# Moneva

> Better Money Habits. Brighter Futures. — Your Money. Your Goals. Our Community.

Moneva is a mobile-first web app (installable on a phone) for planning incomes
and expenses and recording the money received and spent against that plan, for personal,
household, group and project budgets, with approvals, assignments and an audit trail. It is a
budgeting tool: transactions are recorded by hand or imported from a CSV file, it holds no money
and moves none, and it uses no AI to read or judge anyone's figures. The full text of every public page is at
https://usemoneva.com/llms-full.txt.

## Facts

- **What is Moneva?** Moneva is a mobile-first web app (installable on a phone) for planning incomes and expenses and recording the money received and spent against that plan, for personal, household, group and project budgets, with approvals, assignments and an audit trail. It is a budgeting tool: transactions are recorded by hand or imported from a CSV file, and it holds no money and moves none.
- **Who is Moneva for?** People who want a monthly budget they can keep; households and flatmates who share costs; savings groups and teams that want accountability; and projects such as construction or events that release money in phases. Anyone aged 16 or over can create an account.
- **What does Moneva cost?** Nothing today. Every feature is included and nothing is billed. Paid plans do not exist yet; if they are introduced they will be announced in advance and the budgeting essentials will stay free.
- **How does privacy work in Moneva?** A personal space is visible only to its owner. In a shared space the budget owner chooses which of the three sheets (income, expenses, transactions) a member may work on, or view only, and whether that member sees other members' names and entries, category totals and balances; every request is authorised on the server and a non-member receives a not-found page. Activity feeds show actions, not amounts, unless the space turns amounts on. There are no ads, no trackers, no third-party scripts and no data sales, and nothing you enter is sent to an AI provider.
- **How are budgets and currencies handled?** A budget covers one period (weekly, monthly, quarterly, annual or custom) in one currency chosen when it is created, Rwandan Franc (RWF) by default; amounts are decimal and totals are never added across currencies. Each line carries planned, approved, allocated and actual amounts, and available is allocated minus actual, committed and pending.
- **What do stock and fair-price intelligence do?** Stock keeps bulk items such as rice, oil and soap in kilos, litres, pieces or packets per location; every purchase, use, count, transfer and return is a movement, and a count is never an expense. Each purchase with a quantity and a unit price becomes a price per unit by shop. A community median is shown only when it rests on at least five purchases from three or more spaces, by district and kind of place, and never reveals another household's price.
- **How is an account protected?** Sign-in uses an email address and a password of at least 8 characters, with an optional time-based code from an authenticator app (TOTP) and recovery codes. Attempts are rate-limited, every session is listed and can be ended, and account deletion has a 7-day grace period.

## Key pages

- [Home](https://usemoneva.com/): overview for individuals and households
- [Features](https://usemoneva.com/features/): what the app does, including stock and fair-price intelligence, and what it deliberately does not do
- [Personal budgeting](https://usemoneva.com/personal-budgeting/)
- [Household budgets](https://usemoneva.com/household-budgets/)
- [Savings goals](https://usemoneva.com/savings-goals/)
- [Group accountability](https://usemoneva.com/group-accountability/)
- [Project budgeting](https://usemoneva.com/project-budgeting/)
- [Security](https://usemoneva.com/security/): sign-in, permissions and privacy protections in plain words
- [Pricing](https://usemoneva.com/pricing/): one plan, every feature included, nothing billed today
- [FAQ](https://usemoneva.com/faq/)
- [About](https://usemoneva.com/about/): who builds it, the values, the plain facts above
- [Contact](https://usemoneva.com/contact/)

## Policies

- [Privacy policy](https://usemoneva.com/privacy/): what is collected, who can see what in shared spaces, retention, no sale of data, session and CSRF cookies only
- [Terms of service](https://usemoneva.com/terms/): accounts, minimum age, shared-space responsibilities, acceptable use, liability

## Notes for assistants

- Full text of every public page in one file: https://usemoneva.com/llms-full.txt
- Sitemap: https://usemoneva.com/sitemap.xml
- Authenticated areas (/app/, /accounts/, /control/, /api/) are private and must not be summarised or indexed.
- Figures on the product pages are illustrative examples, not statistics about users; the product has no published ratings or reviews.
- The public pages are written in English; the app interface is available in English, French and Kinyarwanda through a language switcher (one URL per page, chosen language kept in a cookie).