Introduction
This Privacy Policy describes how Obada ("we", "us") handles information when you use the mobile application Montra (the "App") on Android or iPhone.
Who we are
- Operator: Obada
- Contact: support@obdevapps.com
For privacy-related questions, contact us at the email above.
Summary
- Montra is designed to work on your device, with no servers of our own.
- We do not require you to create an account or sign in.
- We do not operate servers that store your financial data.
- Data you enter (accounts, transactions, loans, savings circles, categories, notes) is stored locally on your device, encrypted. If your phone's backup is on, it can include that data — still encrypted (see Phone backups).
- You may export or import backups; those files are under your control when you save or share them.
- Optional purchases (subscriptions or a one-time purchase) are processed by your app store and RevenueCat, which receive purchase data only — never your financial records.
- We do not use analytics, advertising or crash-reporting tools, and we do not track you.
Information the App processes
Information you provide in the App
The App allows you to record and manage personal financial information, which may include:
- Account and wallet names, balances, and related metadata
- Transaction details (amounts, dates, categories, notes, receipt photos)
- Loan records (names, amounts, due dates, repayment information)
- Savings circle records (member names, amounts, payout order, who paid)
- App preferences (e.g. selected currency, language, theme, reminder time)
This information is processed on your device to provide the App's functionality. Names of other people you enter (for example, a loan or circle member) stay on your device too.
Device storage
The App stores data locally in the device's application storage. We do not receive this data.
Phone backups
If your phone's own backup is turned on (Google backup on Android, iCloud or a computer backup on iPhone), it can include the App's stored data. That data stays encrypted: neither we, Google nor Apple can read it.
- Android: the encryption key stays in your phone's Keystore and is not part of the backup — unless you set a backup passphrase in Settings. Then a copy of the key, locked with your passphrase, is included in the backup so you can open your data on a new phone. We never see your passphrase and cannot recover it. Receipt photos are not included in Android backups.
- iPhone: the key is stored in the iOS Keychain, which travels only in encrypted iCloud or computer backups.
You control these backups through your phone's settings; we have no access to them.
Export, import, and sharing
If you use backup export (JSON), transaction export (CSV), PDF statements, or share features, files may be saved to a location you choose or sent through another app (e.g. email, messaging, cloud storage). Those actions are initiated by you. We do not control third-party services you use to store or transmit exported files.
Reminders
Reminders (daily logging, loan due dates, savings circle rounds) are scheduled on your device by the operating system. No reminder content is sent to us or to any server.
Device safety check
On launch, the App checks on your device whether the phone appears to be rooted or jailbroken, so it can warn you that your data may be less protected. The result is never sent anywhere.
Permissions
The App can access your camera and photo library only when you choose to attach a receipt image to a transaction. Selected images are stored locally on your device alongside your other data and are never uploaded. Face ID / fingerprint is used only if you turn on App Lock (see Security). Notifications are used only for the reminders you turn on. File access is only requested when you explicitly trigger an import or export action. The App does not request microphone, location, or contacts access.
Data we collect on our servers
We do not operate backend servers that collect or store your Montra financial data, and we do not use analytics, crash-reporting, or advertising SDKs in the App. We do use a third-party subscription-management service (RevenueCat) to verify purchases; it receives purchase data only, never your financial records — see Payments and subscriptions below.
Payments and subscriptions
Montra is free to use, with optional paid upgrades (Montra Pro: auto-renewing subscriptions and, where offered, a one-time purchase). Purchases are processed by your platform's app store — Google Play Billing on Android or the Apple App Store on iPhone — so we never receive or store your payment card details, billing address, or store-account information. Payment processing is handled by the store under its own policy (Google / Apple).
