Monvio Privacy Policy

Version 6 · Effective date: 21 July 2026

1. Who we are

Monvio is a personal-finance app that brings your accounts, investments and net worth together in one place. Monvio is developed by Apptico Ltd, a company registered in England and Wales (company number 17317836). For the purposes of data protection law, Apptico Ltd is the "controller" of the personal data processed through the Monvio apps and the monvio.app website. This means that we are responsible for safeguarding that personal data and are accountable to you for the manner in which it is used.

This policy applies to the Monvio mobile apps, the monvio.app website and the waitlist. It explains what information we collect, why we collect it, with whom we share it, how long we retain it, and the rights you have in relation to it. We have written this policy in clear language so that it is readily understandable. If anything is unclear, or if you wish to ask us a question about your data, please email support@apptico.com.

Your use of Monvio is also governed by our Terms of Service, which should be read alongside this policy. If you prefer to contact us in writing, our registered office is 71–75 Shelton Street, Covent Garden, London WC2H 9JQ.

2. The information we collect

We collect three categories of information: information you provide to us, information generated automatically when you use the apps, and information we receive from other sources on your instructions. Each category is described below. Where you provide information directly, we also explain whether providing it is mandatory or optional.

Information you give us

Certain information is required to open and operate your account, while much of the information described below is entirely optional. The full list, together with the consequences of choosing not to provide an item, is as follows:

• Email address — required to open and maintain an account. We use it to identify your account, enable you to sign in, and contact you about the service. Without an email address, we cannot provide Monvio.
• Invite code — required while Monvio remains in early access. Without a valid invite, you cannot yet register, but you may join the waitlist instead.
• Password — required to sign in unless you use a passkey or choose to sign in with Apple or Google instead. We never see or store your password in readable form.
• Display name — optional. It is used to personalise the app; if you choose not to provide one, the app's operation remains unchanged.
• Connection sign-in details — required only if you connect a financial institution directly, rather than through one of the connection partners identified in section 5. Depending on the institution, these details will be either a read-only token that you create in the institution's own settings, or the sign-in details for that institution, which we store in encrypted form using keys that we control. Without those details, the account cannot be connected by this method, although it may still be possible to connect it through a partner.
• Phone number — required only if you choose SMS sign-in codes as your second sign-in step. You are not required to do so: passkeys and other sign-in methods are always available. If you do not provide a phone number, the only unavailable function is the receipt of SMS codes.
• Passkey credentials — required only if you choose to create a passkey. This is entirely optional. Passkeys never leave your device's own secure storage in a usable form, and we store only the public part.
• Postcode — required only if you ask us to value a UK property that you have added manually. You are not required to provide it, but without it we cannot produce an automated valuation. You may still track the property using a value that you set yourself.
• Vehicle registration and mileage — required only if you ask us to identify and value a UK vehicle that you add manually. We also ask how many miles you expect to drive each year so that later estimates can use an updated estimated mileage without asking you again. You may instead track the vehicle using a value that you set yourself.
• Chat messages — collected only if you switch on Monvio Chat. Chat messages are never required, and the remainder of the app remains fully available without them.
• Advisor memory — details you choose to save for Monvio Chat to remember, such as goals, income, debts, household circumstances or planning assumptions. Providing these details is entirely optional. Everything saved is visible on the Advisor memory page, where you can edit or delete each item individually.
• Waitlist email address (and a name, if you give one) — collected only if you join the waitlist. Without an email address, we cannot notify you when access is ready. When you submit the form, we also record the IP address from which it was submitted and the approximate location (country and city) that we derive from it on our own systems. This information helps us screen abusive sign-ups and understand the geographical sources of demand.
• Settings and preferences that you select in the app, such as your base currency, notification choices and privacy toggles — optional. If you retain the default settings, the app's operation remains unchanged.

Information collected automatically

When you use the apps, we also process the following information:

