At Montrai, we take your financial privacy seriously. This Privacy Policy describes how Montrai Inc. / j.a.t. Creativestudios ("we", "us", or "our") collects, uses, processes, and protects your information when you use our mobile and web applications.
1. Information We Collect and How We Use It
- Account Data: When you sign up via Email, Google Sign-In, or Sign In with Apple, we collect your email address and basic profile information to authenticate you and sync your data securely across devices via Google Firebase.
- Financial & Transactional Data: We store the transaction categories, amounts, dates, budgets, and savings goals you input. If you are an unregistered Free Tier user, this data remains entirely offline in your local device database (Hive). If registered, it is securely synced to Cloud Firestore.
- Collaborative Data: Data added to a "Shared Space" is accessible only to users who possess the unique alphanumeric Space ID.
2. Device Permissions & Advanced Data Processing
We utilize advanced features to streamline your financial logging. Here is exactly how your data is handled:
- Notification Access (Receipt Parsing): The app can optionally scan purchase receipts from payment or banking notification banners. This data is processed strictly locally on your device. The app filters for transactional keywords (e.g., "charged", "$"). Only the resulting merchant name and amount are extracted. Raw notification text is never uploaded, stored on our cloud servers, or shared with third parties.
- Microphone & Audio Data (Voice Logging): When you use voice transaction logging, audio snippets are transmitted via a secure proxy API to the Google Gemini API solely for temporary transcription and conversion into transaction fields. Audio files are transient and are not permanently stored on our servers or used for AI training model sets.
- Biometric Data (Face ID / Touch ID / Fingerprint): Biometric locking is handled entirely through your device's native operating system APIs (iOS/Android). Montrai never accesses, collects, or stores your raw biometric templates. We only receive a "success" or "failure" message from your device.
- File Access: Local file access is used strictly when you choose to import transaction logs (.xlsx, .csv, or Google Sheets). We do not scan background files.
3. Third-Party Services & Data Sharing
We do not sell your personal or financial data to third parties. We share data only with trusted service providers necessary to run the app:
- Google Firebase (Auth & Cloud Firestore): For secure user cloud database hosting and real-time syncing.
- Stripe: For processing web payments safely (we do not store your credit card information).
- Google Mobile Ads SDK: Used to serve banner advertisements to Free Tier users.
- Google Gemini API: Used anonymously as a parsing proxy tool for spreadsheet formatting, voice logging, and tailored financial tips.
4. Data Security and Isolation
We implement industry-standard Firebase security rules to ensure that your financial data is completely isolated. Users can only read and write their own data, and subcollections within Shared Spaces are exclusively accessible to verified, active members of that specific Space ID.
5. International Data Transfers & User Rights (GDPR / CCPA / PIPEDA)
Montrai is accessible globally. Depending on your location, you have rights regarding your personal data, including the right to access, correct, or request the deletion of your account and personal financial information. You can delete your cloud-synchronized data at any time through the in-app settings menu.
6. Changes to This Privacy Policy
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.
7. Contact Information
For questions regarding this Privacy Policy or data deletion requests, please contact:
Montrai Inc. / j.a.t. Creativestudios
Email: j.a.t.creativestudios@gmail.com
Web: montraipersonalfinance.com