Account details you give us: your name and email address. If you join the waitlist, that's all we hold.

Budget data you create in the app: categories, limits, transactions and goals that you enter or import.

Your bank login credentials. PennyVault has no bank linking — we never ask for, receive, or store them.

We do not sell your data, share it with advertisers, or run third-party tracking scripts.

To run the product: to calculate your Safe-to-Spend, show budgets, and sync across your devices.

To contact you about the service — launch news, security notices and support replies. You can unsubscribe from non-essential email at any time.

Data is encrypted in transit and at rest, and protected by row-level security so one account can never read another's data.

We keep your data only for as long as you have an account. Delete your account and it is removed.

You can export all of your data as CSV at any time, correct anything that's wrong, or delete your account and its data outright.

Questions about privacy? Email us and a human will reply — see the Contact page.