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Terms of Service

Last updated: 2026-05-17

These Terms of Service ("Terms") govern your access to and use of PennyPulse — the website at pennypulse.io and the application at app.pennypulse.io (together, the "Service"). By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. The Service

PennyPulse is a personal income and expense tracking application. It is intended for individual budgeting and financial awareness. It is not a tax tool, an investment advisor, or a regulated financial service. Decisions you make based on what you see in PennyPulse are your own.

2. Eligibility

You must be at least 16 years old to create an account. If you are using the Service on behalf of an organisation, you confirm you are authorised to do so and to bind that organisation to these Terms.

3. Your account

You are responsible for keeping your password and account secure. You must notify us promptly at hello@pennypulse.io if you believe your account has been compromised. You may not share your account with other people; create a separate account for each user.

4. Acceptable use

You agree not to:

  • Use the Service to violate any law or third-party right.
  • Attempt to disrupt the Service or its infrastructure (denial-of-service, malware, exploitation of vulnerabilities outside a responsible-disclosure context).
  • Reverse engineer, scrape, or programmatically access the Service except via published, documented endpoints.
  • Submit data to the Service that you do not have the right to submit.
  • Resell, sublicense, or wrap the Service into a competing offering without our prior written permission.

We may suspend or terminate accounts that violate these rules; if we do, we will tell you why where possible.

5. Subscriptions and payment

PennyPulse offers a free tier and paid subscription tiers ("Plans"). Plan details, prices, and features are shown at the time of purchase. Paid Plans are billed monthly or yearly in advance via Stripe.

Subscriptions renew automatically at the end of each billing period at the then-current price for that Plan, until you cancel. You can cancel anytime from within your account; cancellation takes effect at the end of the current paid period, and you retain access until then.

Right of withdrawal (Widerrufsrecht): if you are a consumer in the EU, you have the right to withdraw from your purchase within 14 days of subscribing, without giving any reason. To exercise this right, send us an email at hello@pennypulse.io with a clear statement of your decision to withdraw. We will refund all payments received from you, using the same payment method as the original transaction, within 14 days of receiving your notice. There are no fees for the refund. After the 14-day withdrawal period, fees already paid are non-refundable except where required by law or where we agree at our discretion. This implements §§ 312g, 355, 357 BGB and Article 246a § 1 EGBGB-InfoV.

We may change Plan prices or features. If we do, we will give you at least 30 days' notice by email, and the change will take effect at your next renewal — you can cancel before then if you don't want to continue.

6. Beta features

Some parts of the Service may be marked "beta" or similar. Beta features are provided as-is, may change or be removed without notice, and may have higher rates of bugs or downtime than the rest of the Service. Use them accordingly.

7. Your data

You own the data you enter into PennyPulse. By using the Service, you grant us a limited licence to host, process, back up, and display your data solely as needed to operate the Service for you. We do not use your data to train models, sell to third parties, or for advertising. See our Privacy Policy for full details on how we handle personal data.

You can export all your transaction data as CSV from within the Service at any time. If you delete your account, your data is deleted within 30 days, subject to legal retention requirements for billing records.

8. Intellectual property

The Service, including its design, code, content, and trademarks, is owned by the controller named in our Imprint and is protected by intellectual-property laws. Nothing in these Terms transfers ownership of the Service to you.

9. Service availability

We aim to keep the Service running smoothly but do not guarantee specific uptime, performance, or absence of bugs. We may perform maintenance, deploy changes, or temporarily limit features — we will try to minimise user-visible impact and announce planned downtime where practical.

10. Disclaimer of warranties

To the maximum extent permitted by law, the Service is provided "as is" and "as available", without warranties of any kind, whether express or implied — including warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or fit any specific financial situation.

11. Limitation of liability

To the extent permitted by law, we are liable for damages only:

  • In cases of intent or gross negligence on our part;
  • For damages caused by a breach of a "cardinal duty" (eine wesentliche Vertragspflicht), limited to foreseeable damages typical of this kind of contract;
  • Where mandatory statutory provisions (such as the German Product Liability Act) require liability;
  • For personal injury, life, or health damages.

Any other liability — in particular for indirect, consequential, or purely financial damages — is excluded to the extent permitted by law. Nothing in these Terms limits liabilities that cannot be limited by law.

12. Termination

You can stop using the Service or delete your account at any time. We may terminate or suspend your account if you materially breach these Terms, if we are required to by law, or if we discontinue the Service. Where reasonable, we will give you notice and a chance to remedy first. Sections that by their nature survive termination (e.g. liability, governing law, your data ownership) continue to apply.

13. Governing law and jurisdiction

These Terms are governed by the laws of the Federal Republic of Germany, excluding its conflict-of-laws rules and the UN Convention on Contracts for the International Sale of Goods (CISG). If you are a consumer resident in another EU member state, you are additionally protected by the mandatory consumer-protection provisions of your country of residence.

Disputes arising from these Terms will be brought before the competent courts at the controller's place of business in Germany, to the extent permitted by mandatory consumer-protection law.

The European Commission provides an online dispute resolution platform at ec.europa.eu/consumers/odr. We are not obliged and not generally willing to participate in dispute resolution proceedings before a consumer arbitration board.

14. Changes to these Terms

We may update these Terms from time to time. For material changes, we will notify you by email at least 30 days before they take effect. If you don't agree with the changes, you can terminate your account before they take effect; continuing to use the Service after the effective date means you accept the new Terms.

15. Contact

Questions about these Terms: hello@pennypulse.io.