Terms of Service

By creating an account or using PennyWise, you agree to these terms. If you do not, please do not use the app. PennyWise is operated by Aditya Jain, an independent developer.

You need an account to use PennyWise. You must give a real email address you control — disposable and temporary addresses are not accepted, because losing access to your email means losing access to your ledger. Confirm it from the link we send within 7 days to keep using the app; nothing you logged is lost in the meantime.

You are responsible for keeping your password safe. Tell us promptly if you think someone else has access to your account. You must be at least 13 years old. If you are under 18, a parent or guardian must agree to these terms for you, and a Plus subscription needs their permission in Google Play.

PennyWise shows you arithmetic performed on figures you entered. It projects, categorises and summarises your own spending. It is not financial, investment, tax or legal advice, and nothing in it is a recommendation to buy, sell, borrow or invest.

The Coach answers from your own numbers. On Free it uses fixed rules. On Plus it can use an AI model. Its answers are written by that model, are not checked by a person, and can be wrong or incomplete even though it checks its figures against your data; it does not know everything about your circumstances. Check an answer before you act on it, and report any that looks wrong or harmful from the Coach.

The Coach never recommends a particular stock, fund, coin, app or insurer, and it cannot tell you where markets will go. What it says about saving and investing in general is education, not advice. Market-linked investments carry risk and their returns are not guaranteed. PennyWise is not a SEBI-registered investment adviser and does not give tax advice. For decisions that matter, talk to a qualified professional.

PennyWise has no connection to your bank. It cannot make payments, transfer funds or access your accounts. It is not a bank, is not regulated by the Reserve Bank of India, and is not a credit bureau.

The figures PennyWise shows are only as good as what goes in. Features that read receipts or payment notifications are best-effort: they can misread an amount or a merchant. A receipt, or a payment message from a chat app or a person, is added only when you confirm it. A payment or incoming credit reported by your bank’s app, a UPI app or your bank’s SMS is logged automatically, marked “Auto”, with a notification that lets you undo or change it; you can turn automatic logging off in Profile → More → Settings. Check anything you rely on: we are not responsible for an entry the app logged wrongly and you did not correct.

PennyWise is free to use. Free includes unlimited logging, budgets, one goal, Leaks, your financial health score, this month’s insights, two Coach questions a month, and a CSV export twice a month. Caps and Second Thought are on Plus.

Plus costs ₹79 a month, including GST (or the local price Google Play shows you outside India), and is billed by Google Play. It adds caps without a limit, Second Thought, unlimited goals, all your past months, the AI Coach, and CSV any time plus a formatted Excel file, a PDF report and custom reports. It renews every month until you cancel it in Google Play (Play Store → Payments & subscriptions). When you cancel, Plus stays on until the end of the month you have paid for. Refunds are handled by Google Play under its refund policies; we do not refund part of a month you cancel in. Your statutory consumer rights are not affected. Purchases are also covered by Google Play’s terms. If the price ever changes, Google Play tells you before it applies to you. If a payment fails, Google Play may retry it, and Plus can continue for a short grace period while it does.

The free trial. Each account can try Plus free for 7 days, once, with no card. During the trial the AI Coach has a smaller allowance (about 50 questions). When it ends you choose: subscribe, or carry on with Free. Choosing Free deletes nothing you logged — caps beyond the first pause, goals beyond the first become read-only, and earlier months stay saved and come back if you subscribe.

The Coach answers questions about your money and about PennyWise. When it uses the AI model on Plus, a monthly fair-use limit applies (currently 1,000 AI requests, roughly 300 questions). Deleting your account does not cancel a subscription; cancel it in Google Play.

You keep ownership of everything you put into PennyWise. You can export it from Profile (within your plan’s export allowance), and you can delete it and your account from inside the app. How we handle it is described in our Privacy Policy.

Please do not:

• try to access anyone else’s data;
• probe, overload or disrupt the service;
• use PennyWise for anything illegal, or to launder or disguise funds;
• resell or redistribute the app as your own;
• use the Coach for things unrelated to your money, or try to make it ignore its rules or reveal its instructions;
• make more than one account to repeat the free trial;
• copy, reverse-engineer or scrape the app or its service, except where the law allows;
• send fake or test purchase receipts.

We may suspend an account that does these things, or that puts other users at risk. A subscription on a suspended account is not refunded by us; you can cancel it in Google Play.

PennyWise, its name and its design belong to us. We give you a personal, non-transferable licence to use the app while you follow these terms. If you send us feedback or ideas, we may use them without owing you anything.

PennyWise is offered as it is. We try to keep it working and your data safe, but we cannot promise it will never be unavailable or that it will be free of faults. Features may change or be withdrawn as the app develops — and since your ledger is exportable, you are never locked in.

To the extent the law allows, PennyWise is not liable for financial decisions you make using it, for indirect or consequential loss, or for loss of data caused by something outside our control, and our total liability to you is limited to what you paid us in the 12 months before the claim. Nothing here limits liability that cannot legally be limited.

You can stop at any time by deleting your account in the app. We may end or suspend access if these terms are broken.

We may update these terms. Meaningful changes will be shown in the app before they take effect, and the date above will change. These terms are governed by the laws of India, and the courts of India will have jurisdiction over any dispute. If you live in the EU or the UK, the mandatory consumer protections of your country still apply to you.

Questions about these terms: aditya.official824@gmail.com