Privacy policy DA

1. information

1.1 Introduction

This is Monthio's Privacy Notice. Monthio ApS ("Monthio" or "we") provides services that can help create an overview of your personal finances (the "Services").

We value your privacy and are committed to protecting your personal data. This Privacy Policy explains how we collect, use and share your data when you visit our website, interact with our Services or respond to our advertisements.

Monthio ApS is the data controller for the personal data processed in connection with the Services. This means that we are responsible for how and for what purposes your personal data is processed.

When you use the Services, we process your personal data in accordance with this Policy. You should be aware that our services are offered as part of a collaboration with lenders and other third parties who have their own privacy policies.

Monthio's privacy policy only applies to the data for which Monthio is the data controller, and we follow applicable legislation, including e.g. the General Data Protection Regulation (GDPR), the Data Protection Act and the Payment Act as well as the Danish Data Protection Agency's guidelines. This means, among other things, that your personal data is always treated confidentially and securely.

Monthio's legal name is Monthio ApS and our company is domiciled at the address Øster Allé 56, 2., 2100 Copenhagen Ø, Denmark.Monthio's legal name is Monthio ApS and our company is domiciled at the address Øster Allé 56, 2., 2100 Copenhagen Ø, Denmark.

Monthio is under supervision by the Danish Financial Supervisory Authority and has a license as Account Information Service Provider (AISP).

With this policy we want to explain how your personal data is collected and processed so that you feel safe using our services.

If you have questions, comments or wish to complain, you are welcome to write to us at info@monthio.com or send us a letter to our address mentioned above.

You can also complain about our processing of your personal data to Datatilsynet, www.datatilsynet.dk. The Danish Data Protection Agency is the public authority that supervises compliance with the rules of the General Data Protection Regulation and the Data Protection Act.

1.2 Who we are

Monthio ApS
Øster Allé 56, 2., 2100 Copenhagen Ø, Denmark
info@monthio.com
Data controller under the General Data Protection Regulation (GDPR).

1.3 What data we collect
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We may collect and process the following types of personal data when you use our website:
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Technical data (e.g. IP address, browser type, operating system) Usage data (e.g. pages visited, time spent on the website, interactions)
Marketing data (e.g. campaign source, ad clicks)
Identifiers such as email address (when provided via forms or checkout)

1.4 How we collect data
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Forms you send (e.g. newsletter, checkout)
Cookies and tracking technologies (see cookie policy)
Third-party analytics and advertising tools

1.5 How we use your data
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Purpose

Legal basis

Explanation

Website analytics

Legitimate interest / consent

To understand user behavior and improve our website

Advertising & Remarketing

Consent

Display relevant ads on platforms like Facebook and Google

Conversion tracking

Consent

To measure the effectiveness of our ads

Data matching

Consent

Matching you with existing accounts on ad platforms using hashed email addresses

1.6 Third-party tools we use

Facebook (Meta)

We use Facebook Pixel and Conversions API to track website behavior and improve our ad performance. If you consent, we may share hashed email addresses with Meta to help personalize and measure ads. Learn more

Google Analytics (GA4)

Google Analytics collects anonymized usage data to help us understand how visitors use our website. Learn more

Google Ads

We use Google Ads, including Enhanced Conversions, to track ad performance. If you consent, we may send hashed email addresses to Google for better attribution. Learn more

Hotjar

Hotjar records anonymized behavioral data (e.g. clicks, scrolling) to help us improve the user experience. IP addresses are automatically anonymized... Learn more
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1.7 Data sharing

We do not sell your personal data. Data is only shared with trusted third parties for the purposes described above and only when necessary.

Where applicable, we have signed data processing agreements (DPAs) with these providers and ensure that appropriate data transfer safeguards are in place (e.g. SCCs for US-based tools).

1.8 Cookies & Consent

We use a consent management platform (CMP) to manage your cookie preferences in accordance with GDPR. You can change your settings at any time by clicking on cookie policy at the bottom of the page. See our full cookie policy for more information.

1.9 Your rights

Under the GDPR, you have the right to:
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Get access to your personal data
Request for correction or deletion
Objection to processing
Withdraw your consent at any time
File a complaint with your local data protection authority

To exercise your rights, please contact us at info@monthio.com

1.10 Updates to this policy

We may update this privacy policy periodically. Any changes will be posted on this page with an updated revision date.

