Penny Terms of Service

1. Acceptance of Terms

By downloading, installing, or using the Penny mobile application ("App"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the App.

2. Description of Service

Penny is a mobile application that allows users to:

• Track personal and shared expenses
• Create and join expense-sharing groups
• Categorize and analyze spending patterns
• Set and monitor budgets
• Export expense data

3. User Accounts

To use Penny, you must create an account. You agree to:

• Provide accurate and complete information during registration
• Maintain the security of your password
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized use

You must be at least 13 years old to create an account and use Penny.

4. Acceptable Use

You agree NOT to use Penny to:

• Violate any applicable laws or regulations
• Infringe on the rights of others
• Upload malicious content or attempt to hack the service
• Impersonate others or misrepresent your identity
• Spam or harass other users
• Use the service for any illegal financial activities

5. User Content

You retain ownership of any content you create in Penny (expense entries, group names, categories, etc.). By using the App, you grant us a limited license to store and process this content solely to provide the service.

You are responsible for ensuring that your content does not violate any laws or third-party rights.

6. Group Features

When you create or join a group:

• Other group members can view expenses you add to that group
• Group creators can manage group settings and members
• You can leave a group at any time
• Expenses you added may remain visible to other group members after you leave

7. Privacy

Your privacy is important to us. Our collection and use of personal information is described in our Privacy Policy, which is incorporated into these Terms by reference.

8. Intellectual Property

The Penny app, including its design, logos, and functionality, is owned by us and protected by intellectual property laws. You may not copy, modify, distribute, or reverse engineer any part of the App without our written permission.

9. Disclaimer of Warranties

10. Limitation of Liability

Some jurisdictions do not allow the exclusion of certain warranties or limitations of liability, so some of the above may not apply to you. In such cases, our liability will be limited to the maximum extent permitted by law.

11. Service Modifications and Discontinuation

This includes the right to:

• Add, remove, or modify features and functionality
• Temporarily or permanently discontinue the App or any part of it
• Impose limits on certain features or restrict access to parts or all of the App
• Discontinue the App entirely without prior notice

We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the App. We recommend regularly exporting your data to avoid any loss.

12. Termination

Termination by You: You may delete your account at any time through the App's Profile settings.

Termination by Us: We reserve the right to suspend, disable, or terminate your account and access to the App at any time, with or without cause, and with or without notice. Reasons for termination may include, but are not limited to:

• Violation of these Terms
• Conduct that we believe is harmful to other users, us, or third parties
• Suspected fraudulent, abusive, or illegal activity
• Extended periods of inactivity
• At our sole discretion for any other reason

Upon termination, your right to use the App ceases immediately. We are not obligated to provide a refund of any amounts previously paid (if any).

13. Indemnification

You agree to indemnify, defend, and hold harmless the developer, its affiliates, and their respective officers, directors, employees, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use or misuse of the App
• Your violation of these Terms
• Your violation of any rights of another person or entity
• Any content you submit, post, or transmit through the App

14. Force Majeure

We shall not be liable for any failure or delay in performing our obligations under these Terms due to circumstances beyond our reasonable control, including but not limited to: natural disasters, acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemic, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.

15. Changes to Terms

We reserve the right to modify these Terms at any time at our sole discretion. Changes will be effective immediately upon posting the updated Terms. We will update the "Last updated" date at the top of this page.

Your continued use of the App after any changes constitutes your acceptance of the new Terms. If you do not agree to the modified Terms, you must stop using the App and delete your account.

16. Surviving Provisions

Upon termination of these Terms or your account, the following provisions shall survive and remain in full force and effect:

• Disclaimer of Warranties (Section 9)
• Limitation of Liability (Section 10)
• Indemnification (Section 13)
• Governing Law and Dispute Resolution (Section 17)
• Any other provisions that by their nature should survive termination

17. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions.

Any dispute arising out of or relating to these Terms or the App shall be subject to the exclusive jurisdiction of the courts located in Chennai, Tamil Nadu, India.

Before initiating any legal proceedings, you agree to first attempt to resolve any dispute informally by contacting us.

18. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if modification is not possible, shall be severed from these Terms. The remaining provisions shall continue in full force and effect.

19. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding your use of the App and supersede all prior and contemporaneous agreements, proposals, or representations, written or oral, concerning its subject matter.

20. No Waiver

Our failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by us.

21. Contact Us