MONILENS PRIVACY POLICY

Last Updated: August 2026

Effective Date: August 2026

1. INTRODUCTION

Welcome to MoniLens ("MoniLens", "we", "our", or "us").

MoniLens is a personal and business financial management application designed to help users record, organise, understand and manage their financial information.

Depending on the features you choose to use, MoniLens may process relevant financial transaction alerts received by SMS, authorised financial emails, uploaded bank statements and other financial records that you voluntarily provide.

We respect your privacy and are committed to protecting your personal and financial information.

This Privacy Policy explains:

What information MoniLens accesses and collects;

Why we collect and use that information;

How we store and protect it;

When information may be shared;

How long we retain information;

Your rights and choices; and

How you can request deletion of your account and data.

By using MoniLens, you acknowledge that you have read and understood this Privacy Policy.

If you do not agree with this Privacy Policy, please do not use MoniLens.

2. WHO WE ARE

MoniLens is operated by:

Legal Entity: AVEGIO TECH LIMITED

Product Name: MoniLens

Privacy Contact: support@mymonilens.com

Website: https://mymonilens.com

The legal entity identified above is responsible for determining how your personal information is processed in connection with MoniLens, subject to applicable data protection laws.

3. INFORMATION WE COLLECT

The information we collect depends on the MoniLens features you choose to use.

We aim to collect only information reasonably necessary to provide, secure and improve the services you request.

3.1 Account Information

When you create a MoniLens account, we may collect:

Name;

Email address;

Phone number, where provided;

Account ID;

Authentication information;

Subscription information;

Account preferences; and

Other information necessary to maintain and secure your account.

Where biometric sign-in is available, biometric authentication is handled by your device's operating system or secure hardware. MoniLens does not intentionally collect or store your fingerprint, face scan or other raw biometric information.

4. SMS AND FINANCIAL TRANSACTION DATA

4.1 Why MoniLens Requests SMS Access

SMS access is an important part of MoniLens' automatic transaction-tracking functionality.

With your permission, MoniLens may access relevant SMS messages to identify financial transaction alerts and automatically record those transactions in your MoniLens account.

This functionality is intended to help you:

Automatically record transactions;

Track income and expenses;

Categorise transactions;

View transaction history;

Understand spending patterns; and

Generate financial summaries and insights.

SMS access is used solely to provide MoniLens' financial-management functionality.

Google Play treats SMS and financial information as personal and sensitive user data and requires access to be limited to permitted, core functionality. MoniLens therefore does not use SMS access for unrelated purposes.

4.2 What SMS Information We Process

Where you grant SMS permission, MoniLens may process information contained in relevant financial transaction alerts, including:

Transaction amount;

Transaction date and time;

Transaction description or narration;

Merchant or counterparty information;

Financial institution information;

Transaction type;

Account information contained in the alert; and

Other information reasonably necessary to identify and record the transaction.

The information processed may vary depending on the format and contents of the financial institution's SMS alerts.

4.3 What MoniLens Does Not Use SMS Data For

MoniLens does not use SMS access to:

Read or monitor personal conversations for unrelated purposes;

Build a database of personal conversations;

Sell SMS data;

Sell financial transaction data;

Serve advertising based on SMS content;

Provide targeted advertising based on SMS content;

Perform unrelated behavioural profiling;

Share personal SMS history with advertisers; or

Obtain banking passwords, PINs or authentication credentials.

Google Play's SMS policy specifically prohibits using SMS data obtained through the permission for unrelated purposes and prohibits exfiltration or sharing of non-financial or personal SMS history by budgeting applications.

4.4 Personal and Non-Financial SMS

MoniLens is designed to identify and process relevant financial transaction alerts rather than personal conversations.

Our transaction-processing system is intended to extract only information necessary for the financial-management functionality.

We do not intentionally use unrelated personal SMS messages as part of MoniLens' financial-management services.

Where technical processing temporarily accesses message content in order to determine whether a message is a relevant financial alert, that processing is limited to the purpose of identifying relevant transaction information.

We do not use unrelated personal SMS content for advertising, profiling or any other unrelated purpose.

4.5 SMS Permission Is Optional

You are not required to grant SMS access simply to use MoniLens.

However, if you do not grant SMS permission, features that depend on automatic SMS transaction tracking will not function.

You may revoke SMS permission at any time through your Android device settings, subject to the functionality of the Android operating system.

5. IMPORTANT SMS DISCLOSURE

Before MoniLens requests SMS permission, the App will provide a clear disclosure explaining why the permission is required and how it will be used.

The disclosure will be presented before the Android permission request and will require an affirmative user action.

The disclosure will explain that:

MoniLens uses SMS access to identify relevant financial transaction alerts and automatically record and categorise your transactions. SMS access is used for MoniLens' automated financial-management features and not for advertising or unrelated purposes. You can continue using MoniLens without granting SMS access, but automatic SMS transaction tracking will not work.

The user may then choose whether to grant the permission.

Google requires prominent disclosure and affirmative consent where access to personal or sensitive information may not be reasonably expected by the user. The disclosure does not replace this Privacy Policy or the Google Play Data Safety disclosures.

6. EMAIL AND FINANCIAL EMAIL INTEGRATIONS

Where MoniLens provides an email integration and you choose to enable it, MoniLens may process relevant financial transaction emails to provide transaction-tracking functionality.

Depending on the integration, this may include:

Sender information;

Transaction amount;

Transaction date and time;

Merchant or counterparty information;

Transaction description;

Financial institution information; and

Other information contained in relevant financial transaction alerts.

MoniLens will use the email access only for the authorised financial-management functionality.

We do not intentionally use unrelated personal emails for advertising or unrelated profiling.

You may disconnect an authorised email integration at any time.

The exact information accessed will depend on the email provider, permissions and integration available when the feature is used.

7. UPLOADED STATEMENTS AND FINANCIAL DOCUMENTS

MoniLens may allow you to upload financial information, including:

PDF bank statements;

Excel files;

CSV files;

Receipts;

Invoices;

Financial records; and

Other documents that you voluntarily provide.

We process these documents to provide features such as transaction extraction, record keeping, categorisation, financial summaries and other functionality you request.

You should not upload information belonging to another person or organisation unless you have the legal right or appropriate authority to do so.

8. INFORMATION YOU ENTER YOURSELF

You may voluntarily provide information such as:

Income;

Expenses;

Budgets;

Savings goals;

Business transactions;

Transaction categories;

Notes;

Customer or supplier information;

Invoice information;

Financial records; and

Other information you choose to store in MoniLens.

9. DEVICE AND TECHNICAL INFORMATION

We may collect limited technical information necessary to operate, secure and improve MoniLens, including:

Device model;

Operating system and version;

MoniLens application version;

Device configuration information;

IP address;

Network information;

Error and crash information;

Security logs; and

Basic application usage information.

We use this information primarily for security, troubleshooting, reliability and application improvement.

We do not intentionally use persistent device identifiers to create advertising profiles.

10. PAYMENT AND SUBSCRIPTION INFORMATION

If you subscribe to a paid MoniLens plan, payments may be processed through third-party payment providers.

Where a payment provider processes your card or payment credentials, MoniLens does not intentionally store your complete card credentials unless specifically disclosed to you.

Payment providers may process payment information according to their own privacy policies and terms.

11. HOW WE USE YOUR INFORMATION

We may use information collected through MoniLens to:

Create and manage your account;

Record financial transactions;

Categorise income and expenses;

Process financial statements and uploaded documents;

Provide financial summaries and insights;

Provide budgeting and financial-management functionality;

Provide business financial-management functionality where available;

Improve transaction categorisation and application functionality;

Provide customer support;

Maintain application security;

Detect and prevent fraud, abuse and security incidents;

Process subscriptions and payments;

Send service-related notifications;

Maintain and improve application performance;

Comply with applicable legal obligations; and

Protect our users, systems, rights and property.

We do not sell your personal or financial information.

12. NO ADVERTISING USE OF FINANCIAL OR SMS DATA

MoniLens does not sell personal or financial information.

We do not use SMS data or financial transaction data obtained through MoniLens to:

Sell advertising;

Build advertising profiles;

Serve personalised advertisements based on your financial transactions;

Sell financial profiles to third parties; or

Conduct unrelated behavioural profiling.

Personal and sensitive user data obtained through the App is limited to purposes reasonably necessary for the App's functionality and other purposes permitted by Google Play policy and applicable law.

13. LEGAL BASIS FOR PROCESSING

Depending on the processing activity and applicable law, MoniLens may process personal information on the basis of:

Your consent;

The performance of a service you have requested;

Compliance with a legal obligation;

Legitimate interests where permitted by law;

Protection of vital interests where applicable; or

Another lawful basis recognised under applicable data protection law.

Where processing is based on consent, you may withdraw that consent.

Withdrawal of consent does not affect processing that was lawfully carried out before the withdrawal.

14. FINANCIAL INFORMATION

MoniLens may process financial information such as:

Income;

Expenses;

Transaction history;

Account information;

Purchase history;

Debts or obligations entered into the App;

Business financial records;

Bank statement information; and

Other financial information you provide or authorise us to access.

We treat financial information as confidential and apply appropriate safeguards to protect it.

However, no electronic system can be guaranteed to be completely secure.

15. HOW YOUR DATA IS STORED

Depending on the feature you use, your information may be stored:

On Your Device

Certain information may be stored locally on your Android device.

On MoniLens Servers

If you create an account or use cloud-enabled features, information may be securely transmitted to and stored on our servers or approved cloud infrastructure providers.

Third-Party Infrastructure

MoniLens may use third-party technology providers for services such as:

Authentication;

Cloud database hosting;

Cloud storage;

Payment processing;

Security;

Error monitoring;

Analytics;

Communication;

Document processing; and

Other technical infrastructure necessary to operate MoniLens.

Only services reasonably necessary for the relevant functionality will be used.

16. THIRD-PARTY SERVICE PROVIDERS

MoniLens may use trusted third-party service providers to operate and support the App.

These may include providers for:

Authentication;

Database hosting;

Cloud infrastructure;

Payment processing;

Email services;

Security;

Analytics and application monitoring;

Document processing; and

Other technical services.

For example, MoniLens may use Supabase for authentication and cloud database services.

Third-party providers may process personal information on our behalf only to the extent reasonably necessary to provide their services, subject to applicable contractual and legal requirements.

The actual third-party services used by MoniLens may change as the App develops. Our Privacy Policy and Google Play Data Safety disclosures will be updated where required to reflect material changes.

17. WHEN WE MAY SHARE YOUR INFORMATION

We do not sell your personal or financial information.

We may share or provide access to information in the following circumstances:

17.1 Service Providers

With third-party providers that help us operate MoniLens, where access is reasonably necessary for their services.

17.2 Legal Requirements

Where disclosure is required by applicable law, court order, lawful government request or regulatory requirement.

17.3 Security and Fraud Prevention

Where reasonably necessary to investigate or prevent fraud, abuse, security incidents or unlawful activity.

17.4 Protection of Rights

Where reasonably necessary to protect MoniLens, our users, our property, systems or legal rights.

17.5 Corporate Transactions

If MoniLens is involved in a merger, acquisition, investment, restructuring, financing, sale of assets or similar corporate transaction, information may be transferred as reasonably necessary for that transaction, subject to applicable privacy requirements.

We do not share financial or SMS information with third parties for advertising or unrelated purposes.

18. INTERNATIONAL DATA TRANSFERS

Some service providers used by MoniLens may process information outside Nigeria.

Where personal information is transferred internationally, we will take reasonable steps to ensure that the transfer is handled in accordance with applicable data protection requirements.

Appropriate contractual, technical or other safeguards may be used where required.

19. DATA SECURITY

We use reasonable technical and organisational measures designed to protect personal and financial information against unauthorised access, loss, misuse, alteration or disclosure.

These measures may include:

Encryption during transmission;

Secure authentication;

Access controls;

Secure storage;

Permission controls;

Security monitoring;

Application security measures;

Regular software updates; and

Restricted access to personal information.

Data transmitted between the App and our servers will use appropriate secure communication protocols such as HTTPS/TLS where applicable.

Google Play requires developers handling personal and sensitive information to handle that information securely, including using modern cryptography for data in transit.

Despite these measures, no digital system or method of transmission can be guaranteed to be completely secure.

To the maximum extent permitted by applicable law, MoniLens is not responsible for security incidents caused by circumstances beyond our reasonable control, including compromised devices, compromised user credentials, telecommunications failures, malicious attacks or failures of third-party infrastructure.

20. DATA RETENTION

We retain personal information only for as long as reasonably necessary to:

Provide MoniLens services;

Maintain your account;

Provide requested functionality;

Meet legal or regulatory obligations;

Resolve disputes;

Prevent fraud and abuse;

Maintain security records;

Protect legitimate business interests.

When information is no longer reasonably required, we may delete, anonymise or securely dispose of it.

Some information may temporarily remain in encrypted backups before those backups are automatically overwritten or deleted.

21. ACCOUNT DELETION

If you create a MoniLens account, you can request deletion of your account and associated personal information.

In the App

You may request deletion through:

Settings → Delete Account

Through Our Website

We will also provide an external account-deletion webpage at:

https://mymonilens.com/delete-account

The external deletion process will allow users to submit a request without having to reinstall or access the App.

Upon a valid account-deletion request, we will delete the account and associated personal information within a reasonable period, subject to information that we are legally required or permitted to retain.

Information may be retained where necessary for:

Compliance with legal obligations;

Fraud prevention;

Security purposes;

Dispute resolution;

Enforcement of legal rights; or

Other lawful purposes.

Google Play requires apps that allow account creation to provide both an in-app deletion pathway and an external web-based deletion mechanism.

22. REVOCATION OF PERMISSIONS

You can revoke permissions granted to MoniLens through your Android device settings.

For example, you may revoke:

SMS permission;

Notification permission; or

Other device permissions granted to MoniLens.

Revoking a permission may prevent the corresponding MoniLens feature from functioning.

Revoking a device permission does not automatically delete information that was previously stored in your MoniLens account. To request account and data deletion, use the deletion process described above.

23. AUTOMATED TRANSACTION CATEGORISATION AND INSIGHTS

MoniLens may use automated rules, algorithms and other technologies to:

Identify financial transactions;

Categorise transactions;

Identify income and expenses;

Summarise financial activity;

Identify spending patterns;

Compare financial periods; and

Generate financial-management insights.

These results are based on information available to MoniLens and may sometimes be inaccurate.

For example, a transaction may be:

Categorised incorrectly;

Duplicated;

Missing;

Delayed;

Misidentified; or

Incompletely extracted from a financial alert or uploaded document.

You should review important financial information before relying on it.

MoniLens' automated insights are intended to assist with financial organisation and awareness. They are not financial, investment, accounting, tax or legal advice.

24. THIRD-PARTY FINANCIAL INFORMATION

MoniLens may depend on information received from banks, financial institutions, payment providers, email providers, mobile network operators and other third parties.

We do not control the accuracy, completeness, availability or reliability of information supplied by these third parties.

Accordingly, MoniLens cannot guarantee that every transaction will be captured or displayed accurately.

You remain responsible for reviewing important financial records and independently confirming information where necessary.

25. USER RESPONSIBILITIES

You are responsible for:

Keeping your device secure;

Keeping your MoniLens account credentials confidential;

Reviewing your transaction information;

Maintaining accurate information;

Deciding which permissions to grant;

Disconnecting integrations you no longer wish to use; and

Ensuring that information you upload belongs to you or that you have the appropriate authority to upload it.

You should not provide MoniLens with banking passwords, ATM PINs, card PINs, OTPs or other confidential authentication credentials.

MoniLens does not need those credentials to provide its core transaction-management functionality.

26. CHILDREN

MoniLens is intended for users who are legally permitted to use the service under applicable law.

We do not knowingly collect personal information from children in circumstances where such collection is prohibited by applicable law.

If we become aware that personal information has been collected from a child in circumstances requiring deletion, we will take reasonable steps to delete the information.

27. YOUR DATA PROTECTION RIGHTS

Subject to applicable law and lawful limitations, you may have rights to:

Request access to your personal information;

Request correction of inaccurate information;

Request deletion of your information;

Request restriction of certain processing;

Object to certain processing;

Request portability of your information where applicable;

Withdraw consent where processing is based on consent;

Request information about how your data is processed; and

Exercise other rights available under applicable data protection law.

To exercise your rights, contact:

support@mymonilens.com

We may request reasonable information to verify your identity before responding to a data request.

28. DATA BREACHES AND SECURITY INCIDENTS

If we become aware of a personal data breach, we will assess the incident and take reasonable steps to contain, investigate and address it.

Where notification to users or a regulatory authority is required by applicable law, we will make the required notification within the applicable timeframe.

29. NO GUARANTEE OF SERVICE AVAILABILITY

We aim to provide a reliable service but do not guarantee that MoniLens will always be:

Available;

Error-free;

Uninterrupted;

Compatible with every Android device;

Able to process every bank's transaction alerts; or

Able to capture every transaction.

Service availability may be affected by:

Internet connectivity;

Android operating-system changes;

Bank or financial institution systems;

Mobile network providers;

Third-party service providers;

Maintenance;

Security incidents;

Technical failures; or

Other circumstances outside our reasonable control.

30. LIMITATION OF RESPONSIBILITY

To the maximum extent permitted by applicable law, MoniLens, its owners, directors, officers, employees, contractors and service providers will not be responsible for losses arising solely from:

Incorrect information supplied by a user or third party;

Incorrect, delayed or incomplete financial alerts;

Transaction categorisation errors;

Missing or duplicated transactions;

Errors in uploaded statements or documents;

User reliance on automatically generated financial insights;

Failure of a bank, payment provider, mobile network or other third party;

Internet or telecommunications failures;

Loss or compromise of a user's device;

Unauthorised access resulting from compromised user credentials;

Temporary unavailability of MoniLens; or

Circumstances beyond our reasonable control.

Nothing in this Privacy Policy excludes or limits any liability or right that cannot legally be excluded or limited.

Additional terms relating to warranties, indemnification, limitation of liability, acceptable use and other contractual matters are contained in the MoniLens Terms of Use.

31. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time to reflect:

New MoniLens features;

Changes in technology;

Changes in our business;

Changes in third-party services;

Changes in applicable laws or regulations; or

Changes in our data-processing practices.

Where changes are material, we may notify users through the App, email or another reasonable method.

The "Last Updated" date at the beginning of this Privacy Policy will be updated whenever the policy changes.

32. CONTACT US

If you have questions, concerns or requests relating to this Privacy Policy or your personal information, please contact:

MoniLens

Email: support@mymonilens.com

Website: https://mymonilens.com

For privacy or data-deletion requests, please provide sufficient information for us to identify your account and understand your request.

33. GOVERNING LAW

This Privacy Policy shall be interpreted in accordance with the applicable laws of the Federal Republic of Nigeria, subject to any mandatory rights and protections that apply to you under applicable law.

YOUR PRIVACY MATTERS

MoniLens is designed to help you understand and organise your money while keeping you in control of your information.

We collect and process information to provide the features you choose to use, including automatic financial transaction tracking where you voluntarily grant the required permission.

We do not sell your financial information or use your SMS data for advertising.

Your money is yours. Your data should remain under your control.