Last updated: 10/07/2025

1. Important information

This is Monthio's personal data policy. Monthio ApS ("Monthio" or "we") provides services that can help you get an overview of your personal finances (the "Services").

Monthio ApS is the data controller for the personal data processed in connection with the Services. This means that we are responsible for how and for what purposes your personal data is processed.

When you use the Services, we process your personal data in accordance with this policy.

You should be aware that our Services are offered as part of a collaboration with creditors and other third parties who have their own personal data policy. Monthio's privacy policy only applies to the data for which Monthio is the data controller.

We comply with applicable legislation, including the General Data Protection Regulation, the Data Protection Act and the Danish Payments Act as well as the Danish Data Protection Agency's guidelines. This means, among other things, that your personal data is always treated confidentially and securely.

Monthio's legal name is Monthio ApS and our company is domiciled at Øster Alle 56, 2., 2100 Copenhagen Ø, Denmark.

Monthio is supervised by the Danish Financial Supervisory Authority and is licensed as an account information service.With this policy, we want to give you knowledge about how your personal data is collected and processed so that you feel comfortable using our services.if you have questions, comments or wish to complain, please write to us at info@monthio.com or send us a letter to our address mentioned above.you can also complain about our processing of your personal data to Datatilsynet in Denmark, www.datatilsynet.dk. The Danish Data Protection Agency is the public authority that supervises compliance with the rules of the General Data Protection Regulation and the Data Protection Act.

2. Sources of personal data

2.1 Dissemination via third parties
You can give us permission to obtain your bank account information from your bank and you can give us consent to obtain information from public registers.

2.2 Automated collection of technical data
When you use our services, we automatically collect some technical information, such as which device you use. For this purpose, we use cookies and similar technologies.

3. Types of personal data

3.1 Bank account information
Bank account information is the transaction data and other information about your accounts that we obtain from the accounts you have chosen to give us access to.

3.2 Personal register information
Personal register information is information obtained from the Central Personal Register (CPR) in Denmark based on your CPR number.

3.3 Other public registers
Other public register information is information obtained from public registers such as the Digital Registration System (Tingbogen) in Denmark, including Real Estate, Personbogen, Andelsboligbogen and Bilbogen.

3.4 Technical data
Technical information about how you access and use the services.

3.5 Sensitive personal data
Some of your payment data that we process may indirectly contain information of a sensitive nature, e.g. payments to political organizations, religious communities or similar. Such data will not be identifiable in the budget that we calculate on your behalf. Instead, it will automatically be grouped and displayed in a non-sensitive way, e.g. payments of membership fees to a political organization will be displayed as "dues to associations". This ensures that your sensitive information is protected while allowing us to provide you with an accurate budget.

4. Types of purposes

4.1 Our provision of the services
Data processing necessary for us to provide the services, e.g. aggregating payments from your accounts into categories.

4.2 Other purposes if you have given consent
Data processing we have specifically asked your permission to do, such as sharing your financial overview with a creditor or other third party.

4.3 Provision of the Services
Data processing that commercially supports our ability to provide the Services and where it is not the case that your interests or fundamental rights are more important.

4.4 Legal obligations
Data processing that is necessary to comply with legal obligations to which we are subject.

5. Types of basis

5.1 Specific consent
When we have obtained legal basis for the data processing by obtaining your specific consent. You can always withdraw consent.

5.2 Legal obligation
When we have a legal basis for the data processing because the processing is necessary to comply with legal obligations to which we are subject.

5.3 Our legitimate interests
Data processing that commercially supports our ability to provide the services and where it is not the case that your interests or fundamental rights are more important.

