Privacy Policy

Monovo is a trading name of Nursey Group Ltd, a company registered in England and Wales (company number 13007105). Registered office: 20 Alder Close, Ilchester, Yeovil, Somerset, BA22 8GS.

Nursey Group Ltd ("Monovo", "we") is the data controller for personal data processed through the Monovo app and website. ICO registration: pending. Contact our privacy team at support@monovo.co.uk or write to us at our registered office.

• Account details: name, email, and optionally mobile number, postcode and date of birth.
• Finances you enter: debts, bills, savings goals, budgets and categories.
• Optional tools: vehicle registration and expiry dates you save; bill scan usage counts. A bill photo is sent for AI reading only after you agree and is not saved in Monovo's database.
• Bank data (only if you connect a bank): account names, balances and transactions, received read-only through an FCA-authorised open banking provider.
• Technical data: basic device and usage information needed to keep the service secure and working.

• Contract: to provide the app and the features you choose.
• Consent: for bank connections and optional photo reading. Marketing emails are not sent through Monovo's app-email service.
• Legitimate interests: to keep the service secure and prevent fraud.
• Legal obligation: tax and accounting records for paid subscriptions.

Bank connections are read-only. Monovo can never move money. Consent lasts 90 days, after which you'll be asked to renew. You can revoke access at any time in Settings, and every consent is recorded with its date and version.

We never sell your data. Hosting and authentication are provided through Lovable Cloud; optional bank feeds use Plaid (currently test mode). AI features send the relevant money details or agreed photo for processing through Lovable's AI service. Payments are not activated yet. Household members see items you choose to share.

Calendar export is optional. Your calendar provider may store imported dates; names and vehicle registrations are omitted unless you choose to include them. Comparison links open external websites with their own privacy terms. Monovo does not append account details or bill amounts to these links. Commercial links are labelled before you open them.

We keep app records while your account is active. Account deletion removes your active app records, including saved vehicle reminders and scan counts; hosting backups may retain copies for their configured retention period. Calendar files you exported remain with you or your calendar provider until you delete them. Legally required billing records may need to be retained separately once payments launch.

Under UK GDPR you can access, correct, export, restrict, object to or erase your data. Export and delete are built into Settings; email us for anything else. We reply within one month. You can also complain to the Information Commissioner's Office at ico.org.uk.

We only use essential storage to keep you signed in and remember preferences. We do not use advertising or cross-site tracking cookies.

Where data is processed outside the UK, we rely on UK adequacy regulations or the International Data Transfer Agreement to keep it protected.