Terms and Conditions
Effective Date: 4/9/2026
Welcome to PennyText. By using our service, you agree to the following terms and conditions. Please read them carefully.
1. Description of Service
PennyText is a text-based budgeting assistant that allows users to track spending, receive categorized updates, and monitor budget progress via SMS.
The service is intended for informational and personal budgeting purposes only and does not provide financial, legal, or investment advice.
2. User Responsibilities
By using PennyText, you agree to:
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Provide accurate and truthful information
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Use the service for personal, non-commercial purposes only
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Not misuse or attempt to disrupt the service
You are responsible for all activity associated with your account. You must be at least 18 years old to use this service.
3. SMS Messaging & Consent
By providing your phone number and creating an account, you consent to receive SMS messages from PennyText, including:
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Budget updates
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Transaction categorizations
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Account notifications
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Occasional reminders
Message frequency varies. Message and data rates may apply.
You can opt out at any time by replying STOP, or reply HELP for assistance.
4. Data Usage
Your use of PennyText is also governed by our Privacy Policy. By using the service, you agree to how your data is collected, stored, and processed as described therein.
5. Service Availability
We strive to provide reliable service but do not guarantee uninterrupted or error-free operation.
PennyText may be modified, suspended, or discontinued at any time without notice.
6. Limitation of Liability
PennyText is provided “as is” without warranties of any kind.
We are not liable for:
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Financial decisions made based on the service
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Inaccuracies in categorization or budget tracking
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Any indirect, incidental, or consequential damages
Your use of the service is at your own risk.
7. Account Termination
We reserve the right to suspend or terminate your access to the service at any time if you violate these terms or misuse the platform.
You may stop using the service at any time by discontinuing use or opting out via SMS.
8. Changes to Terms
We may update these Terms and Conditions from time to time. Updates will be posted on the website, and continued use of the service constitutes acceptance of the revised terms.
9. Contact Information
If you have any questions about these Terms and Conditions, please contact us at: