Privacy Policy

1. Overview

This Privacy Policy explains how Carbune Digital Solutions ("we", "us", "our") collects, uses and protects information when you use MONERGY ("the App"). By using MONERGY, you agree to the practices described in this policy.

2. What MONERGY Does

MONERGY is a personal money flow organization tool. It allows you to record, categorize and review your financial data within the app. MONERGY does not connect to your bank, payment provider or any external financial institution.

3. Information We Collect

3.1 Information You Provide

We may collect information you enter directly into the app, including:

• Account registration details (email address, name)
• Financial records you enter manually (income, expenses, budgets)
• Categories and labels you create
• Notes and descriptions you add to transactions

3.2 Automatically Collected Information

We may collect basic technical data to operate and improve the app, including:

• Device type and operating system
• App version and crash reports
• General usage patterns (not linked to individual transactions)

4. How We Use Your Information

We use your information solely to:

• Provide and maintain the MONERGY app
• Respond to support requests
• Improve app functionality and performance
• Comply with legal obligations

5. We Do Not Sell Your Data

Your personal data and financial records are never sold to third parties. We do not use your financial data for advertising, profiling or commercial purposes beyond operating MONERGY.

6. AI Features

MONERGY includes an AI Assistant feature. AI-generated suggestions are provided for organizational convenience only and do not constitute financial, tax, legal or accounting advice. You must review all AI suggestions before saving or acting on them. We are not responsible for decisions made based on AI output.

7. Data Storage and Security

We apply reasonable technical and organizational measures to protect your data. However, no system is completely secure and we cannot guarantee absolute security of your information. You are responsible for maintaining the security of your account credentials.

8. Data Retention

We retain your data for as long as your account is active. If you request deletion of your account, we will delete your personal data within a reasonable timeframe, subject to any legal retention obligations.

9. Your Rights

Depending on your location, you may have the right to:

• Access the personal data we hold about you
• Request correction of inaccurate data
• Request deletion of your data
• Object to or restrict processing of your data

To exercise any of these rights, contact us at support@carbunedigital.com.

10. Third-Party Services

MONERGY may use third-party services for infrastructure or analytics. These services are bound by their own privacy policies. We do not share your financial records with any third party except as required to operate the app or comply with law.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes through the app or by email. Continued use of MONERGY after changes constitutes acceptance of the updated policy.

12. Contact

For any privacy-related questions or requests, contact Carbune Digital Solutions at: support@carbunedigital.com