Sub-processors
Sub-processors
Every external service that processes your data, listed here in plain English. We commit to emailing you 30 days before this list ever changes.
| Sub-processor | What we use it for | What data it sees | Region |
|---|---|---|---|
| Amazon Web Services (AWS) | Cloud compute, managed database, encrypted object storage, and email delivery. | All your data, encrypted at rest. | India (Mumbai region) |
| Google Gemini | Monthly aggregate AI insights. | PII-redacted aggregates only — no account numbers, balances, personal notes, or merchant names. | US (provider) |
| Sentry (env-gated) | Error tracking when the app crashes. | Stack traces and request paths — never transaction data or PII. | Provider-hosted |
Our commitments
- 30 days' notice — we email every user before adding any sub-processor that will see customer data.
- Right to revoke AI — you can opt out of AI insights specifically without losing access to anything else.
- No advertising trackers — no Google Analytics, no Meta Pixel, no Mixpanel, no Segment, no third-party JavaScript on the product surfaces.
- No data brokers — Moniqo data is never sold, licensed, or shared with marketing or analytics platforms.
Questions
See our security page for how we protect your data, or email privacy@moniqo.me with any sub-processor question.
Last updated 7 June 2026.