Privacy Policy for Munim
Effective Date: October 26, 2026
Last Updated: October 26, 2026
1. Introduction
Welcome to Munim, a personal finance and expense management application that helps you track income, expenses, balances, transactions, categories, and spending reports.
Your privacy is important to us. This Privacy Policy explains how Munim handles information when you use our mobile application.
By using Munim, you acknowledge this Privacy Policy.
2. Information We Handle
Depending on the features you use, Munim may process the following information:
Financial and Transaction Information
- Income and expense amounts.
- Transaction dates and times.
- Expense and income categories.
- Notes and tags added to transactions.
- Balance summaries, reports, and spending breakdowns.
Receipt Information
If you use the receipt scanning feature, images of receipts and information extracted from them may be processed to help you record expenses.
Categories and Preferences
The app may store your custom categories, item prices, and app preferences to provide its functionality.
We do not ask you to provide banking passwords, payment card PINs, or online banking credentials to use the core expense tracking features.
3. Offline Functionality and Data Storage
Munim is designed to support offline expense management.
Financial information you enter may be stored locally on your device so that you can manage your finances without an internet connection.
The availability of offline functionality does not necessarily mean that every app feature operates without internet access. Features that depend on external services, if any, may require connectivity.
Please keep your device secure and maintain appropriate backups of important financial records. Uninstalling the application or clearing its data may result in the loss of locally stored information.
4. SMS and Banking Information
Munim’s iOS version does not use SMS transaction importing as a feature.
We do not access your SMS messages through Munim’s iOS version for automatic transaction tracking.
You can manually enter your income and expenses to maintain your financial records.
5. How We Use Information
Information handled by Munim may be used to:
- Record and organize your income and expenses.
- Calculate balances and spending summaries.
- Generate reports and expense breakdowns.
- Manage categories, item prices, notes, and tags.
- Support receipt scanning and expense entry.
- Maintain app functionality, reliability, and security.
We do not sell your personal financial records to third parties.
6. Sharing and Disclosure
Your financial information is not intentionally shared with third parties for their independent marketing purposes.
Information may be disclosed where necessary to comply with applicable law, respond to valid legal requests, protect rights and security, or support a service provider that processes information on our behalf, where applicable.
If the app uses analytics, crash reporting, cloud services, or other third-party integrations, those services may process limited technical or usage information according to their respective privacy policies.
7. Internet Connectivity and Third-Party Services
Core offline functionality is designed to work without a continuous internet connection.
Some app features or technical services may use an internet connection. Any applicable third-party processing depends on the services enabled in the version of Munim you use.
We encourage users to review the privacy policies of relevant third-party services where applicable.
8. Data Security
We take reasonable steps to protect information handled by the application. However, no method of electronic storage or transmission can be guaranteed to be completely secure.
You are responsible for maintaining appropriate security on your device, including a device passcode and operating system updates.
9. Data Retention and Deletion
Financial records stored locally remain on your device until they are deleted by you, removed through app functionality, or otherwise erased from the device.
You may delete individual records using available app features, where supported. Uninstalling the app may remove locally stored data.
Any information processed by external services, if applicable, may be retained according to the relevant service’s policies and retention practices.
10. Children’s Privacy
Munim is a general personal finance application and is not specifically designed to collect personal information from children.
If you believe that a child has provided personal information to us in a manner that violates applicable law, please contact us so that we can review the matter.
11. Your Privacy Rights
Depending on your location and applicable law, you may have rights to request access to, correction of, or deletion of personal information associated with you.
Where information is stored locally on your device, you can manage it using the available app features and device settings.
To submit a privacy-related request, contact us using the details below.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in the application, our practices, or applicable legal requirements.
The revised policy will be published on this page with an updated revision date. We encourage you to review it periodically.
13. Contact Us
For questions, concerns, or requests regarding this Privacy Policy, contact:
App Name: Munim
Developer: [Your Developer or Company Name]
Email: [Your Support Email Address]
Website: [Your Website URL]
This Privacy Policy applies to the Munim mobile application and its associated features, subject to the actual functionality and services included in the version you use.