Terms of service

Welcome to Pennio. By downloading, accessing, or using our app, you agree to these Terms & Conditions. Please read them carefully.

1. Acceptance of Terms
By using Pennio, you confirm that you:

• Are at least 13 years old

• Agree to comply with these Terms

• Accept our Privacy Policy

If you do not agree, please do not use the app.

2. Description of Service
Pennio is a personal finance tracking app that helps users:

• Log expenses using natural language

• Track subscriptions

• Manage budgets

• View financial insights

Pennio is for informational purposes only and does not provide financial, legal, or investment advice.

3. User Responsibilities
You agree to:

• Provide accurate and truthful information

• Use the app only for lawful purposes

• Not misuse, copy, or exploit the app

You are responsible for maintaining the confidentiality of your device and any data stored within the app.

4. Subscriptions & Payments
Pennio may offer paid features (e.g., premium plans).

• Payments are processed through your app store (Apple/Google)

• Subscriptions renew automatically unless canceled

• You can manage or cancel subscriptions via your app store settings

We do not control billing or refunds handled by the app store.

5. Data & Privacy
Your use of Pennio is also governed by our Privacy Policy.

We aim to:

• Protect your financial data

• Keep your information secure

• Not sell your personal data

However, you acknowledge that no system is 100% secure.

6. AI Features Disclaimer
Pennio uses AI to process and organize your financial data.

• AI-generated insights may not always be accurate

• You should not rely solely on the app for financial decisions

Always verify important financial information independently.

7. Limitation of Liability
To the fullest extent permitted by law, Pennio shall not be liable for:

• Financial losses

• Data inaccuracies

• App interruptions or bugs

Use the app at your own risk.

8. Intellectual Property
All content in Pennio, including:

• Design

• Branding

• Mascots

• Features

is owned by Pennio and protected by intellectual property laws.

You may not copy, modify, or distribute any part of the app without permission.

9. Termination
We may suspend or terminate your access if you:

• Violate these Terms

• Misuse the app

You may stop using Pennio at any time.

10. Changes to Terms
We may update these Terms from time to time.

Continued use of the app after changes means you accept the updated Terms.

Contact
📧 madebypixels.appstore@gmail.com