A few simple ground rules.

Pennyhush helps you record and organize spending. It is not a bank, payment service, financial adviser or accounting guarantee. Amounts and budgets reflect the records you enter or choose to import. Verify records against original statements before relying on them.

Use the app lawfully and only with information you are entitled to store or share. Check imported entries, currency conversions and receipt recognition. Protect your device, Apple Account and exports. Keep backups of important records.

Invite only people who should see a Book. Participants can view and modify information according to their role and platform support. Other people may retain copies of records that were shared with them. Agree how you will use a shared Book before inviting others.

Features can depend on iOS version, device support, iCloud availability, storage and permissions. Apple Pay triggers and FinanceKit access vary by device, region and account. Apple’s services have their own terms. Private TestFlight builds may change or expire, and features may be adjusted as the app develops.

Pennyhush’s features are offered free. Device, internet and Apple storage charges may still apply. Your entered records remain yours. The Pennyhush name, artwork and software belong to their respective rights holders; using the app does not transfer those rights.

For help, visit Support. Nothing on this page removes rights that cannot be excluded under applicable law. App Store distribution is also subject to Apple’s applicable platform terms.