• Push-notification registration tokens for your devices — the addresses that allow notifications you have enabled to reach your phone. These tokens identify a device, not its contents. It is important to understand that a notification's text may include your figures, which is the purpose of a digest; that text passes through Apple's or Google's push service in order to reach your device; and whether the notification appears on your lock screen is determined by your device settings rather than by us.
• Device-integrity attestations generated by your device's operating system and sent with requests made by the app — evidence that the request originates from a genuine, unmodified copy of the app. We do not retain these attestations.
• Crash reports — if the app crashes, we receive the technical trace of the crash, a crash identifier, your user ID, your device model and its operating-system version. This is the technical context required to identify and correct the fault. You can disable crash reports entirely (see section 9).
• Usage analytics — in the apps, this comprises stable screen names (such as "overview" or "settingsPrivacy"), session and lifecycle timing, app version, browser or device model, operating-system version, language, approximate country and a randomly generated app-instance or browser identifier. On the public website it also comprises the public page and section viewed, clicks on links, buttons and disclosure controls, and whether a waitlist submission succeeded or failed. It never includes the name or email address entered in the waitlist form, the form's contents, the full address visited, external referrer or query strings. Usage analytics are enabled by default. They can be disabled immediately through "Analytics settings" on every public page or, in the app, in Settings → Privacy & Data. We do not send your Monvio user ID, email address, financial values, searches, postcode, vehicle registration, or account, transaction, asset, connection, vehicle or notification identifiers to Analytics.
• Short-lived abuse-prevention records derived from your IP address when you use public endpoints such as sign-in or the waitlist form — these records enable us to limit password-guessing attempts and spam.
• Operational server logs, which include your user ID — the routine records maintained by an online service to diagnose faults and investigate abuse.

Information from other sources

Your connected accounts. When you connect a financial account, we receive details of that account from your financial institution, including account information, balances, cards, transactions, holdings and positions. These are privately held sources in the banking and investment sector. The data reaches us in one of three ways: through TrueLayer (for UK banks), through SnapTrade (for North American brokerages), or directly from your institution using the token or sign-in details described above. You choose each connection. We never connect an account unless you have instructed us to do so, and you can disconnect an account at any time through the app.

Your sign-in provider. If you register or sign in with Apple or Google, we receive your email address, and your name if your provider shares it, from your account with that provider, which is a privately held source. We also receive the technical confirmation of the sign-in itself: an identifier for your account with that provider and cryptographic proof that the sign-in is genuine. We do not receive your contacts, files or any other information from your provider account.

Public property data. To value a UK property that you have added, we look up historical sale prices and local house-price trends for the postcode you provide. This information comes from HM Land Registry public datasets (Price Paid Data and the UK House Price Index), which are publicly accessible sources maintained by a UK public body. The resulting figure is an estimate derived from public sales data, rather than a survey or a professional valuation, and the app presents it accordingly.

If you only visit the website

If you only visit the public pages at monvio.app and do not open the authenticated web app, Google Analytics provides the limited statistical measurement described above. It uses a randomly generated browser identifier, a first-party analytics cookie lasting no more than 30 days, device and browser information, and an approximate country derived from the connection address. We send only fixed public-page, section and action labels: we deliberately replace the full page address and referrer with constant Monvio addresses, so query strings and external referrers are not sent. Advertising storage, Google Signals, advertising user data and personalisation are always disabled. You may stop this measurement at any time, without charge, through "Analytics settings" on every public page. Your choice is stored locally in your browser so that it is respected on later visits. If you submit the waitlist form, the separate waitlist record contains precisely what is described in the waitlist bullet above: your email address, your name if provided, and the submission's IP address and approximate location. Analytics records only that a submission succeeded or failed; it never receives the values entered in the form.

Information we create about you

Using the data described above, Monvio derives further information: your net worth and its history, spending totals and categories, portfolio allocation and performance, and the insights and digests generated by the app for you. This derived information is also personal data. It relates to you, is included when you export your data, and is deleted on the same terms as the data from which it was derived (section 7).

3. How we use your information

UK data protection law requires us to have a legal ground, known as a "lawful basis", for every use of personal data. We rely on three lawful bases. Contract: the data is required to provide the service for which you have registered. Consent: you have actively agreed to the processing and may withdraw that agreement at any time. Legitimate interests: we have a genuine and proportionate reason for the processing that does not override your rights, and you may object. Each use of your information and its corresponding lawful basis is set out below:

