Privacy Policy
Last updated: April 2026
1. Introduction
PenniAI ("we", "our", "us") is a mobile application that helps users track their personal expenses through voice input and AI-powered categorization. We are committed to protecting your privacy and handling your information securely and responsibly.
This Privacy Policy describes:
- What information we collect
- How we use it
- Where it is stored
- When it is shared
- Your rights and choices
By using PenniAI, you agree to this Policy.
2. Information We Collect
2.1 Voice and Audio Data
PenniAI captures your voice input for the sole purpose of converting speech into expense transactions. Audio is processed using on-device speech recognition provided by your device's operating system. We do not record, store, or transmit raw audio recordings to our servers.
Transcribed text derived from your voice input is used to extract expense details (amount, merchant, category) and is stored as part of your transaction data.
2.2 Transaction and Financial Data
To provide the core functionality of the app, we store the expense data you log, including:
- Expense amounts
- Merchant or description
- Category assignments
- Date and time of entry
- Budget limits you configure
This data is associated with your account and stored securely in our database.
2.3 Account Information
PenniAI requires an account to sync and store your data. We collect the information you provide when signing in, which may include your name and email address via third-party sign-in providers such as Google.
2.4 Metadata
We may process minimal metadata such as:
- Device model and OS version
- App version
- Error logs and crash reports
Metadata is used only for diagnostics and improving app reliability.
2.5 Subscription Information
Subscription purchases are handled by Apple or Google. We receive limited data such as:
- Product identifier
- Subscription status
- Renewal status
We do not collect or store payment card information.
3. How We Use Information
We use collected information to:
- Convert your voice input into expense transactions
- Categorize and organize your spending
- Display charts, trends, and budget progress
- Sync your data across your devices
- Improve app performance and reliability
- Detect and prevent misuse or technical issues
- Comply with legal obligations
We do not use your information for:
- Advertising or marketing to third parties
- Profiling or behavioral tracking
- Selling or renting data
- Training AI models on your personal financial data
4. Data Storage and Security
4.1 Cloud Storage
Your transaction data, categories, and account information are stored securely in our cloud infrastructure. We employ industry-standard security measures including:
- Encryption in transit (TLS)
- Encryption at rest
- Access controls and authentication
- Data minimization practices
4.2 Voice Processing
Voice input is processed locally on your device using the operating system's built-in speech recognition engine. Raw audio is not uploaded to PenniAI servers. Only the resulting transcribed text is sent to our servers for expense extraction.
4.3 AI Processing
Transcribed text may be sent to a third-party AI provider to extract expense details such as amount, merchant, and category. This data is used solely to perform the requested action and is not retained or used for model training.
5. Data Sharing
We do not sell or share your personal data with third parties except as described below.
5.1 Service Providers
We work with trusted service providers to operate the app, including cloud infrastructure and AI processing providers. These providers are required to:
- Use data solely to perform the contracted service
- Not retain user data beyond what is necessary
- Not use your data for their own purposes
5.2 Legal Compliance
We may disclose information if required by law, subpoena, or court order, or to protect the rights, property, or safety of PenniAI and its users.
6. Data Retention and Deletion
6.1 Your Data
Your transaction data and account information are retained for as long as your account is active. You may delete individual transactions or your entire account at any time from within the app. Deletion is permanent and cannot be reversed.
6.2 Voice and Transcription Data
Raw audio is never stored by PenniAI. Transcribed text used for expense extraction is processed and stored only as the resulting transaction record — not as raw transcription logs.
7. Children's Privacy
PenniAI is not directed to children under the age of 13. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us and we will promptly delete it.
8. Changes to This Policy
We may update this Policy from time to time. We will notify you of significant changes through the app or by updating the "Last updated" date above. Continued use of the app after changes are posted constitutes acceptance of the updated Policy.
9. Contact Us
If you have questions or concerns about this Privacy Policy, contact us at: