Terms of use

Effective September 24, 2026. Pennykin is provided by Zagir Nurgaliev. Contact: zagamaza2025@gmail.com.

Using Pennykin

Pennykin helps you record and organize a personal or shared budget. It does not connect to a bank, move money or provide financial advice. Budget amounts and saved exchange rates depend on the information you enter. Keep your own copies of information you consider important.

Free and Plus

Free budgeting works locally without an account. Plus enables synchronization and family sharing. One organizer's active subscription covers up to six people in a family. You choose which families to upload and whom to invite. Shared members can change shared budget data.

App Store prices and billing periods are displayed before purchase. Subscriptions renew automatically unless canceled through Apple subscription settings before renewal. Restore Purchases checks an existing purchase. Apple handles billing and refund requests. Deleting Pennykin or its account does not cancel an Apple subscription.

When paid access ends, synchronization and new invitations stop. Each device retains its local data. Returning to sync may require you to choose between conflicting edits.

Account and service

Keep access to your Apple or Google account secure. Do not access another person's budget without permission or interfere with the service. Account deletion removes the cloud families you own and ends other members' access to them; local copies can remain.

Availability may be affected by maintenance, network conditions or provider outages. These terms do not limit any mandatory consumer rights. The app is also licensed under Apple's Standard Licensed Application End User License Agreement. See our privacy policy for data handling.