Terms of use

Effective date: 2026-11-12

Pennow is provided by Pennow, US. Contact support@pnnnow.app. By using Pennow, you agree to these terms and acknowledge our privacy policy. Mandatory consumer rights in your country remain unaffected.

The service

Pennow is a personal bookkeeping tool. You can record entries locally, use supported AI providers, and access optional paid cloud features. Pennow does not hold or transfer your money, connect to your bank to initiate payments, or provide financial, tax, investment or accounting advice. You are responsible for reviewing amounts, currencies, categories and AI-generated entries before relying on them.

You must be at least 13 and meet any higher minimum age or consent requirements that apply where you live. Keep your sign-in access and integration tokens secure. Use only information and materials you are entitled to submit. Do not use the service unlawfully, attempt to access another person's data, bypass usage limits, distribute malicious content or disrupt the service.

Your data and third-party services

You retain your rights to your entries and submitted content. You grant us permission to process it only as needed to provide, secure and maintain the features you use, as described in our privacy policy. Keep exports or backups when you need an independent copy. Device loss, removed local files and incomplete sync can affect data availability.

When you use your own AI provider, you supply your own credentials and are responsible for that provider's terms, availability and fees. Apple, Google, RevenueCat and linked messaging platforms have their own terms. Features can vary by platform, device support, region and service availability. AI outputs can be incorrect or incomplete and are not a guarantee of accuracy.

Pennow Pro

Pennow offers a single Pro tier with monthly and annual subscription options. The purchase screen shows the current store price, billing period, eligible trial, taxes and included features before you confirm. Official AI has usage limits shown in the app; Pro does not promise unlimited requests. Your own AI provider's charges are separate.

Payment and renewal are handled by your store account. Subscriptions renew automatically unless you cancel through Google Play or Apple before the applicable renewal deadline. An eligible free trial converts to the displayed paid subscription unless canceled before the trial ends. A trial is available only when offered to your store account; it is not guaranteed for every user. Plan changes and their effective dates follow the store's rules.

Manage or cancel through the app's subscription management action or your store account. Manage Google Play subscriptions or manage Apple subscriptions. Cancellation generally prevents the next renewal and keeps access until the current paid period ends, subject to store rules. Refund requests are handled under the store's policy and applicable law. Uninstalling Pennow or deleting your Pennow account does not cancel a store subscription. Account deletion is available regardless of subscription cancellation.

Availability and termination

We aim to keep the service available, but outages, maintenance and provider failures can occur. Local bookkeeping can be used offline; cloud and third-party features require connectivity. We may change features or suspend access to address abuse, security risks or legal requirements. We will provide notice where practicable and any remedies required by applicable law. You may stop using Pennow and request deletion at any time.

Responsibility and changes

To the extent permitted by applicable law, the service is provided as available without a promise that it will be uninterrupted or free of errors. Nothing in these terms excludes liability or remedies that cannot legally be excluded, including mandatory consumer protections. We do not limit your statutory refund, data protection or dispute-resolution rights through these terms.

We may update these terms. The current text and effective date will be published here, with additional notice for material changes where required. Contact support@pnnnow.app with a complaint or question so we can investigate.