Last Updated: January 23, 2025
Welcome to Penny Sense. By accessing or using our financial management and receipt processing services ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Service.
These Terms constitute a legally binding agreement between you and Penny Sense ("we," "our," or "us"). We reserve the right to update these Terms at any time, and your continued use of the Service constitutes acceptance of any changes.
Penny Sense provides:
To use our Service, you must:
You may not share your account credentials or allow others to access your account. You are responsible for maintaining the confidentiality of your password.
By providing and verifying your mobile phone number, you consent to receive SMS/MMS messages from Penny Sense for receipt processing purposes.
You may opt out of SMS messages at any time by:
After opting out, you will receive one final confirmation message, and then no further messages unless you re-verify your phone number.
For help with SMS services:
Our SMS service supports all major US carriers including AT&T, T-Mobile, Verizon, Sprint, Boost, Cricket, MetroPCS, U.S. Cellular, and others. Not all carriers are guaranteed to be supported.
You agree not to:
All content, features, and functionality of the Service, including but not limited to text, graphics, logos, icons, images, audio clips, software, and data compilations, are the exclusive property of Penny Sense or its licensors and are protected by copyright, trademark, and other intellectual property laws.
You retain ownership of the content you upload (receipts, transaction data), but you grant us a license to use, process, and store this content to provide the Service.
By uploading content to our Service, you represent and warrant that:
We reserve the right to remove any content that violates these Terms or is otherwise objectionable.
Our Service uses artificial intelligence to extract data from receipts and categorize expenses. While we strive for accuracy, AI-generated results may contain errors. You are responsible for reviewing and verifying all data extracted by our AI systems.
PENNY SENSE IS NOT A FINANCIAL ADVISOR, ACCOUNTANT, OR TAX PROFESSIONAL.
Our Service provides tools for organizing and tracking financial information, but we do not provide financial, accounting, tax, or legal advice. You should consult with qualified professionals for advice specific to your situation.
We are not responsible for any financial decisions you make based on information provided by our Service.
Some features of our Service may require payment of fees. By subscribing to a paid plan:
We may terminate or suspend your account at any time, with or without notice, for:
You may terminate your account at any time through your account settings or by contacting us. Upon termination, your right to use the Service will immediately cease.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
We do not warrant that:
TO THE MAXIMUM EXTENT PERMITTED BY LAW, PENNY SENSE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR OTHER INTANGIBLE LOSSES.
Our total liability to you for any claims arising from your use of the Service shall not exceed the amount you paid us in the 12 months prior to the claim.
You agree to indemnify, defend, and hold harmless Penny Sense and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including legal fees) arising from:
Our Service may integrate with third-party services (e.g., SMS providers, AI processors, payment processors). We are not responsible for the availability, accuracy, or content of these third-party services. Your use of third-party services is subject to their respective terms and conditions.
Your use of the Service is also governed by our Privacy Policy, available at https://penny-sense.com/privacy. Please review our Privacy Policy to understand how we collect, use, and protect your information.
These Terms shall be governed by and construed in accordance with the laws of the State of [Your State], without regard to its conflict of law provisions.
Any disputes arising from these Terms or the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive relief in court.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Penny Sense regarding the Service and supersede all prior agreements and understandings.
If you have questions about these Terms, please contact us:
By using Penny Sense, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.