Legal
Effective date: July 13, 2026 · Last updated: July 13, 2026
Monyvo ("Monyvo," "we," "us," or "our") provides a website, mobile application, and related services (collectively, the "Services") that help business owners understand and improve their business health, including the Business Health Check, the Monyvo app, and the Business Intelligence Library. This Privacy Policy explains what information we collect, how we use and share it, and the choices and rights available to you.
By using the Services, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with this policy, please do not use the Services.
Information you provide directly. This includes your name and email address when you join the app waitlist or contact us; the responses you submit when completing the Business Health Check (which may include business, operational, and financial details such as revenue, expenses, pricing, staffing, and cash flow information); and any message content you send us through the Contact page.
Information collected automatically. When you use our website or app, we automatically collect certain technical information, including device type and identifiers, operating system, IP address, browser type, app version, general location (derived from IP address), and usage data such as pages viewed, features used, session duration, and crash/diagnostic logs.
Information from the app. If you download and use the Monyvo app, we may collect account information you create (such as email and password, or sign-in via a third-party provider), the business data you enter into the app to receive insights and recommendations, notification preferences, and, where you have granted permission, limited device permissions (such as camera or photo library access for document/receipt uploads, or notification permissions) — each of which you can manage in your device settings at any time.
Cookies and similar technologies. Our website uses cookies and similar technologies to keep the site functioning properly, remember your preferences, and understand how visitors use the site. See Section 8 (Cookies and Tracking Technologies) for more detail.
We do not knowingly collect sensitive categories of personal data (such as government ID numbers, health information, or biometric data) unless you voluntarily provide it, and we ask that you avoid submitting such information through free-text fields like the Contact form or Business Health Check responses.
We use the information we collect to:
We do not sell your personal information, and we do not use your Business Health Check financial data to sell you third-party financial products without your explicit consent.
We do not sell your personal information. We share information only in the following circumstances:
Service providers. We use third-party vendors to operate the Services, including Firebase/Google Cloud Platform (for waitlist and account data storage, authentication, and app infrastructure) and hosting/analytics providers for the website. These providers process data on our behalf and are contractually restricted from using it for their own purposes.
Legal and safety reasons. We may disclose information if required by law, regulation, legal process, or governmental request, or where we believe disclosure is necessary to protect the rights, property, or safety of Monyvo, our users, or the public.
Business transfers. If Monyvo is involved in a merger, acquisition, financing, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change in ownership or control of your personal information.
With your consent. We may share information with third parties when you have given us explicit consent to do so.
We do not share your individual Business Health Check responses with other users or the public. Aggregated or de-identified data that cannot reasonably be used to identify you may be used for analytics, research, or product improvement.
We retain personal information for as long as necessary to provide the Services, comply with our legal obligations, resolve disputes, and enforce our agreements. Waitlist and contact-form submissions are generally retained for as long as needed to respond to your inquiry or until you request deletion. Account and Business Health Check data are retained for as long as your account remains active, plus a limited period afterward for backup, legal, and audit purposes, after which the data is deleted or anonymized.
Depending on where you live, you may have some or all of the following rights regarding your personal information:
Account and data deletion. You can request deletion of your account and associated data at any time by contacting us through our Contact page, or, once available, directly within the app's account settings. We will process deletion requests within a reasonable time, except where we are required to retain certain information for legal, security, or fraud-prevention purposes.
To exercise any of these rights, contact us using the details in Section 12. We may need to verify your identity before fulfilling a request.
If you are a California resident, you have the right to know what personal information we collect, to request deletion of that information, to correct inaccurate information, and to opt out of the "sale" or "sharing" of personal information — noting again that Monyvo does not sell your personal information. You will not receive discriminatory treatment for exercising these rights.
If you are located in the EEA, UK, or another jurisdiction with similar data protection laws, our legal bases for processing your information include: performance of a contract (providing the Services you request), your consent, our legitimate interests (such as improving and securing the Services), and compliance with legal obligations. You have the right to lodge a complaint with your local data protection authority.
Where applicable data protection laws in your jurisdiction — such as Nigeria's Data Protection Act (NDPA), Kenya's Data Protection Act, or South Africa's Protection of Personal Information Act (POPIA) — grant additional or different rights, we will honor those rights to the extent required by law. Contact us using the details in Section 12 to make a request.
The Services are intended for business owners and are not directed to, and should not be used by, anyone under the age of 18 (or the age of majority in your jurisdiction). We do not knowingly collect personal information from children. If we learn that we have collected personal information from a child without appropriate consent, we will delete it promptly. If you believe a child has provided us with personal information, please contact us using the details in Section 12.
We implement reasonable administrative, technical, and physical safeguards designed to protect your information from unauthorized access, alteration, disclosure, or destruction, including encrypted data transmission and access controls on our backend infrastructure. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security. You are responsible for keeping your account credentials confidential.
We use cookies and similar technologies (such as local storage and analytics scripts) to operate the website, remember preferences, and understand aggregate usage patterns. You can control cookies through your browser settings, including blocking or deleting them, though doing so may affect the functionality of the website. We do not currently respond to browser "Do Not Track" signals, as there is no common industry standard for how to interpret them.
Monyvo and its service providers (including Firebase/Google Cloud) may process and store information in countries other than the one in which you reside, including the United States. Where required by applicable law, we take steps to ensure that such transfers are subject to appropriate safeguards.
The website and app may contain links to third-party websites, app stores, or services that are not operated by us. We are not responsible for the privacy practices of those third parties, and we encourage you to review their privacy policies before providing any information to them.
We may update this Privacy Policy from time to time to reflect changes in our practices or for legal, operational, or regulatory reasons. We will post the updated policy on this page with a revised "Last updated" date, and, for material changes, we will provide additional notice where required by law (such as via email or an in-app notice).
If you have questions, concerns, or requests regarding this Privacy Policy or your personal information, please reach out through our Contact page:
Contact us