Mono Privacy Policy
Last updated: 4 November, 2026
Mono (“we”, “our”, or “us”) respects your privacy. This Privacy Policy explains how information is handled when you use the Mono app.
1. Overview
Mono is designed to help you track your income, expenses, accounts, and budgets.
We do not require account registration and we do not intentionally collect personal data. Mono has no servers of its own for your data, and it does not include analytics, advertising, or crash-reporting tools.
2. Information We Access
To provide core features, Mono works with the following information:
Financial data you enter
Accounts, account groups, categories, transactions (amount, currency, date, note, repeat schedule), and budgets
Used only to show your balances, totals, and charts inside the app
Stored in the app and, if iCloud is available, in your personal iCloud account (see “Data Storage”)
Photos (optional)
If you choose a photo as the icon of an account, category, or budget, Mono receives only the photo you pick through the system photo picker
Mono stores a small resized copy of that photo with the item
Mono does not ask for access to your whole photo library and does not use the camera
Text for AI transaction entry (Mono Pro)
If you use AI mode, or the “Log Transaction from Text” Shortcuts action, Mono reads the message you type and fills in the amount, account, category, and date
Mono first uses rules and your own history on your device
When something is left open, Mono asks Apple’s on-device language model. On devices and systems where Apple’s Private Cloud Compute is available, Mono may ask that model instead, and falls back to the on-device model if it is unavailable
When Private Cloud Compute is used, Mono sends Apple the message you typed, today’s date, the names of your accounts and account groups with their currencies, your category names, the amounts found in the message, and up to five similar notes from your past transactions with their category and account names
This request goes to Apple, not to us. We do not receive or store it. Apple’s own terms and privacy documentation apply to it
Exchange rates and fund prices
Mono downloads shared exchange rates and fund price data from a public CloudKit database that we publish
This data is the same for everyone. Mono does not send your accounts, transactions, or balances with the request
Like any internet request, it is handled by Apple’s CloudKit service, which may process technical information such as your IP address under Apple’s policies
Notifications, location, contacts, microphone, and tracking
Mono does not ask for access to your location, contacts, microphone, camera, or speech
Mono does not show notifications and does not ask for notification permission. It uses Apple’s silent background updates only so that iCloud sync can run
Mono does not track you across other companies’ apps or websites
3. Data Storage
Your data, including:
Accounts and account groups
Categories
Transactions
Budgets
Icons you chose from your photos
App settings (such as theme, main currency, and display options)
is stored locally on your device.
If you are signed in to iCloud, your accounts, groups, categories, transactions, and budgets are also stored in your personal iCloud account (CloudKit private database) and synced across your devices using Apple’s iCloud services. Your main currency choice is also synced through iCloud. If iCloud cannot be used, Mono keeps your data on your device only.
We do not have access to your iCloud data and do not store your personal content on our own servers.
Deleting your data
To delete your data, open Settings → Data Management → Clear All Data. This deletes every account, group, category, transaction, and budget, here and on your other devices signed in to the same iCloud account, and resets Mono to its welcome screen
Deleting the Mono app removes the data stored on that device. Data in your iCloud account stays until you remove it in iOS Settings → [your name] → iCloud → Manage Storage.
Exchange rates already downloaded and your main currency setting are not part of Clear All Data.
You can also export your transactions as a CSV file from Settings → Data Management → Import & Export. Mono writes the file only where you choose, and reads an import file only when you pick it
4. Data Sharing
We do not sell, share, or transfer your data to third parties.
Mono contains no advertising, analytics, or tracking tools, and no third-party code libraries.
5. Third-Party Services
Mono uses Apple-provided services to operate properly:
iCloud and CloudKit, to sync your data and to download exchange rates and fund prices
StoreKit and the App Store, for Mono Pro purchases and Restore Purchases. Payments are handled entirely by Apple; we do not see or store your payment details. Mono checks your Pro status with Apple on your device
Apple’s on-device language model and Private Cloud Compute, for AI transaction entry (see “Information We Access”)
The system photo picker and file picker, for icons and CSV import/export
Apple’s TestFlight, if you use a test version. Apple provides us the information Apple collects for TestFlight, such as installs, sessions, crashes, and feedback you choose to send.
Feedback form
“Feedback & Bug Reports” in Settings opens a form hosted by Tally in an in-app browser. Anything you choose to submit there goes to us through Tally and is handled under Tally’s privacy policy. Mono does not send any of your Mono data to this form
These services are governed by Apple’s and Tally’s own privacy policies.
6. Security
Since your data is stored locally on your device and in your personal iCloud account, its security depends on your device’s and Apple ID’s own protections (e.g., passcode, Face ID, two-factor authentication).
Mono keeps diagnostic messages about problems on your device only, and they do not include what you typed. An optional Performance Log in Settings is off by default; it stays in the app until you copy it yourself.
7. Children’s Privacy
Mono does not knowingly collect personal data from children.
8. Changes to This Policy
We may update this Privacy Policy from time to time. Any changes will be reflected on this page.
9. Contact
If you have any questions about this Privacy Policy, you can contact us at: