Last Updated: July 23, 2026
Welcome to PennyFlow ("we", "our", or "us"). PennyFlow is a simple offline expense tracker designed to help users record expenses, organize spending categories, and monitor personal spending habits directly on their device.
We respect your privacy and are committed to protecting it. This Privacy Policy explains how information is handled when you use the PennyFlow mobile application and any related website pages operated by us.
Since PennyFlow does not collect personal information, we do not use personal data for advertising, marketing, analytics, profiling, or resale.
Expense information entered into the app is used solely for displaying and organizing your expenses directly on your device.
If you voluntarily contact us through our website or email, we may use the information you provide to:
PennyFlow is designed to work completely offline. All expense tracking functionality operates directly on your device without requiring an internet connection.
Expense records, categories, notes, and settings remain under your control and are not transmitted to us.
PennyFlow stores expense records and application preferences locally on your device.
We do not provide cloud synchronization, online backups, or remote storage services.
Any locally stored data remains solely on your device unless you choose to export or share it using your device's own features.
The PennyFlow mobile application does not use cookies, advertising identifiers, tracking technologies, fingerprinting methods, or analytics tools.
If this Privacy Policy is viewed through our website, the website may use essential cookies required for normal operation only.
PennyFlow does not display advertisements. No advertising SDKs, ad networks, or ad tracking technologies are used.
PennyFlow does not rely on external APIs, cloud services, advertising SDKs, analytics SDKs, social integrations, or third-party account systems for normal functionality.
The app is intentionally designed to be lightweight, privacy-friendly, and fully offline.
We do not sell, rent, trade, share, or disclose personal information to third parties.
Because we do not collect expense data or personal information, there is generally no user information available for sharing.
Information may only be disclosed if required by applicable law or legal process.
Expense records remain stored on your device and are not stored on our servers.
Application settings such as theme preferences may also be stored locally.
If you uninstall PennyFlow, locally stored data may be removed according to your device and operating system settings.
If you contact us, we may retain communication records for support purposes.
PennyFlow is intended for a general audience and does not knowingly collect personal information from children.
If you believe a child has provided personal information through a support channel, please contact us and we will take reasonable steps to remove such information.
Depending on your location, you may have privacy rights under applicable laws.
Since PennyFlow does not collect personal information during normal use, many privacy-related requests may not apply.
If you have voluntarily provided personal information through support communications, you may contact us regarding correction or deletion requests.
Your expense records belong to you. Expense titles, categories, amounts, notes, and statistics are processed locally and are never transmitted to us.
PennyFlow is provided for personal budgeting and informational purposes only.
The application does not provide financial, accounting, tax, investment, or legal advice.
Users are responsible for verifying financial records and decisions based on information stored within the app.
We may update this Privacy Policy from time to time.
Any updates will be posted on this page and reflected by the updated "Last Updated" date shown above.
If you have questions regarding this Privacy Policy or PennyFlow, please contact us: