Terms of Service

1. Eligibility

You must be at least 18 years old and able to form a binding contract to use the Service. By using the Service, you represent that you meet these requirements and that the information you provide is accurate.

2. What the Service is — and is not

The Penny Tracker is a personal finance tracking tool that lets you manually record and organize financial information — accounts, balances, transactions, budgets, savings goals, debts, and similar data — and view summaries, charts, and projections based on what you enter.

The Service does not connect to, link with, or access any bank, credit card, brokerage, or other financial institution. You create your own accounts within the app and enter or update all balances and transactions yourself (or by importing a file you provide). We do not retrieve, verify, or have access to your real financial accounts or balances, and we do not use any external bank, market, or pricing data. The Service is not a bank, lender, broker-dealer, money transmitter, tax preparer, or financial institution, and it does not hold or move your money.

3. Not financial advice; estimates only

The Service is provided for personal informational and organizational purposes only. It does not provide financial, investment, tax, accounting, or legal advice, and nothing in the Service should be relied upon as such. Any numbers, projections, budgets, payoff schedules, net-worth figures, or other outputs are estimates generated from the data you enter and may be inaccurate or incomplete. They are not recommendations to take or refrain from any financial action.

In particular, our calculators and projections — including mortgage and amortization schedules, debt-payoff timelines, savings projections, net-worth figures, and home-value or appreciation estimates — are generated solely from the inputs and assumptions you provide. They are estimates, not guarantees or predictions, and your actual results will differ. Outputs are only as accurate as the information you enter. You are solely responsible for your own financial decisions, and you should consult a qualified professional before making them.

4. Your account and your data

You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. You are solely responsible for the accuracy, completeness, and legality of the information you enter into the Service. We are not responsible for any loss or consequence arising from inaccurate, incomplete, or out-of-date information that you (or anyone using your account) provide. You agree to notify us promptly of any unauthorized use of your account.

5. Your content

The Service lets you upload content, such as receipt images or PDFs and import files (your “Content”). You retain ownership of your Content. By uploading it, you represent and warrant that you own it or have the necessary rights to upload it, and that it does not violate any law or any third party’s rights. You grant us a worldwide, non-exclusive, royalty-free license to host, store, process (including through automated and AI tools), reproduce, and display your Content solely to operate and provide the Service to you. You are solely responsible for your Content, and we may remove or refuse any Content we believe violates these Terms or applicable law.

6. AI-assisted features

The Service offers optional features that use automated and artificial-intelligence tools to categorize transactions, extract information from receipts, and generate financial summaries and commentary. These outputs are produced automatically, may be inaccurate, incomplete, or misleading, and are not professional advice. You are responsible for reviewing and verifying any AI-generated output before relying on it. We may limit, throttle, meter, or change AI-assisted features (including usage caps) at any time.

7. Subscriptions, billing, and refunds

Certain features may require a paid subscription. If you subscribe, you authorize us and our payment processor to charge the applicable fees, including any recurring charges, to your payment method. Subscriptions automatically renew for successive periods (monthly or annual, as selected) at the then-current price until you cancel. You may cancel at any time, effective at the end of your current billing period; cancellation stops future charges but does not retroactively refund the current period. Except where required by law, all fees are non-refundable. We may change our prices or plans on a going-forward basis, with notice as required by law.

8. Acceptable use

You agree not to:

• use the Service for any unlawful, fraudulent, or unauthorized purpose;
• attempt to access another user’s account or data;
• interfere with, disrupt, probe, or overload the Service or its infrastructure;
• reverse engineer, scrape, copy, or resell the Service except as permitted by law; or
• upload content that infringes others’ rights or contains malicious code.

We may suspend or terminate accounts that violate these Terms.

9. Intellectual property

The Service, including its software, design, and content (excluding the data and Content you provide), is owned by us and protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your personal use, subject to these Terms. You retain ownership of the data and Content you provide, and you grant us the limited rights described in Section 5 necessary to operate the Service for you.

10. Third-party services

The Service relies on third-party providers (for example, authentication, hosting, payments, and AI processing — see our Privacy Policy). We are not responsible for the acts, omissions, availability, or content of third parties, and your use of their services may be subject to their own terms.

11. Disclaimer of warranties

The Service is provided “as is” and “as available,” without warranties of any kind, whether express, implied, or statutory, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, secure, or that any information, calculation, or output (including AI-generated output) will be accurate, reliable, or complete. You use the Service at your own risk.

12. Limitation of liability

To the maximum extent permitted by law, in no event will KME Software, LLC, or its members, officers, employees, or service providers be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, data, goodwill, or other intangible losses, arising out of or relating to your use of (or inability to use) the Service or any financial decision you make, whether based on warranty, contract, tort, or any other legal theory, even if we have been advised of the possibility of such damages.

To the maximum extent permitted by law, our total aggregate liability for all claims relating to the Service will not exceed the greater of (a) the amount you paid us for the Service in the twelve (12) months before the event giving rise to the claim, or (b) one hundred U.S. dollars ($100).

Some jurisdictions do not allow certain limitations, so some of the above may not apply to you; in that case, our liability is limited to the greatest extent permitted by law.

13. Indemnification

You agree to indemnify and hold harmless KME Software, LLC and its members, officers, employees, and service providers from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of the Service, your data or Content, your violation of these Terms, or your violation of any law or the rights of any third party.

14. Termination

You may stop using the Service and request deletion of your account at any time. We may suspend or terminate your access to the Service at any time, with or without cause or notice, including if we believe you have violated these Terms. Sections that by their nature should survive termination (including ownership, disclaimers, limitation of liability, and indemnification) will survive.

15. Governing law and disputes

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws rules. Before filing a claim, you agree to first contact us at support@thepennytracker.com and attempt to resolve the dispute informally. Any dispute that cannot be resolved informally will be brought exclusively in the state or federal courts located in Texas, and you consent to their jurisdiction and venue.

16. Changes to these Terms

We may update these Terms from time to time. If we make material changes, we will update the “Last updated” date above and, where appropriate, notify you. Your continued use of the Service after changes take effect means you accept the updated Terms.

17. Contact us

KME Software, LLC
The Penny Tracker
support@thepennytracker.com