To verify purchases and restore them across reinstalls, the App uses RevenueCat, Inc., a third-party subscription-management service acting on our behalf (a "processor"). When you open the subscription screen or make or restore a purchase, RevenueCat receives:
- Purchase and subscription data — the product purchased, price and currency, purchase and renewal dates, trial and active/expired status, and the store's transaction identifiers;
- A random App User ID generated by the App on first launch (shown in Settings → About → Support ID). It is not derived from your name, email, phone number or any device advertising identifier;
- Basic technical information sent with any internet request — such as IP address, device model, operating-system and app version, country/locale and currency.
RevenueCat does not receive your accounts, transactions, loans, circles, notes, or any other financial data you record in the App; that data is never sent to us or to RevenueCat. RevenueCat processes this information under RevenueCat's Privacy Policy and may process it in the United States. We use it only to provide and restore your purchase, prevent fraud, and understand aggregate subscription numbers (for example, how many people subscribe) — never for advertising or tracking.
You can manage or cancel a subscription at any time in Google Play → Payments & subscriptions (Android) or Settings → [your name] → Subscriptions (iPhone).
Third-party services
The only third-party service that receives data from the App is RevenueCat, used to process and verify purchases as described above. App-store billing (Google Play / Apple) processes your payment. File-picker and share-sheet functionality is provided by your operating system only when you choose to use those features. We do not sell your data and do not share it for advertising.
Children's privacy
Montra is a general-audience finance tool and is not directed at children under 13 (or the minimum age in your country). We do not knowingly collect personal information from children. If you believe a child has made a purchase or provided information through the App, contact us and we will help, including by requesting deletion of the related purchase records from RevenueCat.
Data retention and deletion
Data on your device
- Data remains on your device (and in your phone's own backup, if enabled) until you delete it or remove the App.
- You can use Clear All Data in Settings to erase all App data, receipt photos and export copies from the device at any time.
- Uninstalling the App removes its data from the device. On iPhone, iOS may keep the App's encryption key in the Keychain after uninstall; without the deleted data it unlocks nothing.
Purchase data held by RevenueCat
- Kept for as long as needed to provide and restore your purchase and to meet legal, tax and accounting obligations, then deleted or anonymised under RevenueCat's retention rules.
- To request access to or deletion of it, email support@obdevapps.com with your Support ID (Settings → About). We will ask RevenueCat to delete it and confirm within 30 days. Deleting purchase records may stop Restore Purchases from working for that ID; your store purchase itself stays with your Apple or Google account.
- To stop any further collection, simply don't open the subscription screen or make purchases — or uninstall the App.
Security
We design the App to keep your information on your device. Your financial records (accounts, transactions, loans and savings circles) are encrypted at rest using a key held in your device's secure hardware store (Android Keystore / iOS Keychain). Communication with RevenueCat and the app stores is encrypted in transit (HTTPS).
You can also enable an optional App Lock that requires a PIN — and, if you choose, biometric unlock (Face ID / fingerprint). Biometric authentication is handled entirely by your device's operating system; Montra never accesses, receives, or stores your biometric data or your device passcode.
You remain responsible for overall device security and for anyone with access to your device or to files you export (exported backups and statements are not encrypted, so store and share them carefully).
Your rights
Because your financial data is stored only on your device, you can access, correct, export and delete it yourself with the in-app tools and your device settings.
For purchase data held by RevenueCat, you can ask us for access, correction or deletion, or object to its processing, at support@obdevapps.com (include your Support ID). Depending on where you live — for example under the EU/UK GDPR or California privacy law — you may also have the right to data portability and to complain to your local data-protection authority. We process purchase data because it is necessary to provide the purchase you asked for (performance of a contract) and for our legitimate interest in preventing fraud. We do not sell or share personal information for cross-context behavioural advertising.
Changes to this policy
We may update this Privacy Policy from time to time. We will post the new version at the same URL and update the "Last updated" date. If a change materially affects how your data is handled, we will also mention it in the App's release notes.
Disclaimer
Montra is a personal finance tool for your own records. It is not a bank, lender, payment service, accountant, or financial advisor, and it never holds or moves money. Nothing in the App or this policy constitutes financial, legal, or tax advice.
Contact: support@obdevapps.com