Terms of Service

These Terms of Service (“Terms”) govern your use of the PennyBot application and related services. By creating an account or using the service, you accept these Terms. If you do not accept them, do not use the service.

You must be at least 18 years old and able to form a binding contract to use PennyBot. The service is currently offered to residents of the United States only.

You are responsible for the accuracy of the information you provide and for all activity under your account. Keep your sign-in credentials confidential.

PennyBot uses Plaid Inc. to connect to your financial institutions. By linking an account you authorize us and Plaid to access and retrieve information from that institution on your behalf, and you agree to Plaid’s own privacy policy. You may disconnect an institution at any time from Settings.

Account data is provided by your financial institutions and their aggregators. It may be delayed, incomplete, or inaccurate, and we do not control or guarantee it. Always treat your bank’s own records as authoritative.

PennyBot is an informational tool, not a financial advisor, broker, tax advisor, or lender. Safe-to-Spend figures, forecasts, insights, and assistant responses are automatically generated estimates and may be wrong. They are not investment, tax, legal, or financial advice, and nothing in the service creates a fiduciary relationship.

You are solely responsible for your financial decisions. Consult a qualified professional before acting on anything you see in PennyBot.

You agree not to:

• Use the service for any unlawful, fraudulent, or abusive purpose.
• Access accounts or data you are not authorized to access.
• Reverse engineer, scrape, or attempt to derive source code except as permitted by law.
• Interfere with, overload, or circumvent rate limits or security controls.
• Resell or redistribute the service or its output without our written permission.

PennyBot may offer both free and paid plans. Pricing, billing intervals, and renewal terms for any paid plan will be disclosed before purchase. Unless stated otherwise, fees are non-refundable and subscriptions renew automatically until cancelled.

The service, including its software, design, and content, 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, non-commercial purposes. You retain ownership of the content you submit and grant us a license to use it solely to operate and improve the service.

The service integrates third-party providers for bank connectivity, authentication, hosting, and AI processing. Their services are governed by their own terms, and we are not responsible for their acts or omissions.

The service is provided “as is” and “as available” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the service will be uninterrupted, secure, or error-free.

To the maximum extent permitted by law, PennyBot and its affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenues, data, or financial losses arising from your use of the service. Our total aggregate liability will not exceed the greater of the amounts you paid us in the twelve months preceding the claim or one hundred U.S. dollars.

You agree to indemnify and hold us harmless from any claims, damages, and expenses arising out of your use of the service or your violation of these Terms.

You may stop using PennyBot and delete your account at any time. We may suspend or terminate your access if you violate these Terms or if we discontinue the service. Provisions that by their nature should survive termination will survive.

We may modify these Terms from time to time. We will revise the “Last updated” date above and, for material changes, provide notice in the application. Continued use after changes take effect constitutes acceptance.