• Creating, securing and signing you into your account, including through SMS codes and passkeys — using your email address, invite code, password, display name, phone number and passkey credentials. Ground: contract. An account cannot operate without a means of signing in.
• Connecting your financial institutions and keeping your data current — using your connection sign-in details and the financial data itself. Ground: contract. This is a central function of the product: you connect accounts so that Monvio can display them to you.
• Showing you your money — including your net worth, spending, allocation and performance — and generating categorisation, insights, notifications and digests, including by using AI (see section 4). Ground: contract.
• Valuing a UK property you add — using your postcode and HM Land Registry sale prices. Ground: contract. This processing occurs only when you request it.
• Identifying and valuing a UK vehicle you add — using its registration, your recorded mileage and expected annual mileage. Ground: contract. This processing occurs only when you request it; subsequent provider valuations are checked no more than once in any rolling 30-day period.
• Monvio Chat — answering questions about your money using your chat messages, your saved advisor memory, and the financial data required to provide an answer. Ground: consent. Chat operates only if you switch it on, and you may withdraw your consent at any time on the chat's Advisor memory page (section 9). Your chat history is then deleted.
• Storing your advisor memory — retaining the details you have chosen to save (section 2) so that they are available whenever chat is on, including where you turn chat off and later re-enable it. Ground: contract. Withdrawing chat consent prevents the memory from being used; it remains stored until you delete it, individually or in its entirety, on the Advisor memory page.
• Delivering push notifications you have enabled — using your notification tokens and the content of the notification. Ground: contract. You control which notifications are enabled in Settings.
• Keeping the service secure and working — including abuse prevention, rate-limiting, crash diagnostics and audit records evidencing how chat answers were produced. Ground: legitimate interests — specifically, protecting the service and users' data from abuse, and identifying and correcting defects. You may object (section 9), and crash reporting has a separate control that allows you to switch it off.
• Understanding and improving how Monvio is used — using the limited usage analytics described in section 2 to produce aggregate statistics about public-page and section views, interactions, waitlist conversion, app screens, sessions and app versions. Ground: legitimate interests — specifically, identifying confusing or unreliable parts of the service without sending financial data, form entries or Monvio account identifiers to Analytics. You may object at any time through "Analytics settings" on a public page or by switching off "Share usage analytics" in Settings → Privacy & Data.
• Running the waitlist — notifying you when access is ready, screening abusive sign-ups and understanding demand, using your waitlist email address and name together with the submission IP address and approximate location. Ground: legitimate interests — specifically, contacting people who have asked to be informed about access, and protecting and planning the service. You may object (section 9).
• Keeping records of your consents and connection authorisations. Ground: legitimate interests — specifically, evidencing that processing was authorised, including for the establishment or defence of legal claims.
• Serving the monvio.app website — the technical processing of a visitor's connection address for the time required to deliver the pages requested. Ground: legitimate interests — specifically, making the website available to those who request it. Where limited usage analytics remain enabled, Google also processes the address transiently to derive the approximate country described in section 2; the full address is not shown in our Analytics reports.

This is the complete list of purposes for which we use your data. We do not use it for any other purpose. If we wish to do so in the future, we will first update this policy and, where required by law, ask you.

4. AI and automated decisions

Monvio uses AI to help interpret your financial information. The specific purposes for which AI is used are as follows:

• Categorisation — AI reads your transactions and assigns them to spending categories so that your spending view presents meaningful information. You may correct any category, and your correction takes precedence.
• Insights and digests — AI prepares plain-English summaries explaining what has changed in your finances and why.
• Monvio Chat — if you switch it on, AI answers your questions using your own financial data: your accounts, balances, transactions and holdings, together with the question you asked. Every answer is checked against your actual ledger before it is provided to you. Audit records evidencing how an answer was produced are retained for 90 days (section 7), enabling us to investigate anything that appears incorrect.

This processing is carried out on our instructions by our AI provider, Google, under an agreement that does not permit your data to be used to train its models. Chat differs from the remainder of the app: it operates only with your consent, is off until you switch it on, and provides general information rather than regulated financial advice. You may turn it off at any time on the Advisor memory page, after which your chat threads and messages are deleted (section 9).

Monvio profiles your financial data in order to provide these features. However, we do not use automated processing to make significant decisions about you: nothing Monvio does determines whether you receive credit, a product, a price or a service. No automated decision-making subject to the safeguards in Article 22C of the UK GDPR takes place.

5. Who we share your information with

We do not sell your personal data. We do not share it with data brokers, advertisers or any other party for their own purposes. We share it only with the partners identified below and only for the purposes described in this policy. Each partner is required either to process your data solely on our instructions or to do so under terms that it presents to you directly:

