Terms of Service

1. Acceptance of Terms

By accessing and using PennySafe ("the Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

PennySafe is a financial protection application that helps users monitor their bank accounts, set spending thresholds, and receive alerts to prevent overdraft fees. The Service provides:

• Real-time account monitoring
• Customizable spending alerts
• Financial analytics and insights
• Transaction tracking and categorization

3. User Accounts

To use certain features of the Service, you must create an account. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Providing accurate and complete information
• Notifying us immediately of any unauthorized use

4. Privacy and Data Security

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy. We implement industry-standard security measures to protect your data, but no method of transmission over the internet is 100% secure.

5. Financial Information

PennySafe may connect to your bank accounts through secure third-party services. We do not store your banking credentials. All financial data is encrypted and transmitted securely. We are not responsible for any banking fees or charges incurred by your financial institutions.

6. Service Availability

We strive to maintain high service availability but do not guarantee uninterrupted access. The Service may be temporarily unavailable due to maintenance, updates, or technical issues. We are not liable for any damages resulting from service interruptions.

7. User Conduct

You agree not to:

• Use the Service for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the Service
• Share your account credentials with others
• Use the Service to transmit harmful code or content

8. Intellectual Property

The Service and its original content, features, and functionality are owned by PennySafe and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

9. Limitation of Liability

In no event shall PennySafe be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the Service.

10. Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice, for any reason, including breach of these Terms. Upon termination, your right to use the Service will cease immediately.

11. Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of any material changes via email or through the Service. Your continued use of the Service after such modifications constitutes acceptance of the updated terms.

12. Contact Information

If you have any questions about these Terms of Service, please contact us at: