1. Introduction

Welcome to Penny. We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and services.

By using Penny, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

2.1 Personal Information

When you register for Penny, we may collect:

• Email address
• Account credentials
• Profile information

2.2 Financial Information

To provide our expense tracking services, we collect:

• Expense data you manually enter
• Category assignments
• Budget goals and targets
• Spending patterns and habits

2.3 Usage Data

We automatically collect information about how you use Penny:

• App usage statistics
• Device information (type, operating system)
• Log data and analytics

3. How We Use Your Information

We use your information to:

• Provide Core Services: Track expenses, generate insights, and sync with Google Sheets
• AI-Powered Features: Create personalized spending insights and money personality reports
• Improve Our Service: Analyze usage patterns to enhance user experience
• Communication: Send important updates, feature announcements, and support messages
• Security: Protect against unauthorized access and fraudulent activity

4. Google Sheets Integration

Penny offers optional Google Sheets synchronization. When you enable this feature:

• We request limited access to read and write data to your specified Google Sheet
• Your expense data is synced in real-time to your personal Google Sheet
• You maintain full ownership and control of your Google Sheets data
• You can revoke this access at any time through your Google Account settings

5. AI and Data Processing

Our AI-powered features analyze your spending patterns to provide:

• Monthly money personality reports
• Smart savings suggestions
• Goal success predictions
• Personalized spending insights

All AI processing is performed securely, and your financial data is never shared with third parties for advertising or marketing purposes.

6. Data Storage and Security

We implement industry-standard security measures to protect your data:

• Encryption: All data is encrypted in transit (TLS/SSL) and at rest
• Firebase Security: We use Google Firebase's secure infrastructure
• Access Controls: Strict authentication and authorization protocols
• Regular Audits: Continuous monitoring and security assessments

7. Data Sharing and Disclosure

We do not sell your personal information. We may share your data only in the following circumstances:

• With Your Consent: When you explicitly authorize us to share information
• Service Providers: Trusted third-party services (Firebase, Google Sheets API) that help us operate
• Legal Requirements: When required by law or to protect our rights
• Business Transfers: In the event of a merger, acquisition, or sale of assets

8. Your Rights and Choices

You have the right to:

• Access: Request a copy of your personal data
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your account and associated data
• Export: Download your data in a portable format
• Opt-Out: Unsubscribe from marketing communications

To exercise these rights, please contact us at kodefoundry@outlook.com.

9. Premium Subscriptions

Penny offers optional premium features through in-app subscriptions:

• Subscriptions are processed through Apple's App Store or Google Play Store
• Your payment information is handled securely by Apple/Google, not by us
• Subscription data is managed according to Apple's and Google's privacy policies
• You can cancel subscriptions at any time through your device settings

10. Children's Privacy

Penny is not intended for users under the age of 13. We do not knowingly collect personal information from children under 13. If you believe we have collected information from a child under 13, please contact us immediately.

11. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place to protect your data in accordance with this Privacy Policy.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any significant changes by posting the new policy on this page and updating the "Last Updated" date. We encourage you to review this Privacy Policy periodically.

13. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

14. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected
• Right to know whether personal information is sold or disclosed
• Right to say no to the sale of personal information
• Right to access your personal information
• Right to equal service and price