6. Overview of our processing of your personal data

Purpose

Basis

Information

To be able to deliver the services to you

Specific consent

Bank account information
Personal register information
Other public registers

To anonymize your data so it can be used for statistical analysis

Our legitimate interests (after anonymization, after which the data can in no way be attributed to you, the data can be used for statistical analysis. This allows us to make improvements to the services)

Bank account details

Cookies in the services are used for technical functionality

We only use technically necessary cookies

See Monthly's cookie policy

Cookies on the website are used for technical functionality, statistics and marketing

Consent

See Monthly's cookie policy

7. Other recipients of personal data

Where necessary for the technical operation of the services, we may disclose your personal data to companies that assist with this operation. These companies may only use the information where it is necessary for the operation and where we have entered into data processing agreements that ensure confidentiality and data security.

If you give us your specific consent, we may also disclose your personal data to other business partners such as your credit provider.

Finally, we may disclose your personal data if we are legally obliged to do so, or it is necessary for us to defend ourselves against or enforce legal claims.

7.1 Joint applicants
If you are joint applicants, the lead applicant will have access to certain information about the co-applicant's personal finances, such as information regarding income and expenses. This is because the credit assessment needs to take into account your joint financial situation and therefore one of you will need to view and edit the overall budget before you can share it with your potential creditor.

8. Storage period

We will only retain your personal data for as long as it is necessary to ensure proper forwarding to, and processing by, your creditor or other third party (maximum 3 months).

9. Information about your rights

You have a number of rights under the General Data Protection Regulation in relation to our processing of information about you. If you want to exercise your rights, please contact us.

In general terms, these rights are as follows.

You have the right to know what personal data we process about you and, with certain exceptions, to receive a copy of this data.

In a number of cases, you have the right to have the personal data we process about you deleted, corrected or blocked.

You have the right to object to our processing of your personal data due to your particular situation.

You have the right to object to our processing of your personal data for direct marketing purposes, after which we will no longer process your personal data for that purpose.

You can read more about your rights in the Danish Data Protection Agency's guide on the rights of data subjects, which you can find at www.datatilsynet.dk.

10. Confidentiality

We always treat your personal data confidentially and all employees are subject to confidentiality clauses in relation to personal data. Only selected employees have access to personal data and only when necessary to provide the services.

11. Withdrawal of consent

You can revoke any consent you have given us at any time.

In accordance with the consent you give to Monthio, we only process your data in connection with your use of the service in the specific process you are in, e.g. an application process. We will then automatically delete your data.

Until you have completed Monthio's process, you can cancel and activate the deletion of your data yourself. Use the delete function, which you will find in the menu under the process.

Revocation can also be done by canceling the credit application or by contacting us as stated in section 1.

12. change of policy

We reserve the right to change this policy at any time and without prior notice. Changes will be published on Monthio's website. Changes will come into effect upon publication on our website.

13. cookies

By using the Services via a browser, you accept that we use technical cookies, which are necessary for the technical functioning of the Service.

You can partially or completely delete and block cookies by using the functionality in your browser. If you block all types of cookies, including technical cookies, you will completely or partially lose the ability to use the services.

When visiting our company website, you have the option to accept additional cookies. Read more about this in our cookie policy.

We use Hotjar to better understand our users' needs and to optimize this service and experience. Hotjar is a technology service that helps us better understand our users' experience (e.g. how much time they spend on which pages, which links they choose to click on, what users like and dislike, etc.) and this enables us to develop and maintain our service based on user feedback.
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Hotjar uses cookies and other technologies to collect data about our users' behavior and their devices. This includes a device's IP address (processed during your session and stored in an anonymized form), screen size, device type (unique device identifiers), browser information, geographic location (country only) and the preferred language for viewing our website. Hotjar stores this information on our behalf in a pseudonymized user profile. Hotjar is contractually obligated not to sell any of the data collected on our behalf.
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For further details, please refer to the 'About Hotjar' section on the Hotjar support pages.

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Privacy policy

1. information

2. Sources of personal data

3.Types of personal data

4. Types of purposes

5. Types of basis

6. Overview of our processing of your personal data

7. Other recipients of personal data

8. Storage period

9. Information about your rights

10. Confidentiality

11. Withdrawal of consent

12. change of policy

13. cookies (web)

1. information

1. Important information

2. Sources of personal data

3. Types of personal data

5. Types of basis

6. Overview of our processing of your personal data

7. Other recipients of personal data

8. Storage period

9. Information about your rights

10. Confidentiality

11. Withdrawal of consent

12. change of policy

13. cookies