Last updated: February 03, 2026

1. Introduction

Moneto (“we,” “our,” or “us”) is a personal finance application designed to help users track income, expenses, budgets, and related financial records on their own devices.

We value your privacy. This Privacy Policy explains how Moneto accesses, stores, uses, and shares information when you use the app.

2. Summary of How Moneto Works

Moneto is primarily a local-first application. The financial information you enter into the app is stored locally on your device. We do not operate a backend service to collect or store your personal finance records on our own servers.

However, Moneto uses certain third-party services, such as Google AdMob and related Google services, which may process limited device and app-related data for advertising, analytics, diagnostics, and fraud prevention.

3. Information We Process

A. Financial Data You Enter

Moneto allows you to enter information such as:

• income
• expenses
• categories
• notes
• budgets or spending limits

This information is stored locally on your device and is not transmitted to our servers.

B. Device and App Data Processed by Third Parties

If you use Moneto, third-party services integrated into the app, especially Google AdMob / Google Mobile Ads SDK and related Google services, may automatically collect or receive certain data, including:

• IP address