Terms of Use and Privacy Notice

These Terms and Privacy Notice govern your use of Montraq, including account registration, expense tracking, budgeting, and connected features available in the app.

If you do not agree with these terms, do not create an account or use the service.

We collect data needed to provide and secure the service, including:

• Account data such as name, email address, authentication credentials, and profile settings.
• Financial data you create in the app, including expenses, categories, budgets, and related notes.
• Technical data such as device model, operating system, app version, and diagnostic logs.

Montraq uses your data to:

• Create and manage your account.
• Deliver core app functionality such as tracking, summaries, and reporting.
• Maintain platform security, prevent abuse, and detect fraud.
• Improve product quality, reliability, and user experience.

When required by law, we rely on your consent to process certain personal data.

We may also process data when necessary to perform our contract with you, comply with legal obligations, and protect legitimate business interests such as service security and product integrity.

We do not sell your personal data. We may share data with trusted vendors who process information on our behalf for hosting, analytics, customer support, and infrastructure security.

All third-party processing is limited by contractual and confidentiality obligations consistent with applicable privacy laws.

We retain personal data for as long as your account is active and as needed to provide the service.

After account closure, we may retain limited data for legal compliance, dispute resolution, fraud prevention, and audit requirements for a reasonable period.

We use administrative, technical, and organizational safeguards designed to protect your information against unauthorized access, loss, misuse, or disclosure.

No method of transmission or storage is completely secure, but we continuously improve safeguards and monitoring practices.

Depending on your jurisdiction, you may have rights to:

• Access, update, or correct your personal data.
• Request deletion of your account and associated information.
• Object to or restrict specific processing activities.
• Request a portable copy of your data where applicable.

If data is transferred across borders, we apply contractual and technical protections designed to ensure an adequate level of privacy and security.

Montraq is not directed to children under 13, and we do not knowingly collect personal data from children under 13.

If we learn that such data has been collected, we will take reasonable steps to delete it.

We may update these Terms and Privacy Notice as our services, legal obligations, or security practices evolve.

Material updates will be communicated in-app or through other reasonable channels.

For privacy questions or requests, contact us at officeace24@gmail.com.

For account support, contact officeace24@gmail.com.