notice, unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements). No purpose in this notice will require us keeping your personal information for longer than 90 days past the termination of the user’s account.
When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.
6. How Do We Keep Your Information Safe?
In Short: We aim to protect your personal information through a system of organizational and technical security measures.
We have implemented appropriate and reasonable technical and organizational security measures designed to protect the security of any personal information we process. However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. Although we will do our best to protect your personal information, transmission of personal information to and from our Services is at your own risk. You should only access the Services within a secure environment.
7. Do We Collect Information From Minors?
In Short: We do not knowingly collect data from or market to children under 18 years of age.
We do not knowingly collect or solicit data from, or market to, children under 18 years of age. By using the Services, you represent that you are at least 18 years old or are the parent or guardian of a minor and consent to their use of the Services.
If we learn that personal information from users under the age of 18 has been collected, we will deactivate the account and take reasonable measures to promptly delete such data from our records. If you become aware of any data we may have collected from children under 18, please contact us at support@monetr.app.
8. What Are Your Privacy Rights?
In Short: You may review, change, or terminate your account at any time, depending on your country, province, or state of residence.
Withdrawing your consent: If we are relying on your consent to process your personal information, which may be express and/or implied consent depending on the applicable law, you have the right to withdraw your consent at any time. You can withdraw your consent at any time by contacting us by using the contact details provided in the section “How Can You Contact Us About This Notice?” below.
However, please note that this will not affect the lawfulness of the processing before its withdrawal nor, when applicable law allows, will it affect the processing of your personal information conducted in reliance on lawful processing grounds other than consent.
Account Information
If you would at any time like to review or change the information in your account or terminate your account, you can:
- Log in to your account settings and update your user account.
- Contact us using the contact information provided.
Upon your request to terminate your account, we will deactivate or delete your account and information from our active databases. However, we may retain some information in our files to prevent fraud, troubleshoot problems, assist with any investigations, enforce our legal terms and/or comply with applicable legal requirements.
Cookies and similar technologies: Most Web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove cookies and to reject cookies. If you choose to remove cookies or reject cookies, this could affect certain features or services of our Services.
If you have questions or comments about your privacy rights, you may email us at support@monetr.app.
9. Controls For Do-Not-Track Features
Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track (“DNT”) feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. At this stage, no uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this Privacy Notice.
California law requires us to let you know how we respond to web browser DNT signals. Because there currently is not an industry or legal standard for recognizing or honoring DNT signals, we do not respond to them at this time.
10. Do United States Residents Have Specific Privacy Rights?
In Short: If you are a resident of California, Colorado, Connecticut, Delaware, Florida, Indiana, Iowa, Kentucky, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Tennessee, Texas, Utah, or Virginia, you may have the right to request access to and receive details about the personal information we maintain about you and how we have processed it, correct inaccuracies, get a copy of, or delete your personal information. You may also have the right to withdraw your consent to our processing of your personal information. These rights may be limited in some circumstances by applicable law. More information is provided below.
Categories of Personal Information We Collect
We have collected the following categories of personal information in the past twelve (12) months:
Category | Examples | Collected |
---|---|---|
A. Identifiers | Contact details, such as real name, alias, postal address, telephone or mobile contact number, unique personal identifier, online identifier, Internet Protocol address, email address, and account name | YES |
B. Personal information as defined in the California Customer Records statute | Name, contact information, education, employment, employment history, and financial information | YES |
C. Protected classification characteristics under state or federal law | Gender, age, date of birth, race and ethnicity, national origin, marital status, and other demographic data | NO |
D. Commercial information | Transaction information, purchase history, financial details, and payment information | YES |
E. Biometric information | Fingerprints and voiceprints | NO |
F. Internet or other similar network activity | Browsing history, search history, online behavior, interest data, and interactions with our and other websites, applications, systems, and advertisements | NO |
G. Geolocation data | Device location | NO |
H. Audio, electronic, sensory, or similar information | Images and audio, video or call recordings created in connection with our business activities | NO |
I. Professional or employment-related information | Business contact details in order to provide you our Services at a business level or job title, work history, and professional qualifications if you apply for a job with us | NO |
J. Education Information | Student records and directory information | NO |
K. Inferences drawn from collected personal information | Inferences drawn from any of the collected personal information listed above to create a profile or summary about, for example, an individual’s preferences and characteristics | NO |
L. Sensitive personal Information | Account login information, debit or credit card numbers and financial information including account access details | YES |
We only collect sensitive personal information, as defined by applicable privacy laws or the purposes allowed by law or with your consent. Sensitive personal information may be used, or disclosed to a service provider or contractor, for additional, specified purposes. You may have the right to limit the use or disclosure of your sensitive personal information. We do not collect or process sensitive personal information for the purpose of inferring characteristics about you.
