Terms of Service

pennivault is run by Yves Kwameh in Nigeria. You can reach us at contact@pennivault.xyz. By creating an account you agree to these terms and our Privacy Policy. If you don't agree, don't use pennivault.

pennivault helps you plan a monthly budget and record your income and spending. It isn't a bank, a wallet or a payment service. It doesn't hold your money, connect to your bank account or make payments.

Your balance in pennivault comes from what you record or import. It isn't your bank balance.

pennivault helps you organise your own money. Nothing in it is financial, investment, tax or legal advice. Decisions about your money are yours.

pennivault is free to use today. If we ever introduce paid features, we'll tell you clearly before you're charged for anything, and you'll choose whether to pay.

• You must be at least 16 years old. If you're under 18, you need a parent's or guardian's permission to use pennivault, and you confirm that you have it when you create your account.
• Give accurate details and keep your password safe.
• You're responsible for activity on your account. Tell us straight away if you think someone else has access.

Connecting Gmail is optional. When you connect it, you allow pennivault to read your bank alert emails as described in What we store and the Privacy Policy. Imported transactions are suggestions made by an AI model. They can be wrong or incomplete, so check anything marked Needs attention. You can pause or remove Gmail at any time.

Your budget and transaction data belong to you. You give us permission to store and process them only to run pennivault for you. You can download your transactions as CSV or PDF, and ask us for a copy of the rest.

Don't use pennivault to break the law, attack or overload our systems, access other people's accounts, or scrape or copy the service.

We're improving pennivault all the time, so features may change. We aim to keep it running smoothly but can't promise it will always be available or error-free. We'll give notice of important changes to these terms by email or in the app before they take effect.

You can stop using pennivault and ask to delete your account at any time. We may suspend or close accounts that break these terms. Where reasonable, we'll tell you why first.

We'll run pennivault with reasonable care and skill. Beyond that, we provide it "as is". To the extent the law allows, we aren't liable for losses from relying on figures in the app, from imported transactions being wrong or missing, or from things outside our control.

Nothing in these terms limits our liability for gross negligence or for misleading you, or takes away rights you have under the Federal Competition and Consumer Protection Act or the Nigeria Data Protection Act.

These terms are governed by the laws of the Federal Republic of Nigeria.

If something goes wrong, contact us first and we'll try to fix it. You can also complain to the Federal Competition and Consumer Protection Commission or go to a Nigerian court.

Questions about these terms? Contact us.