Last Updated: 03.10.2025

Welcome to Penny Echo Finance Tracker (“App”, “we”, “our”, “us”). By downloading or using this App, you agree to these Terms of Use (“Terms”). Please read them carefully. If you do not agree, do not use the App.

1️⃣ Eligibility

• You must be at least 16 years old to use the App.
• If you are under 18, you confirm that you have parental or guardian consent.

2️⃣ Purpose of the App

Penny Echo is a personal finance tracker that allows you to record and manage transactions, including via voice input.

👉 The App is intended for personal use only and does not provide financial, investment, or tax advice.

3️⃣ User Responsibilities

• You are responsible for the accuracy of the data you enter.
• You agree not to misuse the App (e.g., hacking, reverse-engineering, distributing harmful content).
• You must not use the App for unlawful activities.

4️⃣ Privacy and Data Protection

We comply with the General Data Protection Regulation (GDPR – Regulation (EU) 2016/679).

• Data collected: minimum data necessary (account info, usage data, voice input processing).
• Voice data: processed to extract transaction info; not stored longer than necessary.