Privacy Policy

Pennio (“we”, “our”, or “us”) respects your privacy. This Privacy Policy explains how we collect, use, and protect your information when you use the Pennio app.

1. Information We Collect

a. Information You Provide

• Expense entries (text, notes, amounts)

• Subscription details

• Budget data

• Any optional inputs you provide

b. Automatically Collected Data

• Device information (model, OS version)

• App usage data (features used, interactions)

• Crash logs and performance data

c. AI Processing Data

Your input (e.g., expense descriptions) may be processed by AI systems to:

• Understand transactions

• Categorize expenses

• Generate insights

2. How We Use Your Information

We use your data to:

• Provide and improve app features

• Process and organize your transactions

• Generate insights and analytics

• Send reminders and notifications

• Ensure app security and performance

3. Data Storage & Security

• Your data is stored securely using industry-standard practices

• We take reasonable measures to protect your information

• However, no system is 100% secure

4. Data Sharing

We do not sell your personal data.

We may share data only:

• With trusted service providers (e.g., analytics, cloud storage)

• If required by law

• To protect our rights and users

5. Third-Party Services

Pennio may use third-party tools such as:

• Analytics services (e.g., Firebase, etc.)

• AI processing services

These services may collect limited data as per their own privacy policies.

6. Your Data Rights

Depending on your location, you may have the right to:

• Access your data

• Request deletion of your data

• Correct inaccurate data

To request this, contact us at:
📧 madebypixels.appstore@gmail.com

7. Data Retention

We keep your data only as long as necessary to:

• Provide the service

• Comply with legal obligations

You can stop using the app at any time.

8. Children’s Privacy

Pennio is not intended for users under 13.
We do not knowingly collect data from children.

9. AI Disclaimer

Pennio uses AI to generate insights and organize data.

• Results may not always be accurate

• Do not rely solely on the app for financial decisions

10. Changes to This Policy

We may update this Privacy Policy from time to time.

Continued use of the app means you accept the updated policy.

11. Contact Us

If you have questions about this Privacy Policy:

📧 madebypixels.appstore@gmail.com