1. Acceptance of Terms

By accessing or using Pennywise, you agree to comply with and be bound by these Terms and Conditions. If you do not agree, please do not use the app.

2. User Responsibilities

• Provide accurate information for your account and expenses.
• Use Pennywise for personal finance management only.
• Do not misuse, copy, or redistribute the app or its content.
• Respect the privacy and security of your data and others.

3. Data & Privacy

• Your data is stored securely and is not shared with third parties without your consent.
• All passwords are encrypted and protected.
• Email addresses are used only for account verification and notifications.

4. Limitation of Liability

Pennywise is provided as-is, without warranty of any kind. We are not liable for any loss or damages resulting from the use of the app.

5. Changes to Terms

We reserve the right to update these terms at any time. Continued use of Pennywise after changes constitutes acceptance of the new terms.

6. Contact

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