Privacy Policy

1. Introduction

Welcome to Penny ("we," "our," or "us"). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and services.

2. Information We Collect

2.1 Personal Information You Provide

• Account Information: Email address, display name, and profile photo (optional)
• Authentication Data: Login credentials managed through Firebase Authentication
• Contact Information: Information you provide when contacting support

2.2 Financial Information

• Expense Data: Transaction amounts, categories, dates, descriptions, and notes
• Budget Information: Savings goals, plans, and financial targets
• Income Data: Income entries used for savings calculations
• Google Sheets Integration: Webhook URLs and sync preferences (no direct access to your spreadsheets)

2.3 Usage Information

• App Activity: Features used, screens visited, and interaction patterns
• Device Information: Device type, operating system version, unique device identifiers
• Performance Data: App crashes, errors, and performance metrics

2.4 Subscription Information

• Purchase History: Subscription tier (Monthly $4.99 or Lifetime $149.99), purchase dates, and transaction IDs
• Subscription Status: Active, trial, expired, or cancelled status

3. How We Use Your Information

3.1 Core Services

• Provide expense tracking and financial management features
• Sync data with your Google Sheets (via webhook integration)
• Calculate and display savings progress and goal projections
• Generate budget insights and spending analytics

3.2 AI-Powered Features (Premium Subscribers Only)

• Generate personalized "Expense Personality" reports
• Provide AI-powered saving goal recommendations
• Analyze spending patterns for micro-adjustment suggestions
• Calculate goal success probabilities using predictive analytics

3.3 Service Operations

• Process and manage your subscription payments
• Send important notifications about your account and goals
• Provide customer support and respond to inquiries
• Improve app performance and fix technical issues
• Ensure data security and prevent fraud

4. Data Storage and Security

4.1 Cloud Storage

Your data is securely stored using:

• Firebase Firestore: For expense data, budgets, and user settings
• Firebase Authentication: For secure user login and access control
• Firebase Storage: For profile photos and app assets

4.2 Data Isolation

We implement strict data isolation:

• Each user's data is completely separate and isolated using unique User IDs (UIDs)
• Firestore security rules prevent cross-user data access
• You can only view and modify your own financial information

4.3 Security Measures

• End-to-end encryption for data transmission
• Encrypted data storage in Firebase
• Regular security audits and updates
• Secure authentication protocols

5. Data Sharing and Disclosure

5.1 We Do NOT Sell Your Data

We never sell, rent, or trade your personal or financial information to third parties.

5.2 Service Providers

We share data with trusted service providers who help us operate our services:

• Google Firebase: Cloud infrastructure and authentication
• Apple StoreKit/RevenueCat: In-app purchase processing
• OpenAI: AI-powered insights generation (anonymized data only)

5.3 Legal Requirements

We may disclose your information if required by law or to:

• Comply with legal obligations or valid legal requests
• Protect our rights, property, or safety
• Prevent fraud or security threats
• Enforce our Terms & Conditions

6. Google Sheets Integration

Our Google Sheets sync feature:

• Uses webhook URLs you provide to send expense data to your spreadsheet
• Does NOT access your Google account directly
• Does NOT read other spreadsheets or files
• Only sends data you explicitly track in the app
• Can be disabled at any time in app settings

7. Your Privacy Rights

7.1 Access and Control

You have the right to:

• Access: View all your personal and financial data in the app
• Correct: Edit or update your information anytime
• Delete: Request complete account and data deletion
• Export: Download your expense data (via Google Sheets sync or export features)
• Opt-out: Disable notifications and data collection preferences

7.2 Data Retention

• Active account data is retained while your account is active
• When you cancel your subscription, your data remains accessible but AI features are locked
• Upon account deletion, all personal data is permanently removed within 30 days
• Anonymous usage analytics may be retained for service improvement

7.3 California Privacy Rights (CCPA)

California residents have additional rights:

• Right to know what personal information is collected
• Right to delete personal information
• Right to opt-out of data sales (we don't sell data)
• Right to non-discrimination for exercising privacy rights

8. Children's Privacy

Penny is not intended for users under 13 years of age. We do not knowingly collect personal information from children under 13. If we discover we have collected data from a child under 13, we will delete it immediately.

9. International Data Transfers

Your data may be transferred to and stored on servers located outside your country. We use Firebase's global infrastructure, which complies with international data protection standards including GDPR.

10. Cookies and Tracking

Our mobile app does not use cookies. Our website uses minimal tracking:

• Google Analytics for visitor statistics (anonymized)
• Firebase Analytics for app performance monitoring
• Essential cookies for website functionality

11. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of material changes by:

• Posting the new policy with an updated "Last Updated" date
• Sending an in-app notification
• Emailing registered users (for significant changes)

Continued use of the app after changes constitutes acceptance of the updated policy.

12. Contact Us

If you have questions about this Privacy Policy or want to exercise your privacy rights, contact us:

• Email: privacy@pennyapp.com
• Support: Through the app's "Help & Support" section
• Response Time: We aim to respond within 48 hours