Terms of Service

The Terms of a Financial Experience

General
Information

Welcome to Penny! By using our services, you agree to the terms outlined below. These Terms of Service govern your access and use of Penny’s website, app, and financial tools.

Acceptance
of Terms

By creating an account or using Penny’s services, you agree to comply with these Terms of Service. If you do not agree with any part of these terms, please discontinue your use of Penny.

Services
Provided

Penny offers an AI-powered chatbot designed to help users manage their personal finances. This includes tools for budgeting, saving, investment tracking, and financial advice. Services may vary depending on the plan you select.

Eligibility

To use Penny, you must:

Be at least 18 years old.

Be at least 18 years old.

Be at least 18 years old.

Provide accurate and complete registration information.

Provide accurate and complete registration information.

Provide accurate and complete registration information.

Comply with all applicable laws and regulations.

Comply with all applicable laws and regulations.

Comply with all applicable laws and regulations.

Registration
and Security

Account Creation: To access Penny’s features, you must create an account. You are responsible for maintaining the confidentiality of your login information.

Account Creation: To access Penny’s features, you must create an account. You are responsible for maintaining the confidentiality of your login information.

Account Creation: To access Penny’s features, you must create an account. You are responsible for maintaining the confidentiality of your login information.

Account Security: You agree to notify us immediately of any unauthorized use of your account. Penny is not liable for any losses arising from unauthorized access due to your failure to maintain security.

Account Security: You agree to notify us immediately of any unauthorized use of your account. Penny is not liable for any losses arising from unauthorized access due to your failure to maintain security.

Account Security: You agree to notify us immediately of any unauthorized use of your account. Penny is not liable for any losses arising from unauthorized access due to your failure to maintain security.

Account Termination: We reserve the right to suspend or terminate your account if you violate these terms or engage in any behavior that could harm the platform or other users.

Account Termination: We reserve the right to suspend or terminate your account if you violate these terms or engage in any behavior that could harm the platform or other users.

Account Termination: We reserve the right to suspend or terminate your account if you violate these terms or engage in any behavior that could harm the platform or other users.

Subscription Plans
and Payments

Plans: Penny offers two subscription plans — Basic and Premium. Each plan includes different features and tools. Full details are available on our Pricing section.

Plans: Penny offers two subscription plans — Basic and Premium. Each plan includes different features and tools. Full details are available on our Pricing section.

Plans: Penny offers two subscription plans — Basic and Premium. Each plan includes different features and tools. Full details are available on our Pricing section.

Billing: Payments are billed monthly, and fees are non-refundable. You may upgrade, downgrade, or cancel your plan at any time through your account settings.

Billing: Payments are billed monthly, and fees are non-refundable. You may upgrade, downgrade, or cancel your plan at any time through your account settings.

Billing: Payments are billed monthly, and fees are non-refundable. You may upgrade, downgrade, or cancel your plan at any time through your account settings.

Payment Methods: You must provide a valid payment method (credit card or another accepted payment method) to sign up for a paid plan. By subscribing, you authorize Penny to charge your chosen payment method on a recurring basis.

Payment Methods: You must provide a valid payment method (credit card or another accepted payment method) to sign up for a paid plan. By subscribing, you authorize Penny to charge your chosen payment method on a recurring basis.

Payment Methods: You must provide a valid payment method (credit card or another accepted payment method) to sign up for a paid plan. By subscribing, you authorize Penny to charge your chosen payment method on a recurring basis.

Changes to
Services and Pricing

Penny may modify its services or pricing at any time. If changes occur, we will notify you in advance. Continued use of the platform after modifications will constitute acceptance of the updated terms or pricing.

User
Conduct

By using Penny, you agree to:

Use the platform for lawful purposes only.

Use the platform for lawful purposes only.

Use the platform for lawful purposes only.

Not engage in any activities that could harm Penny or other users (e.g., hacking, spamming, or distributing malicious software).

Not engage in any activities that could harm Penny or other users (e.g., hacking, spamming, or distributing malicious software).

Not engage in any activities that could harm Penny or other users (e.g., hacking, spamming, or distributing malicious software).

Not reproduce, duplicate, copy, sell, or resell any part of Penny’s services without written permission.

Not reproduce, duplicate, copy, sell, or resell any part of Penny’s services without written permission.

Not reproduce, duplicate, copy, sell, or resell any part of Penny’s services without written permission.

Privacy and Data
Protection

We are committed to protecting your privacy. Please review our Privacy Policy to understand how we collect, use, and safeguard your personal and financial information.

Support

Expert Help, Anytime You Need

Support

Expert Help, Anytime You Need

Support

Expert Help, Anytime You Need

Live Chat

Instant help via live chat, with faster responses for Premium members.

Chat With Us

Live Chat

Instant help via live chat, with faster responses for Premium members.

Chat With Us

Live Chat

Instant help via live chat, with faster responses for Premium members.

Chat With Us

Email Support

Reach out for more detailed inquiries, and we’ll get back to you within 24 hours.

Write Us

Email Support

Reach out for more detailed inquiries, and we’ll get back to you within 24 hours.

Write Us

Email Support

Reach out for more detailed inquiries, and we’ll get back to you within 24 hours.

Write Us

Phone Support

For Premium users, available Mon-Fri, 9 AM - 6 PM (EST) for urgent assistance.

Call Us

Phone Support

For Premium users, available Mon-Fri, 9 AM - 6 PM (EST) for urgent assistance.

Call Us

Phone Support

For Premium users, available Mon-Fri, 9 AM - 6 PM (EST) for urgent assistance.

Call Us

Get in Touch

We'd Love to Hear from You

Get in Touch

We'd Love to Hear from You

Get in Touch

We'd Love to Hear from You