Delete your account.

1. In the mobile app

• Open Monidhi on your iPhone or Android phone and sign in.
• Tap the circle with your initial at the top of Home to open your profile, then tap Delete account and confirm.
• Your account is deleted straight away. Every device signed in to it is signed out, and the app clears its data from that phone.

2. On the web

No phone needed, so this works if you've uninstalled the app or lost your phone.

• Go to app.monidhi.com and sign in with a code sent to your email, or your password if you set one.
• Go to Settings → Profile, choose Delete account and confirm.
• Your account is deleted straight away, as in the app.

3. By email

If you can't sign in, email privacy@monidhi.com from the address on your account and ask us to delete it. We suspend the account straight away, so nobody can sign in to it, and it is deleted automatically 30 days later. Until then, a request made by mistake can be cancelled by writing to us.

4. What is deleted

Everything in your account, permanently:

• Your profile: name, email, mobile number, password if you set one, and settings.
• Your journal: accounts, cards, transactions, categories, budgets, goals, trips, loans, recurring items, investments, assets and planned purchases.
• The parsed fields of your bank SMS and emails, your merchant rules and trusted senders, and your in.monidhi.com forwarding address. Mail sent to that address afterwards is refused.
• Your sign-in keys and passkeys, your links to Google and Apple sign-in (we also ask Apple to revoke Monidhi's access), your SMS capture keys, and the push tokens of your phones and browsers.
• Your notifications, and your support requests with their messages.
• On the phone you delete from: your sign-in session, the Face ID or fingerprint key, the widget snapshot, and any bank SMS still waiting to upload.

We send one last email to confirm the account was deleted.

5. What is kept, and for how long

• Backups: our database provider keeps point-in-time recovery copies that expire within 30 days, so your data is gone from them within 30 days of deletion. We don't restore deleted accounts from them.
• Staff audit log: if our staff ever acted on your account (for example suspending it, scheduling its deletion, or opening or replying to a support request), the audit log keeps that entry, which can include your name and account ID. It can't be edited and is kept with no end date, because it is our record of what staff did.
• Operational logs: entries for requests that failed on our server (method, path, status code and error message) and for emails we sent, with the address masked (for example p***@gmail.com). They hold no IP address, name or full email address. They have no automatic expiry yet; we keep them until we delete them.
• Emails you sent us: messages to support@, privacy@ or grievance@ stay in our mailbox until we delete them.
• Our providers' own records: SendGrid keeps a record of the emails it delivered, and Cloudflare and Google keep their own logs, each under its own retention terms. Apple and Google Play keep your download history under their own policies.

Our privacy policy explains each of these in more detail.

6. Before you go

• Export first if you want to keep your history: a CSV of your transactions is in Settings → Data export in the web app, or Insights → Export in the mobile app. We can't recover anything after deletion.
• Remove what you set up elsewhere: a Gmail forwarding rule to your in.monidhi.com address, or the Shortcuts automation on your iPhone. They stop working once your account is gone.
• You can sign up again with the same email at any time, starting from an empty journal.
• Questions? Write to privacy@monidhi.com.