Privacy Policy

Effective date: August 10, 2026

monies is a personal finance service for Singapore. It runs as a Telegram bot (@sgmoniesbot) and a mini app at app.monies.sg. You send it your bank and card statements, and it shows you your spending and your runway.

This policy explains what information monies ("we", "our" or "us") collects, how we use it, and the choices you have. By using monies, you consent to the practices described here.

What we collect

  • Telegram profile. When you start the bot, we store your Telegram ID, username and first name. This is how monies knows which data is yours. There is no separate password or login.
  • Statements you send. Statement PDFs are read in memory to extract your transactions, then discarded. The files are never stored.
  • Transaction data. The transactions extracted from your statements (dates, descriptions, amounts) are stored in our database so the app can show your spending and runway.
  • Your settings. The categories, rules, savings figures and runway settings you create in the app.
  • Payment status. Payments are handled by Stripe. We store whether you have paid and Stripe reference IDs. Your card details go to Stripe directly and never reach us.
  • Logs. Error reports and basic request logs, used to keep the service running and to fix problems.

What we never do

  • We never ask for your bank login. monies only sees the statements you choose to send.
  • We never store your statement files.
  • We never sell, rent or trade your data.

How we use your information

We use your information only to:

  • provide the service: parse your statements, categorise transactions and calculate your runway,
  • process your payment and remember that you have paid,
  • answer your questions and fix problems,
  • understand how the service is used, so we can improve it.

Security

  • All data is encrypted in transit (HTTPS).
  • Every request to your data is verified against your Telegram account. Only you can see your transactions.
  • Our servers and database run with established cloud providers, with access limited to what the service needs.

Who we share data with

We do not sell your data. We share only what is needed to run the service, with:

  • Telegram, which delivers messages between you and the bot and is subject to Telegram's own privacy policy,
  • Stripe, which processes payments and is subject to Stripe's privacy policy,
  • error monitoring providers, which receive reports when something in our code fails (the error and where it happened, never your transactions),
  • analytics providers, which receive counts of what the service is used for (that a statement was uploaded or a report viewed, never amounts or transaction details),
  • cloud hosting providers, which run our servers and database.

Your rights

Under Singapore's Personal Data Protection Act (PDPA), you can:

  • ask what personal data we hold about you,
  • ask us to correct inaccurate information,
  • ask for a copy of your data,
  • ask us to delete your data.

Email hello@monies.sg from any address, and mention your Telegram username. We will respond within 30 days.

Data retention

  • Statement files: never stored.
  • Transaction data and settings: kept while you use monies, deleted when you ask us to delete your account.
  • Payment records: kept as long as the law requires us to keep them.

Changes to this policy

We may update this policy from time to time. The effective date at the top shows when it last changed. If a change is material, we will tell you through the bot.

Contact

Questions about this policy or our data practices: hello@monies.sg.