Terms of Service

By using Pennypoke ("the Service"), you agree to these terms. They're written in plain language so you can actually read them.

01 What the Service does

Pennypoke parses expense messages and receipt photos and writes the extracted data to your Google Sheet. It's a utility, not financial or tax advice.

02 Accuracy

The Service provides parsed and AI-extracted data as-is. We aim for high accuracy, but parsing and AI extraction can make errors. You are responsible for checking amounts, dates, currencies, and categories before using them for accounting, tax, or any financial purpose. Pennypoke is not liable for errors in extracted data.

03 Acceptable use

You agree to:

• Send only your own expenses, or receipts and invoices you're legally entitled to process.
• Not use the Service for documents containing data you're not authorized to handle (someone else's financial documents without consent).
• Not attempt to reverse-engineer, overload, or abuse the Service.
• Not upload content that's illegal, harmful, or violates third-party rights.

04 Accounts and payment

• Free tier. 20 entries per month, no payment required.
• Pro. $9 per month. Unlimited entries and receipt photo OCR. Cancel anytime.
• Lifetime. $49 once. Everything in Pro, forever, with price locked against future increases.
• Refunds. Monthly subscribers can cancel anytime. We don't prorate the current billing period. Lifetime purchases include a 14-day money-back guarantee if you've processed fewer than 20 entries.
• Payments are processed by Stripe. We never see or store your card details.

05 Your data

You own your expense data. We do not store it (see the Privacy Policy). Extracted data is written to your Google Sheet, which is your property under Google's terms.

06 Service availability

We aim for high uptime but do not guarantee uninterrupted service. Pennypoke depends on third-party APIs (Telegram, Anthropic, Google, Stripe) that can experience downtime. We are not liable for losses caused by service interruptions.

07 Limitation of liability

To the maximum extent permitted by law, Pennypoke's total liability to you for any claims arising from your use of the Service is limited to the amount you paid us in the 12 months before the claim. We are not liable for indirect, incidental, or consequential damages, including lost profits, data loss, or tax penalties from incorrect extractions.

08 Intellectual property

The Service, its code, design, and documentation are ours. Your expense data and Google Sheet content are yours. These terms don't transfer any IP rights in either direction beyond what's needed to provide the Service.

09 Termination

You can stop using the Service any time. We may suspend or terminate access if you violate these terms. On termination, your D1 account row and KV-stored OAuth token are deleted within 48 hours. Your Google Sheet data stays yours.

10 Changes to terms

We may update these terms. Material changes will be communicated on the site at least 30 days before taking effect. Continued use after the effective date counts as acceptance.

11 Governing law

These terms are governed by the laws of the jurisdiction where the Service operator is registered. Disputes will be resolved through binding arbitration or the courts of that jurisdiction.

12 Contact

Questions, email povkonop@gmail.com.