• Google (United States) — provides our cloud infrastructure. Acting on our instructions, Google's systems perform our hosting and data storage, user authentication, push-notification delivery, crash reporting, limited product analytics and AI processing. Advertising storage, advertising user data and advertising personalisation are disabled for Monvio Analytics. Google is not permitted to use your data for its own purposes, and our AI agreement prevents your data from being used to train models.
• TrueLayer (United Kingdom) — an open-banking account-information provider authorised by the Financial Conduct Authority. When you connect a UK bank, TrueLayer provides the read-only connection, receives your instruction to share that account's data with Monvio, and identifies itself to you on its own consent screen. You may withdraw that access at any time.
• SnapTrade (Canada) — a brokerage-connection provider. When you connect a North American brokerage, SnapTrade provides the read-only connection and presents its own end-user terms to you when you connect.
• HM Land Registry (a United Kingdom public body) and postcodes.io (a United Kingdom open-data postcode lookup service) — each receives the postcode you provide, in the form of a query, when we value a UK property for you. No other information about you is sent to them.
• Vehicle Data Global / UK Vehicle Data (United Kingdom) — receives the vehicle registration and the current or estimated mileage when you ask us to identify or value a UK vehicle. It returns the vehicle description and market valuation figures. No Monvio account identifier or financial-account data is sent to it.
• Logo.dev (United States) — a brand-logo service operated by Simple Casual, LLC, which supplies the logos shown beside your transactions and investments. Because your device requests each logo directly from Logo.dev, it receives your device's IP address, the time of the request, and the merchant web address or investment ticker symbol whose logo is shown. It is not sent any Monvio account identifier, your name or email address, your sign-in credentials, or any transaction amount, account balance, or holding quantity or value. Logo.dev states that it keeps these request logs only for as long as it needs them to run, secure and bill for its service. A logo returned to your device is reused from an on-device cache for up to 30 days, so it is not fetched again each time it is shown.

If you sign in with Apple or Google, your sign-in provider will know that you use Monvio, as it would for any app accessed using that provider. We do not send the provider any information beyond that required for the sign-in process itself.

If we add or change a partner that processes your personal data, we will update this policy before that change takes effect. The list above is maintained as a current and definitive list, rather than an indicative one.

Apart from disclosures to these partners, we would disclose personal data only where the law genuinely required us to do so, for example in response to a binding court order, and would disclose only the minimum information required.

What we do not do

• We never sell your data.
• We do not conduct credit checks and do not work with credit reference agencies. Using Monvio never affects your credit score because our access to your accounts is read-only.
• We do not display advertisements and do not share data with advertisers.
• We cannot move your money. No Monvio connection has payment powers; every connection is read-only.

6. Where your information is stored

Data processed by Google is stored in the United States. UK law permits this transfer: relevant regulations under Article 45A of the UK GDPR exist for it (the UK–US data bridge — the UK Extension to the EU-US Data Privacy Framework).

Brokerage-connection data processed by SnapTrade is transferred to Canada. Relevant regulations under Article 45A of the UK GDPR also exist for this transfer (the UK's adequacy regulations for Canada, covering recipients subject to Canada's federal private-sector data-protection law).

In each case, the UK government has formally assessed the protections provided in the destination and approved transfers of this kind.

A logo shown beside a transaction or investment is fetched by your device directly from Logo.dev, so your device's IP address and the merchant or ticker identifier described in section 5 reach Logo.dev in the United States. This narrower transfer is not covered by the adequacy regulations above: Logo.dev's own privacy policy states that it relies on the European Commission's Standard Contractual Clauses to protect transfers to the United States.

7. How long we keep your information

Our general approach is to retain your data while you use Monvio and to delete it when you leave, subject only to short and specific residual periods where required for an operational purpose, such as completing a backup cycle or maintaining an audit trail. The applicable retention periods are as follows:

• Financial and account data — retained while your account remains open. Data relating to a connection is deleted when you disconnect it; it is deleted rather than archived. All financial and account data is deleted when you delete your account in Settings. The categories listed below are subject to their own retention periods.
• Authentication records — removed from live and backup systems within 180 days after account deletion. This period reflects the time required for the final backups to complete their cycle.
• Chat — threads and messages are deleted 30 days after the last activity, or immediately if you turn chat off. Audit records evidencing how answers were produced are retained for 90 days.
• Advisor memory — retained until you delete it, individually or in its entirety, on the Advisor memory page. Turning chat off does not delete it, and it therefore remains available if you re-enable chat. It is deleted with your account.
• Data exports — the download link remains available for 1 hour, and the exported file is deleted after 7 days.
• Crash reports — retained for 90 days.
• Usage analytics — event-level data associated with an app-instance or browser identifier is retained for 2 months. User-level app data is retained for 14 months and that period resets when the same app identifier is active again. The marketing-site analytics cookie is configured to expire 30 days after it is created and is not extended by later activity. Standard reports use aggregated statistics and are not affected by those event-level retention periods. Switching usage analytics off stops new collection immediately, removes the marketing-site analytics cookie, and resets the app-instance identifier on Android and iOS.
• UK vehicle data — a vehicle that you save is retained with your other account data until you delete the asset or your account. Its registration is encrypted in our database. Server-side lookup-cache entries use an opaque keyed hash instead of a readable registration and expire at the next UK midnight.
• Operational logs — retained for 30 days; certain audit logs that our cloud provider is required to retain are kept for 400 days.
• Abuse-prevention records — retained for 30 days.
• Device-integrity attestations — transmitted with requests made by your app and not retained at all.
• Waitlist records — retained until you receive access or ask to be removed, and deleted with your account.
• Consent records — retained while your account remains open and deleted with your account.

