Privacy Policy

Information We Collect

We collect the following categories of information:

• Account information. When you create an account, we collect your name, email address, and authentication details needed to secure and operate your account.
• Usage information. We collect information about how you interact with the Service, such as features used, watchlists, saved screens, and in-app preferences.
• Device and technical data. We may collect device identifiers, operating system, app version, and diagnostic data to keep the Service reliable and secure.
• Billing information. Subscription payments are processed by the Apple App Store or Google Play. We do not receive or store your full payment card details.

Penny is built for general market research. Market and securities data shown in the Service is sourced from third-party providers and public records and is not personal information about you.

How We Use Information

We use the information we collect to:

• provide, maintain, and improve the Service;
• create and secure your account and authenticate access;
• deliver features you request, such as watchlists, alerts, and saved screens;
• respond to your support requests and communicate with you;
• monitor performance, prevent fraud and abuse, and protect the security of the Service; and
• comply with legal obligations.

Legal Bases for Processing

Where required by law, we process personal information on legal bases such as performing our contract with you, our legitimate interests in operating and securing the Service, your consent where applicable, and compliance with our legal obligations.

How We Share Information

We do not sell your personal information. We share information only in these circumstances:

• with service providers who process data on our behalf (such as hosting, analytics, and customer support) under confidentiality obligations;
• with app-store platforms that process your subscription;
• when required by law or to respond to valid legal process; and
• in connection with a merger, acquisition, or sale of assets, where information may be transferred subject to this policy.

Data Retention

We retain personal information for as long as your account is active or as needed to provide the Service, comply with our legal obligations, resolve disputes, and enforce our agreements. You may request deletion of your account and associated personal data at any time by contacting us. When you delete your account, we will delete or de-identify your personal data within a reasonable period, except where we must retain it to comply with legal obligations, resolve disputes, or enforce our agreements.

Security

We use reasonable administrative, technical, and organizational measures designed to protect your information. No method of transmission or storage is completely secure, however, and we cannot guarantee absolute security. You are responsible for keeping your account credentials confidential and for any activity that occurs under your account.

Your Rights and Choices

Depending on where you live, you may have rights to access, correct, delete, or restrict or object to the processing of your personal information, request a copy of it in a portable format, and withdraw consent where processing is based on consent. You can manage most account information from within the app, or contact us at getmypenny@mypennyfi.com to exercise these rights. We will respond to your request as required by applicable law and may need to verify your identity before doing so. You may also control push notifications and certain permissions through your device settings. Depending on where you live, you may also have the right to lodge a complaint with your local data protection authority.

Children's Privacy

The Service is not directed to children under 13 (or the minimum age required in your jurisdiction), and we do not knowingly collect personal information from them. If you believe a child has provided us information, please contact us so we can remove it. If we learn that we have collected personal information from a child below the applicable age, we will delete that information and terminate any associated account.

International Users

We may process and store information in countries other than your own. Where we transfer personal information across borders, we take steps to ensure it remains protected consistent with this policy and applicable law.

Changes to This Policy

We may update this Privacy Policy from time to time. When we make material changes, we will update the "Last updated" date above and, where appropriate, provide additional notice. Your continued use of the Service after changes take effect constitutes acceptance of the updated policy.

Contact Us

If you have questions about this Privacy Policy or our data practices, contact us at getmypenny@mypennyfi.com.