Cookie & Mobile Technologies Policy

This Cookie & Mobile Technologies Policy ("Policy") explains how MoniPilot™ ("MoniPilot", "we", "our", or "us") uses cookies, mobile technologies, software development kits ("SDKs"), local storage, advertising identifiers, and similar technologies when you use the MoniPilot mobile application, website, and related services.

This Policy should be read together with our:

• Privacy Policy
• Terms of Service
• End User License Agreement (EULA)
• Local Data Storage & Backup Policy
• Data Retention & Deletion Policy

This Policy applies to:

• MoniPilot Android applications
• MoniPilot iOS applications
• MoniPilot websites
• Web dashboards (if introduced)
• Customer portals
• Future MoniPilot web-based services

Because MoniPilot is primarily a mobile application, many technologies described in this Policy relate to mobile devices rather than traditional web browser cookies.

Cookies are small text files stored by your web browser when you visit a website.

Cookies may be used to:

• remember preferences;
• maintain login sessions;
• improve website functionality;
• analyze website traffic;
• personalize content;
• improve security.

Cookies are generally used only on MoniPilot websites and web-based services.

Unlike websites, mobile applications commonly use technologies such as:

• Secure local storage
• Device storage
• SDKs
• Mobile advertising identifiers
• Push notification tokens
• Authentication tokens
• Cached application data
• Encrypted application preferences

These technologies perform functions similar to cookies while supporting mobile applications.

Depending on your platform and app version, MoniPilot may use:

Authentication Technologies

• Secure login tokens
• Session identifiers
• Authentication cookies (website only)
• Refresh tokens
• API authentication credentials

Purpose:

• User authentication
• Session management
• Security

Application Storage

The application may securely store:

• User preferences
• Theme settings
• Language settings
• Notification preferences
• Application configuration
• Recently used features

This information is stored locally on your device.

Local Financial Database

MoniPilot primarily stores financial information within the application's local database on your device.

Examples include:

• Expenses
• Income
• Budgets
• Categories
• Reports
• Financial notes
• Warranty information
• Subscription records
• Money lent records
• Money borrowed records

This local database is not a browser cookie.

Certain technologies are necessary for MoniPilot to function properly.

Examples include:

• Login authentication
• Security verification
• Fraud prevention
• Subscription validation
• Session management
• Error handling
• Performance optimization

These technologies generally cannot be disabled without affecting core functionality.

MoniPilot may use analytics technologies to better understand how the Services are used.

Analytics may include information such as:

• Application version
• Device type
• Operating system version
• Screen usage
• Feature usage
• Session duration
• Crash reports
• Performance metrics

Analytics help us improve:

• Stability
• Performance
• User experience
• Bug fixes
• Feature development

Where required by applicable law, analytics collection will be subject to appropriate notice or consent.

The free version of MoniPilot may display advertisements.

Advertising technologies may include:

• Google AdMob SDK
• Advertising identifiers
• Ad request metadata
• Impression measurement
• Click measurement
• Fraud detection technologies

Advertising providers may collect information independently in accordance with their own privacy policies.

MoniPilot does not control the processing of information by third-party advertising providers.

Where supported by your device, platform, and applicable law:

• Users may be presented with options regarding personalized advertising.
• Consent for personalized advertising may be requested where legally required.
• Users may choose non-personalized advertising where available.

Availability of these options depends on your region, device, and applicable regulations.

If you enable notifications, MoniPilot may store a notification token assigned by your device platform.

Notification tokens are used solely to deliver notifications such as:

• Payment reminders
• Budget reminders
• Subscription reminders
• Security notifications
• Product announcements (where permitted)
• Service updates

You may disable notifications through your device settings.

Where you enable Google Drive backup, MoniPilot may store technical information required to:

• authenticate your Google account;
• create backup files;
• restore backup files;
• maintain backup preferences.

MoniPilot does not intentionally access unrelated files stored in your Google Drive account.

Where AI-powered features are available, MoniPilot may temporarily process prompts and related information necessary to generate AI responses.

AI processing is governed by the AI Usage & Disclaimer Policy and the Privacy Policy.

To protect users and the Services, MoniPilot may use technologies including:

• encrypted network communication (HTTPS/TLS);
• authentication tokens;
• secure session management;
• rate limiting;
• fraud detection;
• abuse prevention;
• device integrity verification where supported.

These technologies help maintain the security of the Services.

MoniPilot may incorporate third-party SDKs for purposes including:

• authentication;
• payment processing;
• advertising;
• analytics;
• crash reporting;
• notifications;
• cloud backup integration.

Each third-party provider operates under its own legal terms and privacy practices.

MoniPilot encourages users to review the privacy documentation of those providers.

Depending on your platform and region, you may be able to manage:

• advertising preferences;
• notification permissions;
• location permissions (if applicable);
• camera permissions (if future features require them);
• storage permissions;
• Google account permissions.

These settings may be available through:

• your device settings;
• the MoniPilot application settings;
• Google Play Services settings;
• Apple iOS settings.

MoniPilot is not directed toward children under the age required by applicable law to independently consent to data processing.

We do not knowingly use cookies or mobile technologies to intentionally profile children for advertising purposes.

If we become aware that personal information has been collected from a child in violation of applicable law, we will take appropriate steps to delete that information.

As MoniPilot evolves, additional technologies may be introduced, including:

• encrypted cloud synchronization;
• biometric authentication;
• receipt scanning;
• OCR technologies;
• financial institution integrations (where legally permitted);
• desktop synchronization;
• web applications;
• collaboration features.

This Policy may be updated to reflect such changes.

MoniPilot may revise this Policy from time to time to reflect:

• changes in technology;
• legal requirements;
• platform policies;
• security improvements;
• new application features.

Non-material changes become effective upon publication.

Where required by applicable law, MoniPilot will provide appropriate notice or obtain any required consent before material changes become effective.

MoniPilot Support

Email: hello@monipilot.com

Website: [https://www.monipilot.com]