What deleting your account means

As the expression "delete my account" may have different meanings in different apps, this paragraph explains precisely what it means in Monvio. When you confirm deletion, your account is deleted in a single operation: the data visible in the app, including connections, accounts, transactions, holdings, history, chat and settings, is erased, and your sign-in and sessions are removed with it. Copies held in slower systems, such as export files and notification queues, are removed in the minutes that follow. Authentication records are removed from the final backups within 180 days. There is no "deactivated" account and no shadow profile. The limited operational copies described above simply expire in accordance with their stated retention periods.

Disconnecting an individual connection operates in the same manner on a smaller scale: the data associated with that connection is deleted immediately and permanently, while the remainder of your account is unaffected.

8. How we protect your information

Monvio is designed to hold a complete picture of your finances. We therefore treat the security of that information as a central element of the product, rather than as an ancillary compliance measure. In particular:

• Encryption everywhere — your data is encrypted both in transit and at rest.
• Extra protection for credentials — sign-in details that you provide for a direct connection are additionally encrypted using keys that we control before they are stored, so they are never stored in readable form.
• Read-only by design — bank and brokerage connections allow us to view balances, transactions and holdings. They cannot move money, make payments or alter anything in your accounts.
• Restricted access — access to production data within Apptico is restricted and logged.

If a personal-data breach created a likely risk to you, we would report it to the Information Commissioner without undue delay and, where feasible, within 72 hours. Where a breach created a likely high risk to you and Article 34 required notification, we would inform you without undue delay, either directly or through an equally effective public communication where permitted by law. No online service can guarantee absolute security, and we do not claim otherwise. We can confirm that protecting this data is a core element of Monvio's product work and is addressed through the practices described above.

You can also assist in protecting your account by using a passkey, which cannot be phished, and by keeping your email account secure. Email accounts are used for account recovery across services generally, not only by Monvio. If you suspect that another person has accessed your Monvio account, please email us without delay.

9. Your rights and your controls

Controls built into the app

The app itself will usually provide the quickest means of controlling your data, without requiring you to send an email:

• Disconnect a connection — permanently and immediately deletes the data associated with that connection.
• Delete your account — available in Settings; deletes your account and its data, leaving only the short operational residual periods identified in section 7, which explains precisely what occurs.
• Export your data — provides a machine-readable copy of your accounts, transactions, holdings and history at any time.
• Turn Monvio Chat off — available on the Advisor memory page, opened from the chat screen; withdraws your consent and deletes your chat history.
• Turn crash reports off — through "Share crash reports" in Settings → Privacy & Data.
• Turn usage analytics off — through "Share usage analytics" in Settings → Privacy & Data. The setting is enabled by default; switching it off immediately stops new Analytics events from the app. On any public page, "Analytics settings" provides the equivalent immediate, free control for marketing-site analytics.
• Choose your notifications — allows you to decide which notifications you receive in Settings.
• Privacy mode — hides your on-screen balances with one tap on every screen that displays a figure.

Your legal rights

You also have enforceable legal rights in relation to your personal data. Each right, its meaning and the most direct means of exercising it are described below:

• Access — you may obtain a copy of your data at any time. The in-app export provides one immediately without the need to contact us; you may also request a copy by email.
• Rectification — you may have inaccurate data corrected. Most information, including categories, account names and manual values, can be edited directly in the app. For anything else, please email us.
• Erasure — you may have your data deleted. The in-app routes are unconditional: you may disconnect a connection to delete its data or delete your account in Settings, without giving a reason. You may also email us with an erasure request without citing any legal provision. The statutory right applies in the circumstances prescribed by law and is subject to certain legal exceptions. If an exception applies to your request, we will identify it and explain why it applies.
• Restriction — you may ask us to suspend the use of your data in certain circumstances, for example while a dispute concerning its accuracy is being resolved. Please email us to exercise this right.
• Portability — you may transfer your data elsewhere. The export is provided in machine-readable JSON or CSV format and can therefore be used in spreadsheets and other tools.

Your right to object. Where we rely on legitimate interests (section 3), you may object at any time on grounds relating to your particular situation by emailing support@apptico.com. We will stop the relevant processing unless we can demonstrate compelling legitimate grounds that override your interests, rights and freedoms, or unless the processing is required to establish, exercise or defend legal claims. If we relied on such grounds, we would explain precisely why they applied. You do not need to contact us to object to crash reports or usage analytics: switching off the corresponding control in Settings → Privacy & Data, or using "Analytics settings" on the public website, stops that processing immediately.

Withdrawing consent. Where processing is based on your consent (Monvio Chat), you may withdraw it at any time by turning Monvio Chat off on its Advisor memory page. Your chat threads and messages are then deleted; anything saved to advisor memory remains stored until you delete it there. Withdrawing consent does not affect the lawfulness of processing carried out before your consent was withdrawn.

How we handle rights requests. For anything that cannot be completed directly in the app, please email support@apptico.com. We will respond within one month and without charge. The law permits us to extend that period by up to two further months where requests are genuinely complex or numerous; if an extension is required, we will notify you within the first month. We may charge a reasonable fee for, or decline to act on, a manifestly unfounded or excessive request. A particular right may also be subject to its own statutory conditions and exemptions. If one applies to your request, we will identify it and explain why it applies. Where a request is submitted by email, we may first need to verify your identity before acting on it.

10. How to complain

If you are dissatisfied with the manner in which we have handled your data, you have the right to complain to us under section 164A of the Data Protection Act 2018 by emailing support@apptico.com. We will acknowledge your complaint within 30 days, investigate it properly, and inform you of the outcome without undue delay.

You also have the right to lodge a complaint with the UK regulator, the Information Commissioner, at ico.org.uk, whether or not you first complain to us (section 165, Data Protection Act 2018).

11. Children

Monvio is intended for adults. You must be at least 18 years old to use the service, as also stated in our Terms of Service, and we do not knowingly collect personal data from anyone under 18. If you believe that a child has created an account, please email support@apptico.com. We will investigate and delete the account.

12. Marketing

We do not send marketing communications and do not use your data for advertising. We also do not purchase data about you from any person or add you to third-party mailing lists. If you join the waitlist, the emails you receive from us will concern one matter only: your access to Monvio. If any of these practices changes, we will first update this policy and obtain anything required by law. Marketing would take place only with a genuine opt-in and never by default.

13. Cookies and website analytics

The public information and marketing pages at monvio.app use a first-party Google Analytics cookie, with the 30-day limit described in section 7, to produce statistical information about page and section views, interactions and waitlist conversion. The sole purpose is to understand and improve the website and Monvio service. The measurements are aggregated into reports; they are not used to infer interests, make decisions about visitors, advertise, personalise advertising or build advertising audiences. We rely on the UK statistical-purposes exception for this limited storage and access technology. In accordance with that exception, this policy gives clear and comprehensive information and every public page provides a simple and free "Analytics settings" control through which you can object immediately.

The authenticated Monvio web app separately uses local browser storage to keep essential app settings and, unless you opt out in the app, a randomly generated Analytics identifier for the limited aggregate app statistics described above. Advertising storage, Google Signals, advertising user data and personalisation are disabled for both public-site and app Analytics. If the purpose or technology changes, we will update this policy and obtain consent where the law requires it.

14. Changes to this policy

When we amend this policy, we will publish the revised version here with a new version number and effective date. If an amendment materially affects how we use your personal data, we will notify you in the app or by email before it takes effect.

15. About this policy

Certain terms used in this policy have specific legal meanings, which are explained here in plain language. Personal data means any information relating to you as an identifiable person, from your email address and transaction history to figures that we derive about you. Processing means anything done with that data, including collecting, storing, analysing, sharing and deleting it. The controller is the person who determines why and how personal data is processed; for Monvio, that person is Apptico Ltd. The UK GDPR and the Data Protection Act 2018 are the UK laws under which this policy is written, as amended by the Data (Use and Access) Act 2025.

This policy was last updated on 21 July 2026 (version 6). Previous versions are available from us on request.

16. Contact us

If you have any questions, requests, objections or complaints, or if this policy does not answer your query, please contact support@apptico.com.

Apptico Ltd · company number 17317836 · registered office: 71–75 Shelton Street, Covent Garden, London WC2H 9JQ, United Kingdom.