Privacy Policy
Last Updated: November 27, 2025
Operated by: EvergreeneSoftware LTD
Contact: hello@evergreenesoftware.com
1. Introduction
Phinmon is a personal finance tracking application that helps users connect their bank accounts and get AI-powered insights into their spending.
Your privacy is important to us, and we follow the Nigerian Data Protection Regulation (NDPR) and global best practices.
By using Phinmon, you agree to the practices described in this Privacy Policy.
2. Information We Collect
A. Information you provide
- Name
- Email address
- Phone number
B. Information we collect through Mono
When you connect your bank account, we receive financial information such as:
- Transaction history
- Account name and number
- Financial balances
We do not store your bank login credentials.
C. Automatically collected information
- Device type
- Usage logs
- App interaction data
3. How We Use Your Information
We use your data to:
- Provide personal finance tracking
- Generate AI insights and analytics
- Improve app performance
- Communicate updates and support messages
- Protect against fraud or misuse
We never sell your personal data.
4. Legal Basis for Processing
We process your information based on:
- Your consent
- Our legitimate interest in providing the Phinmon service
- Compliance with applicable law
- Contractual necessity (providing the service you requested)
5. How We Share Your Data
A. Third-party service providers
We currently share necessary data with:
Mono Technologies – for bank connection and financial data retrieval.
Mono only receives the information required to link your bank account securely.
B. Regulators or law enforcement
We may share data if required by law or to protect our legal rights.
We do not share your information with advertisers or sell it to third parties.
6. Data Security
We use industry-standard security measures including encryption, access controls, and secure hosting.
However, no system is 100% secure. We take reasonable steps to protect your data but cannot guarantee absolute security.
7. Data Retention
We keep your personal data only as long as necessary to provide our service or as required by law.
You may request deletion at any time.
8. Your Rights (NDPR)
Under the NDPR, you have the right to:
- Access your data
- Correct inaccurate data
- Request deletion
- Withdraw consent
- Object to certain processing
- Request data portability
To exercise these rights: hello@evergreenesoftware.com
9. Children's Privacy
Phinmon is not intended for users under 18.
10. Changes to This Policy
We may update this Privacy Policy from time to time. When we do, we will update the “Last Updated” date.