Privacy Policy

Effective November 9, 2026

The short version

We collect only what we need to run your Pennyfox account and keep your budget in sync.
We never sell your data, show ads, or use third-party trackers or advertising analytics.
Payments are handled by Apple. We never see your card details.
You can export your data or delete your account at any time.

1. Who we are

Pennyfox is a budgeting app for iPhone developed and operated by Farrukh Khakimov ("we", "us"). We are responsible for the personal information processed through the Pennyfox app, the Pennyfox account service and this website (pennyfox.app). This policy explains what we collect, why, and the choices you have.

2. Information we collect

Account information

When you create an account we collect your email address and, if you choose to provide it, your name. If you sign in with Apple, we receive the name and email address Apple shares with us, which may be a private relay address that hides your real email.

Financial records you enter

Everything you add to Pennyfox is stored in your account so it can sync between your devices. This includes transactions, amounts, dates, categories, budgets, savings goals, account names you create, currencies, notes and any other details you choose to add. Pennyfox does not connect to your bank, and we never ask for your bank login details.

Subscription information

If you subscribe to premium features, Apple processes the payment. Apple shares limited information with us, such as the subscription you bought, its status, renewal dates and transaction identifiers, so we can unlock the right features. We never receive your card number or billing address.

Technical information

When the app talks to our servers, we automatically receive basic technical data: your IP address, device model, operating system and app version, and the time of each request. We use this to keep the service secure and working, and to troubleshoot problems.

Messages you send us

If you contact support, we keep your email address and the content of your message so we can help you.

What we don't collect

We don't collect your precise location, contacts, photos, advertising identifiers or browsing history, and we don't use third-party analytics or advertising tools in the app.

3. How we use it

To create and secure your account and let you sign in.
To store your budget data and keep it in sync across your devices.
To provide premium features you've subscribed to.
To answer your questions and send essential service messages, such as account or security notices.
To keep the service reliable and protect it against abuse, fraud and security threats.
To meet legal obligations.

We do not sell your personal information, use it for advertising, or share it for cross-context behavioral advertising. We do not use your financial records to build profiles about you for anyone else.

Legal bases (EEA, UK and similar laws). We process your information to perform our contract with you (running your account and the features you use), for our legitimate interests (keeping the service secure and reliable), to comply with legal obligations, and with your consent where the law requires it.

We share information only with:

Service providers who run infrastructure for us, such as cloud hosting and database providers and an email delivery provider for account messages. They process data only on our instructions and may not use it for their own purposes.
Apple, which handles App Store purchases, subscriptions and Sign in with Apple under its own privacy policy.
Authorities, when we are legally required to, or when it's necessary to protect the rights, safety or property of our users, ourselves or others.
A successor, if Pennyfox is ever sold or transferred. We would tell you in advance, and this policy would continue to apply to your data.

5. Storage, security and retention

Where data is stored. Our servers and service providers may be located in countries other than yours. Where the law requires it, we use appropriate safeguards, such as standard contractual clauses, for international transfers.

Security. Data travels between the app and our servers over encrypted connections (HTTPS), and access to our systems is restricted to what's needed to run the service. No system is perfectly secure, but we work to protect your information and will notify you and the relevant authorities of a data breach where the law requires it.

Retention. We keep your account data for as long as your account is active. When you delete your account, we delete your data from our active systems within 30 days, and from backups within 90 days. Server logs are kept for no more than 90 days unless needed to investigate a security incident. We may keep limited records longer where the law requires it, such as records related to purchases.

6. Your choices and rights

Delete your account: in the app, go to Settings > Account > Delete Account, or email us. This permanently deletes your account and budget data. Deleting your account does not cancel an App Store subscription; manage that in your Apple ID settings.
Export your data: in the app, go to Settings > Export Data, or email us for a copy.
Correct your information: edit it in the app or ask us to update it.

Depending on where you live, you may also have the right to access, correct, delete or receive a copy of your personal information, to object to or restrict certain processing, and to withdraw consent. Residents of the EEA and UK can also complain to their local data protection authority. California residents have the right to know, delete and correct their personal information and to opt out of its sale or sharing; we don't sell or share personal information as those terms are defined. We will never treat you differently for exercising your rights.

To make a request, email support@pennyfox.app. We may need to verify your identity, and we respond within 30 days.

7. Children

Pennyfox is not intended for children under 13, or under the minimum age required in your country to consent to data processing (up to 16 in some EEA countries). We don't knowingly collect personal information from children. If you believe a child has given us personal information, contact us and we will delete it.

8. This website

pennyfox.app does not use cookies, analytics or third-party trackers, and it doesn't load fonts or scripts from other companies. Our hosting provider, Cloudflare, processes visitors' IP addresses and basic request information to deliver the site and protect it from attacks.

9. Changes to this policy

We may update this policy as Pennyfox changes. We'll post the new version here and update the effective date. If the changes are significant, we'll also let you know in the app or by email before they take effect.

10. Contact

Questions or requests about your privacy: support@pennyfox.app
Farrukh Khakimov, Tashkent, Uzbekistan