Privacy Policy

1. Introduction

Welcome to Monea ("the App"), developed and operated by Believe PR, owned by Armando Jimenez. We are deeply committed to protecting your privacy.

Monea is a manifestation app using the Prosperity Game/Wallet method - a visualization tool for developing an abundance mindset. All virtual currency within the app is entirely fictional and intended for entertainment and manifestation purposes only. Monea is not a financial institution and does not handle real money.

2. Privacy-First Approach

Monea is built on a privacy-first foundation. We believe your manifestation practice and personal data should remain private. Unlike many apps, we:

• Store all data locally on your device by default
• Never upload your user data to our servers
• Don't require email or login
• Store your display name locally only

Important: If you delete the app, all your data will be permanently lost. We cannot recover it because we never had access to it.

3. Information We Collect

3.1 Information You Create

All of the following data is stored locally on your device and NOT transmitted to our servers:

• Deposit Entries: Virtual currency amounts and dates
• Purchase History: Catalog items bought with virtual currency
• Custom Display Name: Your chosen name within the app
• Deposit Settings: Mode, frequency, and amounts
• Collection Data: Owned items and card customizations
• Notification Preferences: Your reminder settings
• Achievement Progress: Milestones and badges earned

3.2 Information Automatically Collected

We may collect the following anonymous data to improve the app experience:

• Firebase Analytics: Anonymous usage analytics such as screen views and feature usage. No personally identifiable information is collected.
• Firebase Remote Config: Feature flags and app configuration. No personal data is collected.
• Firebase Crashlytics: Crash reports for stability improvements.

3.3 Information We Do NOT Collect

We explicitly do NOT collect or have access to:

• ❌ Your deposit amounts or financial data
• ❌ Purchase history or catalog choices
• ❌ Personal identification (name, email, etc.)
• ❌ Location data
• ❌ Health data
• ❌ Social media profiles or contacts
• ❌ Real financial or banking information

4. How We Use Your Information

4.1 App Functionality (On-Device)

Your data is used entirely on your device to:

• Display deposit history and balance
• Track purchased catalog items
• Generate prosperity analytics and charts
• Send deposit reminders
• Provide personalized dashboard insights

4.2 App Improvement

Anonymous data helps us:

• Fix bugs via anonymous crash reports
• Understand feature usage via anonymous analytics
• Optimize performance

Your content is NEVER used for analytics.

5. Data Storage & Security

All your personal data is stored on your device using:

• Database: Local SQLite/Drift database
• iOS: Secure app sandbox with iOS encryption
• Android: Internal app storage with Android security

• Data remains on your device indefinitely until you delete it
• Deleting the app removes all local data permanently

6. AI Concierge Feature

6.1 How It Works

Monea includes an AI-powered concierge chat feature:

• Powered by Google's Gemini AI (via Firebase AI)
• Conversations are sent to Google's servers for processing
• Used to provide personalized abundance guidance and suggestions

6.2 Privacy in AI Processing

Important privacy protections:

• Conversations are processed by Google Gemini but NOT stored long-term
• Not linked to your personal identity
• No conversation history is stored on our servers
• Subject to Google's AI privacy policies

6.3 Important Disclaimers

6.4 Opting Out

You can simply not use the concierge feature. The app functions fully without it.

7. Permissions

7.1 Required Permissions

Notifications

• Purpose: Deposit reminders
• Privacy: Notifications are generic and do not contain your deposit amounts

Local Storage

• Purpose: Save app data on your device

7.2 Optional Permissions

Photo Library Access

• Purpose: Card customization backgrounds
• What We Access: Only photos you explicitly select

7.3 Permissions We DON'T Request

Monea does NOT request:

• ❌ Location/GPS
• ❌ Contacts
• ❌ Calendar
• ❌ Health data
• ❌ Microphone
• ❌ Camera (beyond photo picker)
• ❌ Bluetooth

8. Subscriptions

8.1 Monea Luxury

We offer a premium subscription tier called Monea Luxury:

• Billing: Monthly or annual auto-renewable subscription
• Payment: Managed via RevenueCat + Apple App Store / Google Play Store
• Benefits: Unlimited features, premium analytics, all categories
• Cancellation: Cancel anytime in App Store or Play Store settings

8.2 Refund Policy

Refunds are handled through:

• Apple: reportaproblem.apple.com
• Google: Google Play refund page

Refund policies are subject to Apple and Google's terms.

