Pennywise Privacy Policy

Introduction

Welcome to Pennywise. This Privacy Policy explains how Pennywise (referred to as "we", "us", or "our") collects, uses, discloses, and protects your personal information when you use our services. Pennywise is an expense tracker app designed to help users manage and track their finances. We value your privacy and are committed to safeguarding your personal information.

By using Pennywise, you agree to this Privacy Policy. If you do not agree with any term in this Privacy Policy, please do not use our services.

Information We Collect

When you use Pennywise, we may collect the following types of information:

1. Personal Information You Provide

When you sign up or use Pennywise, we may ask you to provide the following personal information:

  • Registration Information: Your name, email address, phone number, and a password for your account.
  • Account Information: Any other information required to complete your registration or enhance your user experience, such as age, preferred currency, or profile picture.

2. User-Generated Data

We collect and store information that you provide while using the app, including:

  • Expense Information: The details of the expenses you track, including categories, amounts, dates, payment modes, and descriptions.
  • Transaction Notes: Any notes, memos, or receipts you attach to your transactions.
  • Groups and Shared Expenses: Information about the groups you create or join and the shared expenses within those groups.

3. Device and Usage Information

We may collect the following technical information from your device:

  • Device Information: Including device type, operating system version, and unique device identifiers.
  • Usage Data: Information on how you interact with the app, such as pages visited, frequency of use, and features accessed.
  • Location Data: If you opt-in, we may collect location data to help provide location-based services, such as automatically setting your currency or offering localized recommendations.

4. Payment Information

If you choose to use premium features of Pennywise or make any in-app purchases, we will collect payment information such as your credit card details, billing address, and any other necessary data to process the transaction. This data is processed securely by our third-party payment processor.

5. Third-Party Integrations

We may collect information from third-party services that you integrate with Pennywise. For example:

  • Google Account Integration: If you link your Google account, we may receive your name, email, and profile picture to simplify login and improve your experience.
  • Payment Platforms: If you link a payment platform for tracking expenses or transfers, we may collect transaction details from that service.

How We Use Your Data

We use the information we collect for various purposes, including:

  • To Provide and Improve Our Services: We process your information to deliver the core features of Pennywise, such as tracking expenses, generating reports, and managing groups.
  • To Communicate with You: We may send you emails or notifications about your account, updates, or new features, and respond to your support requests.
  • For Personalization: We may use your information to offer personalized recommendations and tailored content within the app.
  • To Process Payments: If you choose to use paid features, we will process payment information for billing purposes.
  • For Security and Fraud Prevention: We use data to detect and prevent fraudulent activities and ensure the security of our services.
  • To Comply with Legal Obligations: We may use your information to comply with legal obligations, such as responding to subpoenas or court orders.

Sharing Your Data

We do not share your personal information with third parties for marketing purposes. However, we may share your data in the following circumstances:

  • With Service Providers: We may share data with third-party service providers who assist with app maintenance, payment processing, analytics, or other operations. These providers are contractually obligated to protect your data.
  • For Legal Compliance: We may disclose your information if required to do so by law, such as in response to legal requests, court orders, or to protect our rights.
  • In Business Transfers: If Pennywise is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. You will be notified via email or a notice on our app if such a change occurs.

Your Choices

You have control over the information you share with us. You can:

  • Access and Update Your Information: You can review and update your personal details at any time from the app’s settings.
  • Delete Your Account: If you wish to delete your account and all associated data, you can do so from the app settings or by contacting our support team.
  • Opt-Out of Communications: You can opt-out of marketing emails by clicking the unsubscribe link in the email, though we may still send you transactional or service-related communications.
  • Manage Permissions: You can manage app permissions such as access to contacts, location, and camera from your device’s settings.

Data Security

We take data security seriously and use industry-standard encryption and security measures to protect your personal data. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

International Data Transfers

Your information may be processed and stored in countries other than your own, including those with different data protection laws. By using Pennywise, you consent to the transfer of your information to these countries.

Children’s Privacy

Pennywise is not intended for use by children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe that we have collected such information, please contact us at support@pennywise.com, and we will delete it immediately.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. When we make changes, we will update the date at the top of this page. We encourage you to review this Privacy Policy periodically.

Contact Us

If you have any questions about this Privacy Policy or our practices, please contact us at:

Email: artiqlabs@gmail.com