Terms of Service

1. Acceptance of Terms

By accessing or using PennyNest ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

2. Description of Service

PennyNest is a privacy-first wealth management application that allows you to manually track your income, expenses, assets, debts, and financial goals. The Service does not connect to financial institutions and relies on manual data entry.

3. User Responsibilities

• You are responsible for maintaining the confidentiality of your account credentials
• You are responsible for all activities under your account
• You must provide accurate financial information
• You must not use the Service for any illegal purposes
• You must not attempt to breach security or interfere with the Service

4. Subscription and Payment

• Free tier is provided at no cost with limited features
• Paid subscriptions (Standard and Pro) are billed monthly or annually
• Subscriptions automatically renew unless cancelled
• Refunds are available within 30 days of purchase
• We reserve the right to change pricing with 30 days notice

5. Data and Privacy

Your use of the Service is also governed by our Privacy Policy. We are committed to protecting your financial data and never share it with third parties without your consent.

6. Disclaimer of Warranties

PennyNest is provided "as is" without warranties of any kind. We do not guarantee:

• The accuracy of financial calculations or projections
• Uninterrupted or error-free service
• That the Service will meet your specific requirements

Important: PennyNest is a tool for tracking and planning, not professional financial advice. Consult a licensed financial adviser for personalized guidance.

7. Limitation of Liability

PennyNest and its creators shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Service, including financial losses.

8. Account Termination

We reserve the right to terminate or suspend accounts that violate these terms. You may terminate your account at any time and export your data before deletion.

9. Changes to Terms

We may update these Terms of Service from time to time. We will notify users of significant changes via email or in-app notification.

10. Governing Law

These terms are governed by the laws of Australia. Any disputes shall be resolved in the courts of Australia.

Contact Us

Questions about these terms? Contact us at legal@pennynest.app