We may also collect other personal information outside of these categories through instances where you interact with us in person, online, or by phone or mail in the context of:
- Receiving help through our customer support channels;
- Participation in customer surveys or contests; and
- Facilitation in the delivery of our Services and to respond to your inquiries.
We will use and retain the collected personal information as needed to provide the Services or for:
- Category A - As long as the user has an account with us
- Category B - As long as the user has an account with us
- Category D - As long as the user has an account with us
- Category L - As long as the user has an account with us
Sources of Personal Information
Learn more about the sources of personal information we collect in “What Information Do We Collect?”
How We Use and Share Personal Information
Learn more about how we use your personal information in the section, “How Do We Process Your Information?”
Will your information be shared with anyone else?
We may disclose your personal information with our service providers pursuant to a written contract between us and each service provider. Learn more about how we disclose personal information to in the section, “When and With Whom Do We Share Your Personal Information?”
We may use your personal information for our own business purposes, such as for undertaking internal research for technological development. This is not considered to be “selling” of your personal information.
We have not disclosed, sold, or shared any personal information to third parties for a business or commercial purpose in the preceding twelve (12) months. We will not sell or share personal information in the future belonging to website visitors, users, and other consumers.
Your Rights
You have rights under certain US state data protection laws. However, these rights are not absolute, and in certain cases, we may decline your request as permitted by law. These rights include:
- Right to know whether or not we are processing your personal data
- Right to access your personal data
- Right to correct inaccuracies in your personal data
- Right to request the deletion of your personal data
- Right to obtain a copy of the personal data you previously shared with us
- Right to non-discrimination for exercising your rights
- Right to opt out of the processing of your personal data if it is used for targeted advertising (or sharing as defined under California’s privacy law), the sale of personal data, or profiling in furtherance of decisions that produce legal or similarly significant effects (“profiling”)
Depending upon the state where you live, you may also have the following rights:
- Right to access the categories of personal data being processed (as permitted by applicable law, including Minnesota’s privacy law)
- Right to obtain a list of the categories of third parties to which we have disclosed personal data (as permitted by applicable law, including California’s and Delaware’s privacy law)
- Right to obtain a list of specific third parties to which we have disclosed personal data (as permitted by applicable law, including Minnesota’s and Oregon’s privacy law)
- Right to review, understand, question, and correct how personal data has been profiled (as permitted by applicable law, including Minnesota’s privacy law)
- Right to limit use and disclosure of sensitive personal data (as permitted by applicable law, including California’s privacy law)
- Right to opt out of the collection of sensitive data and personal data collected through the operation of a voice or facial recognition feature (as permitted by applicable law, including Florida’s privacy law)
How to Exercise Your Rights
To exercise these rights, you can contact us by visiting https://monetr.app/contact/, by emailing us at support@monetr.app, by calling toll-free at (651) 243-0035, or by referring to the contact details at the bottom of this document.
Under certain US state data protection laws, you can designate an authorized agent to make a request on your behalf. We may deny a request from an authorized agent that does not submit proof that they have been validly authorized to act on your behalf in accordance with applicable laws.
Request Verification
Upon receiving your request, we will need to verify your identity to determine you are the same person about whom we have the information in our system. We will only use personal information provided in your request to verify your identity or authority to make the request. However, if we cannot verify your identity from the information already maintained by us, we may request that you provide additional information for the purposes of verifying your identity and for security or fraud-prevention purposes.
If you submit the request through an authorized agent, we may need to collect additional information to verify your identity before processing your request and the agent will need to provide a written and signed permission from you to submit such request on your behalf.
Appeals
Under certain US state data protection laws, if we decline to take action regarding your request, you may appeal our decision by emailing us at support@monetr.app. We will inform you in writing of any action taken or not taken in response to the appeal, including a written explanation of the reasons for the decisions. If your appeal is denied, you may submit a complaint to your state attorney general.
California “Shine The Light” Law
California Civil Code Section 1798.83, also known as the “Shine The Light” law, permits our users who are California residents to request and obtain from us, once a year and free of charge, information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request in writing to us by using the contact details provided in the section “How Can You Contact Us About This Notice?“
11. Do We Make Updates To This Notice?
In Short: Yes, we will update this notice as necessary to stay compliant with relevant laws.
We may update this Privacy Notice from time to time. The updated version will be indicated by an updated “Revised” date at the top of this Privacy Notice. If we make material changes to this Privacy Notice, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this Privacy Notice frequently to be informed of how we are protecting your information.
12. How Can You Contact Us About This Notice?
If you have questions or comments about this notice, you may email us at support@monetr.app:
13. How Can You Review, Update, Or Delete The Data We Collect From You?
You have the right to request access to the personal information we collect from you, details about how we have processed it, correct inaccuracies, or delete your personal information. You may also have the right to withdraw your consent to our processing of your personal information. These rights may be limited in some circumstances by applicable law. To request to review, update, or delete your personal information, please visit: https://monetr.app/contact/.