Building on this, and as raised in the thread about Monzo-to-Monzo payments, the transparency page should provide details on how Monzo uses data on your phone which it asks for access to (contacts, photos, etc), including what gets sent off the phone, in what form, and where to. The second post in that thread details this for contacts data with regards to P2P payments, but I think there needs to be a statement that covers the app as a whole, and all categories of data Monzo requests permissions for.
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