Terms of Service — EveryPenny

Last updated: 1 June 2026 Provider: ФОП Ольховатий Ігор Васильович, вулиця Максимовича Михайла, буд. 28е, під'їзд 3, кв. 375, м. Київ 01001, Україна. Contact: [email protected]

1. What EveryPenny is

EveryPenny is a personal-finance tracker for iOS. You can record your income and spending by hand, or let the app read that data automatically from banks that expose a read-only data API. EveryPenny is read-only — it can look at your money; it cannot move it.

EveryPenny is not a bank. It is not a payment institution. It does not give investment advice. It does not offer credit.

2. Who can use it

• You must be at least 16 years old.
• You must sign in with one of the supported providers: Apple ID, Google account, or email (we send a single-use magic link to confirm the address — no password is created or stored).
• If you connect a bank, you must be the account holder (or have explicit permission from the account holder to read the data).
• You must use the app for lawful personal purposes. Commercial resale or automated scraping of the API is prohibited.

3. Your account

When you sign in, we create an account keyed to your provider's identifier (Apple's anonymous user id, Google's sub, or our internal id for email magic-link). You authorise us to store and process your data as described in the Privacy Policy.

You may hold only one active account at a time per provider. If you sign in to an existing email with a second provider (for example, Apple first and then Google later with the same address), we link the two so you stay on one account rather than splitting your data. You are responsible for keeping the underlying provider account secure — we cannot reset access independently of Apple, Google, or your email inbox.

4. Bank connections

If you choose to connect a bank account, you do so via:

• Monobank (Ukraine) — where Monobank has granted us Corporate API access, you connect by tapping a link that opens your Monobank app, where you confirm consent. Monobank then sends transaction events to us via an authorised webhook as they happen. As a fallback (and for users who prefer it), you can connect by generating a read-only personal token in the Monobank web portal and pasting it into EveryPenny. Either way, the access is read-only — Monobank's APIs do not allow us to initiate payments.
• Enable Banking (EEA) — for EEA banks, you complete your bank's Strong Customer Authentication in your usual web browser and are returned to EveryPenny. The connection is read-only and bound to a consent that you can revoke at any time.

You can disconnect any bank at any time from the Accounts tab. Long-pressing an individual bank account also lets you remove just that account while leaving the rest of the connection intact (useful when one card is closed but the rest of the bank's accounts are still active). Any disconnect or remove revokes the relevant access immediately and deletes the associated data on our side. Additional bank providers will be added over time; each will be subject to the same read-only rule.

5. Accuracy of data

EveryPenny displays data that we receive from your bank or that you enter manually. We do our best to display it correctly, but we cannot guarantee that the data we receive from your bank is complete, up-to-date, or error-free. Your bank is the authoritative source. If there is a discrepancy, trust your bank.

Do not make financial decisions based solely on what EveryPenny shows. The app is a convenience, not an accounting record. In particular:

• Pending transactions may appear and then change or disappear.
• Balances may lag by hours.
• Categories and merchant names are auto-assigned heuristically and may be wrong.

6. Subscriptions and payments

If EveryPenny offers a paid tier in the future, subscriptions will be sold through the App Store under Apple's standard terms. Any free tier is offered as-is with no guarantee of continued availability.

At the time of this version, EveryPenny is entirely free with no in-app purchases.

7. Prohibited use

You agree not to:

• Reverse-engineer the app or the backend API beyond what is permitted by applicable law (Art. 6 EU Software Directive).
• Attempt to access another user's data.
• Attempt to inject malicious data, scan for vulnerabilities without coordinated disclosure, or otherwise interfere with service availability.
• Use the app to violate any law applicable to you.
• Share your account with another person.

We may suspend or delete your account if we detect violation of this section. In cases where we believe a crime has been committed, we cooperate with law enforcement to the extent required by Ukrainian or EU law.

8. Service availability

We target 99.5 % monthly uptime on the backend API. There is no SLA; EveryPenny is offered as-is without warranty. Expect occasional maintenance windows, ideally announced in-app in advance.

9. Intellectual property

EveryPenny's source code (the compiled app, the backend, and all documentation) is owned by ФОП Ольховатий Ігор Васильович and licensed to you for personal use while your account is active. You may not redistribute the code, reverse-engineer the app outside Art. 6 exceptions, or re-use it to build a competing product.

Third-party open-source dependencies are used under their respective licences; their acknowledgements are available on request.

10. Limitation of liability

To the maximum extent permitted by law:

• EveryPenny is provided "as is" without warranty of any kind.
• We are not liable for any losses you suffer as a result of acting on information the app shows you, including but not limited to overdrafts, missed payments, or financial planning decisions.
• We are not liable for outages of your bank, of Apple, or of any other third-party sub-processor we depend on.
• Our total liability to you, under any theory, is capped at €50 or the amount you have paid us in the 12 months before the event, whichever is higher.

Nothing in this section excludes liability for death or personal injury caused by our negligence, for fraud, or for any liability that cannot be excluded under EU or Ukrainian consumer-protection law.

11. Data protection

Your personal data is processed in accordance with our Privacy Policy, which is incorporated into these Terms by reference. If you disagree with the Privacy Policy, you must stop using the app.

12. Changes

We may update these Terms. Material changes will be announced in-app at least 14 days in advance, and you will be asked to re-accept. If you do not accept, you can continue using the app under the previous version until the end of your current billing period (if any) or delete your account.

13. Termination

You may terminate your account at any time by tapping "Delete Account" in Settings. This takes effect immediately: your users row and every record tied to it are removed from our production database within the request. You can sign back in with Apple at any point to create a fresh, empty account (you won't recover any data from the deleted one — it's gone).

We may terminate your account with 30 days' notice, or immediately for material breach of these Terms.

14. Governing law and jurisdiction

• If you are a consumer resident in the EEA, mandatory consumer-protection law of your country of residence applies and you may bring claims in your local courts.
• For all other cases, these Terms are governed by the law of Ukraine and exclusive jurisdiction lies with the courts of Kyiv, Ukraine.

15. Contact

For any question about these Terms: [email protected]