Privacy Policy

Last Updated: October 2026.

1. Introduction

PennyPerch ("we," "us," or "our") operates the PennyPerch mobile application and website (the "Service"). This page informs you of our policies regarding the collection, use, and disclosure of data when you use our Service and the choices you have associated with that data.

2. Information We Collect

We collect data to provide, maintain, and improve our financial utility service to you. PennyPerch does not require, support, or allow traditional user account registration or the creation of credentials (such as usernames and passwords).

Types of Data Collected:

• Device Identification: We automatically assign a unique, anonymous, system-generated User ID (UID) to your device to link your data to your app instance securely. We also collect basic device type and operating system information.
• Usage & Transaction Data: We collect information about how you interact with our tools, including app feature usage, time spent, and transaction/budget logs to process your savings analysis.

3. How We Use Your Information

PennyPerch uses the collected data for various operational purposes:

• To maintain and provide your budgeting layout
• To enable our AI Assistant features and smart budget recommendations
• To provide customer support and troubleshoot app issues
• To protect the security and integrity of our systems

4. Data Deletion and App Reset

We believe in full user control over personal data privacy. Because PennyPerch operates entirely on anonymous, device-linked profiles without account sign-ins, you have the ability to execute an absolute data erasure at any time directly from your device.

To permanently wipe all your transaction histories, savings logs, custom settings, and cloud backup data from our secure databases, open the app, navigate to the Settings menu, scroll to the bottom, and tap the Reset Data button. This action triggers an automated, irreversible purge across our active database systems.

For data deletion inquiries or manual assistance, you may also reach out to us at contact@pennyperch.com.

5. Disclosure of Your Information

We may disclose your information strictly under the following scenarios:

• By Law: If required by legal authorities or to comply with statutory legal obligations.
• Service Providers: With third-party infrastructure providers (such as secure database and AI model services) that host or process backend functionalities for the application.

6. Security of Your Information

The security of your data is important to us. We utilise industry-standard encryption protocols (such as HTTPS/TLS) to secure all information transmitted in transit. While we strive to protect your data, no method of electronic storage or transmission over the internet is completely bulletproof, and we cannot guarantee absolute database security.

7. Contact Us

If you have any questions or feedback regarding this Privacy Policy, please contact us at:

PennyPerch Privacy Team
Email: contact@pennyperch.com.