Moni - Personal Finance 1.1

Introducing Moni, an innovative approach to personal finance management designed to provide a structured and secure way to oversee your expenses.

After extensive experience managing finances through spreadsheets, I recognized the need for a comprehensive solution that streamlines the process. Moni was developed to address this gap, offering a more efficient and insightful financial tool.

Moni is built upon three core principles:

• Automated Data Integration Regulated by the Central Bank

The first pillar emphasizes automating the data collection process. To respect users’ time and minimize manual effort, Moni utilizes Open Finance technology—an initiative by the Central Bank of Brazil—which facilitates direct, secure connections with major banks across the country.

These integrations adhere to stringent security protocols and are fully regulated by the Central Bank. Currently, Moni supports secure connections with over 20 banks. Please note that continuous access requires an active subscription.

• Effective Budgeting and Expense Management

The second focus is on budgeting—setting predefined spending limits for various categories. Moni stands out through its intelligent analysis capabilities, helping users understand their average spending patterns and establish realistic budgets tailored to their habits.

To utilize these features fully, an active subscription is necessary, enabling comprehensive tracking and management of your financial activities.

• Data Privacy and User Autonomy

The third fundamental is unwavering commitment to data privacy. Moni does not sell or share user data with any third parties. Its development has been self-funded from inception, prioritizing user trust and independence without reliance on venture capital investments.

This paid service model ensures sustained development and aligns the product's success with customer satisfaction. Users retain full control over their data, reinforcing the principle that privacy is paramount.

As the adage reminds us: "There’s no such thing as a free lunch." Usage of Moni mandates an active subscription, ensuring ongoing support and improvement of the platform.

Disclaimer: Access to all functionalities requires an active subscription.

Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula