Last updated: August 2026
Developer: MaxIA — maxia.support@gmail.com
MaxIA is the new name of MonAI. Same app, same developer, same data on your phone: only the name changed.
MaxIA is a personal expense manager with an AI assistant. All of your financial data (accounts, transactions, categories, budgets, investments) is stored exclusively on your device and is never transmitted to MaxIA servers nor shared with third parties.
MaxIA does not collect or transmit any personal data of its own. The app has no backend, requires no registration and creates no accounts.
If you build the payments automation (Profile → Automatic payments), every time you pay with your phone iOS runs a MaxIA action that hands it the date, the amount, the merchant name and — if you set it — the account the transaction belongs to. Everything happens on the device: MaxIA does not connect to your bank or to the card network, does not read the Wallet and never sees your card numbers. It only receives the text the automation hands over, and writes it into the local archive like any other transaction. No data leaves the phone. The automation is yours: you can delete it at any time from the Shortcuts app, or turn the feature off inside MaxIA.
The basic assistant runs on your phone, with no network and no key: it records transactions and answers questions about your data without sending anything to anyone. Only if you choose Gemini does your text leave the device, and that is your choice, conversation by conversation.
If you choose to use an AI provider (Google Gemini), the text you type in the chat is sent directly to the provider you selected, using your personal API key. MaxIA does not see or log this traffic. API keys are stored in your device's Keychain/Keystore and never leave the device.
If the "Data analysis" option is on (Settings → AI Connection), an aggregate-only summary of your data is sent to the provider together with your request — monthly, category and subcategory totals, account balances, budgets, savings goals, financial score, investment value, quantity, average price and any savings plan, Spare change settings, recurring payments and the end-of-month forecast computed by the app — so the assistant can answer questions like "how much did I spend in May?". Individual transactions and their descriptions are never sent. You can turn the option off at any time: the AI will still work for logging transactions.
Importing bank statements as PDF. If you choose to import a bank statement in PDF format (Settings → Backup & export → Import), the file is sent in full to Google Gemini, which extracts the transactions. In this case — unlike the rest of the app — all the transactions contained in the document are transmitted. This only happens after an explicit warning and your confirmation, using your personal Gemini key; MaxIA does not keep the file or the extracted data on any server. Importing CSV and Excel files happens entirely on the device instead, without sending anything.
Provider privacy policies:
• Google Gemini
If you use dictation (hold the MaxIA button and speak), speech recognition is performed by the operating system's native service (Apple on iOS, Google on Android): depending on the device and language, audio may be processed on Apple's or Google's servers under their privacy policies. MaxIA only receives the transcribed text and does not record or store audio. Dictation is active only while you hold the button; you can always type instead of dictating.
To update the value of cryptocurrencies, metals and listed securities, MaxIA queries public third-party sources (CoinGecko, Yahoo Finance, gold-api.com, frankfurter.dev for exchange rates; OpenFIGI for looking up securities by ISIN). To show the logo of an asset you add, the app may query public logo and icon services. In all these requests only the asset's name, ticker or ISIN is sent (e.g. "bitcoin", "NVDA") — never amounts, holdings or other personal data. Requests are made when you open the app or the Assets section, when you open a security's page or change its chart period, and when you ask the assistant what a security is worth.
If you enable Face ID/biometric lock, MaxIA uses the operating system's native APIs. MaxIA has no access to biometric data, which stays in the device's Secure Enclave.
Backups and exports (JSON, CSV, Excel, PDF) are generated on the device and saved to local storage or shared through the apps you choose. MaxIA does not upload backups to its own servers. On Android the app's database is also excluded from the operating system's automatic cloud backup.
Notifications (budget alerts, recurring payment reminders, investment changes) are generated and scheduled locally by the device. No third-party push notification services are used and no data leaves the phone.
For privacy questions: maxia.support@gmail.com