We hold nothing about you.

The same text ships inside the app, so it reads with no connection: Settings, About, Privacy policy. A device set to Turkish opens a Turkish translation there; this English text governs.

Aynı metin uygulamanın içinde de bulunur ve bağlantı olmadan okunur: Ayarlar, Hakkında, Gizlilik politikası. Cihazı Türkçe olan biri orada Türkçe çevirisini görür; geçerli metin bu İngilizce metindir.

Monte is made by its developer, who publishes it under the name Monte Labs ("we", "us"). The developer's legal name and country are shown on Monte's App Store and Google Play pages. This policy is published at https://endofhomodeus.github.io/monte/privacy/ and also ships inside the app, so it can be read with no connection. Both are the same text.

Section 01What we collect

Nothing.

Monte operates no server, no account system and no telemetry of any kind, so there is nothing for us to receive. We do not collect your name, email address, phone number, address, government ID or payment details. We do not collect your IP address, advertising ID or any other tracking signal. We do not collect location, contacts, health, biometric or device-identifier data. We do not collect crash reports or usage metrics: the app contains no analytics or crash-reporting code.

Section 02What stays on your device

These are kept on your device only, in an encrypted database (section 6). We never see them.

• Your plans, their answers, and the values you entered.
• Your preferences: language, currency, theme, and whether Monte may carry a few values (such as take-home pay) from one question to the next.
• Plan check-ins you set: reminders scheduled with your phone's own notification system. A reminder names the question only, never an amount.
• A problem log: if the app hits an unexpected error, a short technical record (no amounts and no names) is kept so you can read it, send it to us yourself if you choose, or delete it. It is never sent automatically.

Section 03How your data is used

Your locally stored data is used for exactly one purpose: to render your saved scenarios, run simulations, and let you re-open past work, all on the device. No data is used for advertising, profiling or training machine-learning models, by us or by anyone else, because no data ever reaches us or anyone else.

Section 04Sharing and disclosure

We do not sell your data, share it with advertisers or data brokers, or disclose it to any third party. We could not, because we do not have it.

• Files you share: pictures, PDF reports and backup files are made only when you ask, and handed to your phone's share sheet. Where they go is your choice, and the privacy terms of whatever you share them with apply there.
• Purchases: Premium is bought through Apple's App Store or Google Play. The store takes the payment under its own privacy policy. On your device, the store tells Monte which product you bought and whether it is active, so Premium can be unlocked. We receive no payment details and run no purchase server.
• Ratings: when Monte invites you to rate it, the store's own rating screen is used. Anything you write there goes to the store under its terms.
• Legal requests: if we were ever asked by a court to disclose user data, we would have nothing to produce. The data exists only on your device.

Section 05Permissions Monte uses

• Notifications: only once you set a plan check-in, to show that reminder.
• Billing (Android): to buy and restore Premium through Google Play.
• Monte does not use the internet, location, contacts, camera, microphone, photos or any tracking. On iOS there is no App Tracking Transparency prompt, because there is no tracking to ask about.

Section 06Storage, security and how long data is kept

• All app data is stored in an encrypted local database. Encryption is always on.
• The database key is generated on your device and held in the platform keystore (Android Keystore or iOS Keychain). It never leaves the device and is not backed up.
• There is no sync of any kind, and the operating system's automatic backup is switched off for Monte, so no copy of your data goes to a cloud service.
• Your data is kept until you delete it: one plan (from its menu on the home screen), everything (Settings, Your data, Delete all my data), or the app itself. We hold nothing, so there is nothing for us to keep or delete.
• A backup file you make in Settings is plain text that you keep. Monte does not encrypt it, so store it somewhere you trust. Restoring it adds its plans back; it never overwrites a plan already on the phone.

Section 07Your rights

Because we hold no data about you, every right below is met directly on your device, without contacting anyone. You can still write to us at any time (section 10).

European Union (GDPR), United Kingdom (UK GDPR), Switzerland

• Access and portability: your data is in the app; Settings, Your data, Back up my plans gives you all of it in one portable file.
• Erasure: delete it in Settings, Your data, Delete all my data, or uninstall the app. Either is complete; there is no copy anywhere else.
• Objection and restriction: nothing is collected, so there is no processing to object to.
• Complaints: you can contact your local data-protection authority.

California (CCPA / CPRA)

• Right to know and to delete: as above; we hold nothing.
• Right to opt out of sale or sharing: we do not sell or share data.
• Right to non-discrimination: the price is the same whether or not you use any right.

Brazil (LGPD), Canada (PIPEDA), Japan (APPI), Türkiye (KVKK)

Equivalent rights apply, and they are met the same way: nothing is held by us, and everything on the device is under your direct control.

Apple App Tracking Transparency

We do not track you, do not use the advertising identifier and do not include third-party trackers.

Section 08Children

Monte is meant for adults making their own financial decisions and is not directed at anyone under 18. Because we collect nothing, we hold no data about anyone of any age.

Section 09Changes to this policy

If a future version ever changed what is collected, the change would be described here and in the store privacy declarations before it ships, and the app would ask you to read and accept it again before you continue. Clarifications that change nothing about collection get a new effective date only.

Section 10Contact

Write to hello@sableloft.com for privacy questions, data requests, security issues and anything else.

Section 11This site

This page is part of Monte's marketing site, and the site holds the same posture as the app. It sets no cookies, runs no analytics, no tag manager and no fingerprinting, and requests nothing from a third-party domain — the typefaces are served from this domain rather than a font CDN, precisely so that reading a privacy policy does not disclose your IP address to a third party. There is no consent banner because there is nothing to consent to. If you use the light/dark control, that one choice is written to your own browser's local storage and never leaves it.