Privacy Policy

1. Introduction

PennyPockets ("we", "our", or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, and safeguard your information when you use the PennyPockets web application ("Service").

By using the Service, you consent to the data practices described in this policy.

2. Information We Collect

Account Information

• Name
• Email address
• Account authentication data

Financial Information

PennyPockets stores financial information that you voluntarily enter into the application for budgeting purposes. This may include income amounts, expenses, categories, and financial planning data.

Technical Information

• IP address
• Browser type
• Device information
• Usage and diagnostic data

PennyPockets does not directly access or retrieve information from your bank accounts unless explicitly integrated with a third-party service that you authorize.

3. How We Use Your Information

Your information may be used to:

• Provide and operate the PennyPockets service
• Maintain and secure user accounts
• Improve application performance and features
• Respond to support requests
• Send service-related communications

We do not sell your personal data to third parties.

4. Payment Processing

Payments for subscription services may be processed by third-party payment providers such as Stripe. These providers handle payment information in accordance with their own privacy policies.

PennyPockets does not store full credit card numbers or payment credentials on its servers.

5. Data Sharing

We may share limited information with trusted service providers necessary to operate the Service, such as:

• Hosting providers
• Payment processors
• Email delivery services

These providers are required to maintain appropriate confidentiality and security measures.

We may also disclose information if required to comply with legal obligations, enforce our terms, or protect our rights and users.

6. Data Security

We implement reasonable technical and organizational safeguards designed to protect personal data from unauthorized access, disclosure, alteration, or destruction.

However, no internet transmission, storage system, or security mechanism can be guaranteed to be completely secure.

By using the Service, you acknowledge that while we take reasonable steps to protect your information, you provide personal data to the Service at your own discretion and risk.

7. Data Retention

We retain personal information only as long as necessary to provide the Service and comply with legal obligations.

Users may request deletion of their account and associated data by contacting support.

8. Your Rights

Depending on your jurisdiction, you may have the right to:

• Access personal data we hold about you
• Correct inaccurate information
• Request deletion of your data
• Request a copy of your stored data

Requests may be submitted by contacting our support team.

9. Cookies and Analytics

PennyPockets may use cookies or similar technologies to maintain sessions, improve performance, and analyze application usage.

These technologies do not collect sensitive financial information.

10. Children's Privacy

PennyPockets is not intended for individuals under the age of 13. We do not knowingly collect personal data from children.

11. Changes to This Policy

We may update this Privacy Policy periodically. Updates will be posted on this page with a revised "Last Updated" date.