9. Third-Party Services

Monea integrates the following third-party services:

9.1 Firebase Analytics

• Purpose: Anonymous usage data (screen views, feature usage)
• Data Collected: No personally identifiable information
• Privacy Policy: https://policies.google.com/privacy

9.2 Firebase Remote Config

• Purpose: Feature flags and app configuration
• Data Collected: No personal data
• Privacy Policy: https://policies.google.com/privacy

9.3 Firebase Crashlytics

• Purpose: Crash reports for stability improvements
• Data Collected: Device info, crash stack traces (NOT your personal content)
• Privacy Policy: https://policies.google.com/privacy

9.4 Firebase AI / Google Gemini

• Purpose: AI concierge processing
• Data Collected: Conversation content (processed, not stored long-term)
• Privacy Policy: https://policies.google.com/privacy

9.5 RevenueCat

• Purpose: Subscription management
• Data Collected: Purchase tokens, subscription status
• Privacy Policy: https://www.revenuecat.com/privacy

9.6 Apple App Store / Google Play Store

• Purpose: App distribution and subscription processing
• Data Collected: Purchase history, app downloads
• Privacy Policies: See Apple and Google policies above

No Advertising Services: Monea does NOT use Google AdMob or any other advertising service. There are no ads in the app.

10. Your Privacy Rights

10.1 GDPR Rights (European Union)

If you are in the EU, you have the following rights:

• Right to Access: Request information about data collected
• Right to Rectification: Correct inaccurate data
• Right to Erasure: Request deletion of your data
• Right to Data Portability: Receive your data in a portable format
• Right to Object: Object to data processing
• Right to Withdraw Consent: Withdraw consent at any time

10.2 CCPA Rights (California)

If you are in California, you have the following rights:

• Right to Know: Request details about collected data
• Right to Delete: Request deletion of personal information
• Right to Opt-Out: Opt out of data sale (we do not sell data)
• Right to Non-Discrimination: Equal service regardless of privacy choices

10.3 Exercising Your Rights

Since most data is stored locally on your device:

• Access: All your data is accessible within the app at any time
• Deletion: Delete your data in Settings
• Export: Export your data through the app

11. Children's Privacy

Monea is intended for a general audience aged 13 and older. We do not knowingly collect personal information from children under 13.

• Minimum age: 13 years old
• Parental supervision recommended for younger users

12. International Users

12.1 Data Transfers

Since all your personal data is stored locally on your device, there are no international data transfers of your deposit or purchase data.

However, AI concierge conversations are processed by Google's servers and are subject to Google's data transfer policies.

12.2 Regional Compliance

• European Union: GDPR compliant
• California: CCPA compliant
• Brazil: LGPD compliant
• Other Regions: We respect all applicable privacy laws

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect:

• New app features or functionality
• Changes in legal requirements
• Third-party service updates
• User feedback and privacy enhancements

13.1 Notification of Changes

When we make significant changes:

• The "Last Updated" date will be revised
• You will receive an in-app notification
• Changes will be highlighted in the policy
• Continued use constitutes acceptance

13.2 Review Regularly

We encourage you to review this Privacy Policy periodically. The most current version will always be available within the app and on our website.

14. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

Response Time

We will respond to your inquiry within:

• 30 days for general inquiries
• 72 hours for urgent privacy concerns
• As required by applicable law for rights requests

Complaints

If you believe we have not adequately addressed your privacy concerns, you have the right to lodge a complaint with your local data protection authority.