1. Data Collection

• We collect only the data necessary to provide and improve our services (profile, expenses, categories).
• Personal information is used for account verification, notifications, and app functionality.

2. Data Use

• Your data is never sold, shared, or used for advertising purposes.
• We may use anonymized data for analytics and app improvement.

3. Data Protection

• All passwords are encrypted and protected.
• We use industry-standard security measures to safeguard your information.

4. User Rights

• You can request deletion of your account and data at any time.
• You may update your profile and preferences from within the app.

5. Cookies

• Pennywise may use cookies for session management and security.
• Cookies are not used for tracking or advertising.

6. Changes to Policy

We reserve the right to update this privacy policy at any time. Continued use of Pennywise after changes constitutes acceptance of the new policy.

7. Contact

For privacy concerns or questions, please contact our support team via the app.