Last updated: 03.06.2026
At Munibee, your financial life is personal, and we treat it that way. This page explains, in plain language, what we collect, why, and the choices you have. No fine print, no surprises. If anything here is unclear, just email us at privacy@munibee.com and a real person will answer.
Munibee AS (org.nr. 835 660 052), Petroleumsveien 6, 4031 Stavanger, is the data controller for your personal data.
The short version
- We only collect what we need to run Munibee for you.
- We never sell your data, and we never use your bank data for marketing.
- We don’t use advertising trackers or third-party analytics.
- Your data is stored within the EU.
- You’re in control. You can access, export, or delete your data any time.
What we collect, and why
Account info: your name, email, phone number and settings. We use these to create and look after your account.
Bank data: when you connect a bank through PSD2 (the EU’s secure open-banking standard), we retrieve your account overview, balance and transaction history so we can give you a clear picture of your finances. We never see your bank login or password. Your bank data is encrypted, no Munibee employee can read it, and it’s never used for marketing or sold to anyone.
Shared Hives: only the transactions you choose to share become visible to your Hive members. Your private transactions stay private, always.
Shared projects: the same applies to a shared project. Only what you choose to share is visible to the others, the rest stays private.
Receipts: if you scan a receipt, the text recognition happens right on your device. The image isn’t uploaded to us or anyone else.
Usage data: basic technical logs that help us fix bugs and improve the app. We don’t use third-party analytics or advertising trackers.
Marketing: only if you say yes. You can change your mind any time, in the app or via the unsubscribe link.
What we use your data for
- Running Munibee and keeping it working well for you
- Showing your overview and balances, and helping you plan, predict and understand your finances
- Sending you important service messages (and notifications you’ve opted into)
- Keeping your account and data secure, and fixing bugs
- Improving the product using anonymised statistics
- Marketing, only with your consent
- Meeting our legal obligations as a Norwegian company
Who we work with
To run Munibee, we rely on a small number of trusted partners who process data on our behalf. Each is bound by a data-processing agreement, and all of them are based in the EU:
| Partner | What they help with | Where |
|---|---|---|
| Enable Banking Oy | Securely connecting to your bank (PSD2) | Finland 🇫🇮 |
| Scaleway | Hosting, database and secure storage | Netherlands 🇳🇱 (French company) |
| Brevo | Sending emails and SMS (e.g. verification codes, notifications) | France 🇫🇷 |
All your data is stored within the EU. As soon as Scaleway offers server hosting in Norway, we plan to move your data there.
How long we keep your data
- Account data: deleted within 30 days after you close your account.
- Financial records: some may be kept for up to 5 years where Norwegian bookkeeping law requires it.
- Technical logs: deleted after 6 to 24 months.
Your rights
You have the right to access, correct, delete, export (port) and object to how we process your data. Just email privacy@munibee.com and we’ll respond within 30 days.
You can also contact Datatilsynet, the Norwegian Data Protection Authority (datatilsynet.no), if you’d like to raise a concern.
Keeping your data safe
Security is at the heart of how we build Munibee. Your data is encrypted both in transit and at rest, access is tightly restricted, and your bank data is protected so that no Munibee employee can read it. In the unlikely event of a data breach, we’ll notify Datatilsynet within 72 hours and let you know as soon as possible.
Cookies
We only use cookies that are necessary to keep you signed in and secure. No advertising cookies, ever.
Age
Munibee is intended for adults (18+). We don’t knowingly collect data from anyone under 18, and if we learn that we have, we’ll delete it.
Changes to this policy
If we make a significant change, we’ll let you know by email and in the app at least 30 days before it takes effect.
Questions? We’re happy to help. Email privacy@munibee.com.