# Monerich — Full Content for LLMs

> Money Expense Manager for Indonesia — offline-first, private, built for IDR. Bundle com.monerich.app. Last updated 2026-08-24.

This file concatenates all public pages in markdown for token-efficient AI / agentic ingestion. For the concise map, see /llms.txt. Canonical URLs use https://monerich.com.

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# Home — https://monerich.com/

Monerich — Expense manager that feels like Apple.

Add an expense in under 3 seconds. Track Cash, BCA, Mandiri, GoPay, OVO, DANA and ShopeePay in one place — offline, private, and built for IDR.

Features:
- in seconds entry: Big numpad, smart category suggestions, swipe-to-save. Target <2.5s.
- Multi-wallet IDR: One balance across 10+ Indonesian wallets. IDR formatting: Rp, 0 decimals, "." grouping. WalletType: cash, BCA, Mandiri, BNI, BRI, GoPay, OVO, DANA, ShopeePay, other. Balance = initialBalance + income − expense. Sort by sortOrder.
- Private & offline: No tracking, no analytics SDK, no bank permission. Data stays on device with Face ID / Passcode + Data Protection (NSFileProtectionComplete). PrivacyInfo.xcprivacy: NSPrivacyTracking false.

Dashboard: this-week vs last-week, weekly trend, top-5 category, budget rollover at 80% warning. Scales to 10k+ transactions.

Support: support@monerich.com

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# Privacy Policy — https://monerich.com/privacy

Last updated: 2026-08-24

## 1. Introduction
Monerich (com.monerich.app) and https://monerich.com. Money expense manager for Indonesia. No account needed. If you do not create an account, we have no account to link data to.

## 2. Data Not Collected
App Store Privacy Nutrition Label: Data Not Collected. PrivacyInfo.xcprivacy: NSPrivacyTracking false, NSPrivacyCollectedDataTypes []. No financial info transmitted to servers (no servers for transactions). No contact info, identifiers, diagnostics, usage analytics. No tracking. Website sets no tracking cookies.

If optional CloudKit private sync is added later, policy will be updated and opt-in required.

## 3. On-Device & Offline-first
Stored locally via SwiftData ModelContainer with cloudKitDatabase: .none. Fully offline. Deleting app deletes DB. Export backup via JSON/CSV in Settings. On device: Wallet list, Transactions (Decimal), Categories, Budgets, onboarding UserDefaults (CA92.1).

## 4. No Bank Login
Never asks for BCA Klik, Mandiri, GoPay, OVO, DANA, ShopeePay login. No scraping, no QRIS, no SMS reading. Manual entry + local keyword suggestion.

## 5. Permissions
Face ID / Passcode optional (LocalAuthentication, Secure Enclave). Notifications optional (daily 21:00, budget 80% via UNUserNotificationCenter). No contacts, location, photos required.

## 6. Children's Privacy
Not directed to children under 13, no data collected.

## 7. Retention & Deletion
Retention controlled by you. Delete transaction/wallet in-app, or delete app. Exports are your files. Support emails kept only to resolve request.

## 8. Security
iOS Data Protection (NSFileProtectionComplete), Keychain, App Group isolation if widgets added. No network transport of transactions.

## 9. Changes
Last updated date changed; material changes notified in app or on page.

## 10. Contact
support@monerich.com, privacy@monerich.com. Response within 5 business days.

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# Terms & Conditions — https://monerich.com/terms

Last updated: 2026-08-24 — Alias /terms-and-conditions redirects to /terms.

## 1. Acceptance
Governs use of com.monerich.app and https://monerich.com. By installing/using, you agree to Terms and Privacy Policy.

## 2. Using Monerich
At least 13 years old, Apple ID required, no account required, you are responsible for numbers entered, keep device passcode enabled.

## 3. Wallets & Your Data
WalletType, Balance = initialBalance + income − expense. Budgets, recurring, suggestions on device. No sync today. You own data; export JSON/CSV; delete app to delete DB.

## 4. Pricing
Paid app (one-time purchase) on the App Store. All core features included. Any future add-ons (CloudKit sync, CSV import, receipt OCR) sold separately via StoreKit with prices shown at purchase. Refunds via Apple.

## 5. Intellectual Property
Monerich name, logo, design, code owned by us, licensed not sold. Bank/e-wallet names are their owners' trademarks, used only as wallet labels.

## 6. Prohibited Use
No unlawful use, no misrepresentation, no probing/scraping, not sole system for tax without independent records.

## 7. Disclaimer
Provided "as is" without warranty. Not a bank or financial advisor. App shows what you entered, not what your real wallet holds.

## 8. Limitation of Liability
Max liability limited to amount paid in 12 months before claim (or IDR 150,000 if no amount was paid under a promotional offer). No indirect/consequential damages if no backup kept.

## 9. Governing Law
Republic of Indonesia. Courts in Indonesia. English version authoritative; Bahasa Indonesia translation may be provided for convenience.

## 10. Changes & Contact
Updates change Last updated date and in-app notice. Contact support@monerich.com.

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End. Sitemap: https://monerich.com/sitemap.xml — Robots: https://monerich.com/robots.txt