Terms of Service — EveryPenny

Last updated: 21 June 2026 Provider: LLC "Natural Intelligence" (ТОВ «Природній інтелект»), a limited liability company incorporated in Ukraine, company registration number (ЄДРПОУ) 46203933. Registered address: 28e Mykhaila Maksymovycha Street, building 3, apt. 275, Kyiv 03195, Ukraine (вулиця Максимовича Михайла, буд. 28е, корпус 3, кв. 275, м. Київ 03195, 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

EveryPenny offers an optional paid tier, Penny+ (monthly, yearly, or lifetime). A free tier remains available and is offered as-is with no guarantee of continued availability.

You can buy Penny+ in two ways, and who you buy from determines who handles billing, cancellation, and refunds:

• In the app (App Store): Apple is the seller (merchant of record). Subscriptions are sold under Apple's standard terms; manage or cancel in iOS Settings → your name → Subscriptions.
• On our website: payments are processed by our merchant of record, Paddle.com, who appears on your statement and issues any refund.

Prices and any free-trial terms are shown at checkout before you pay.

EU/EEA right of withdrawal (summary). If you are a consumer resident in the EU/EEA (or the UK), you have the right to withdraw from a purchase of Penny+ within 14 days of the contract starting, without giving any reason — Article 9 of Directive 2011/83/EU as transposed locally. However, by starting to use a paid feature during the 14-day period (or by agreeing to immediate access at checkout), you expressly consent to the supply of digital content/services before the period ends and acknowledge that you thereby lose your right of withdrawal once full performance has begun (Art. 16(m) of Directive 2011/83/EU). For App Store purchases this exercise of withdrawal happens through Apple; for website purchases via our merchant of record Paddle, you may also exercise withdrawal directly with us by emailing [email protected]. Full cancellation and refund details — including the model withdrawal form, statutory deadlines, and refund timelines — are in our Refund & Cancellation Policy.

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 ТОВ «Природній інтелект» (LLC "Natural Intelligence") 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 or limits our liability for: (a) death or personal injury caused by our negligence; (b) fraud or fraudulent misrepresentation; (c) gross negligence or wilful misconduct; (d) any statutory conformity or guarantee remedies you have as a consumer under Directive (EU) 2019/770 (digital content and services) or Directive (EU) 2019/771 (sale of goods), as transposed in your country of residence; (e) your right of withdrawal under Directive 2011/83/EU; or (f) any other liability that cannot be excluded or limited under the mandatory consumer-protection law of your country of residence. If any limitation in this section is held unenforceable as to you, the remainder of the section continues to apply to the maximum extent permitted by 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 (or, on iOS, by deleting your Apple ID — Apple notifies us and we treat that as an account deletion). The deletion takes effect immediately: your users row and every record tied to it (accounts, transactions, bank connections, device tokens, sessions) are removed from our live production database within that request. Encrypted database backups continue to hold the pre-deletion state for our hosting provider's backup-retention window (currently 6 hours on our Neon plan) before expiring naturally; we do not access those backups to restore deleted accounts. Security and audit log entries are retained for the period stated in the Privacy Policy, with your userId anonymised on deletion. You may sign in again at any time to create a fresh, empty account, but the deleted data cannot be recovered.

We may terminate your account with 30 days' notice in writing, or immediately for material breach of these Terms (including the prohibited-use rules in §7) or if continued service would expose us or other users to legal or security risk. On termination by us, sections 5, 9, 10, 11, 13 and 14 of these Terms survive.

14. Governing law and jurisdiction

• If you are a consumer resident in the EEA or the United Kingdom: in line with Article 6 of Regulation (EC) No 593/2008 (Rome I) — and, for UK consumers, the analogous protection retained under section 74 of the UK Consumer Rights Act 2015 and the Rome I Regulation as retained in UK law — the choice of Ukrainian law below does not deprive you of the protection afforded by the mandatory consumer-protection provisions of the law of your country of habitual residence, which continue to apply. You may bring proceedings in the courts of your country of habitual residence; for EEA-resident consumers, we may only bring proceedings against you in those same courts (Art. 18 of Regulation (EU) No 1215/2012, Brussels I recast).
• For all other users, 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]