Terms of Service

By using Pennypoke ("the Service"), you agree to these terms. They're written in plain language so you can actually read them.

01 What the Service does

Pennypoke parses expense messages and receipt photos and writes the extracted data to your Google Sheet. It's a utility, not financial or tax advice.

02 Accuracy

The Service provides parsed and AI-extracted data as-is. We aim for high accuracy, but parsing and AI extraction can make errors. You are responsible for checking amounts, dates, currencies, and categories before using them for accounting, tax, or any financial purpose. Pennypoke is not liable for errors in extracted data.

03 Acceptable use

You agree to:

• Send only your own expenses, or receipts and invoices you're legally entitled to process.
• Not use the Service for documents containing data you're not authorized to handle (someone else's financial documents without consent).
• Not attempt to reverse-engineer, overload, or abuse the Service.
• Not upload content that's illegal, harmful, or violates third-party rights.

04 Accounts and payment

• Free tier. 20 entries per month, no payment required.
• Pro. $9.99 per month, billed monthly. Renews automatically until you cancel. Cancel any time from the receipt email or by writing to [email protected]. Unlimited entries and receipt photo OCR.
• Lifetime. $59.99 once during the launch window through July 31, 2026. Price increases after the launch window closes; buyers in the window keep the original price for the lifetime of the Service. Everything in Pro for the lifetime of the Service.
• Merchant of Record. Pennypoke is sold through Polar Software Inc. (3500 South DuPont Highway, Dover, DE 19901, USA), which acts as the Merchant of Record. When you buy Pro or Lifetime you transact with Polar, not directly with the operator named in section 11. Polar handles billing, VAT collection, invoicing, refunds, and chargebacks under the Polar Buyer Terms and Polar Privacy Policy.
• Refunds. Monthly subscribers can cancel any time. We do not prorate the current billing period. Lifetime purchases include a 14-day money-back guarantee for buyers who have processed fewer than 20 entries. Refund requests can be sent to [email protected] or [email protected].
• EU 14-day right of withdrawal. EU consumers ordinarily have a 14-day right to withdraw from distance contracts. Pennypoke is a digital service that performs immediately on activation. By activating your code you acknowledge that performance has begun and you waive the right of withdrawal as permitted under Article 16(m) of Directive 2011/83/EU. Refund policies above remain available regardless.
• Activation codes. A successful purchase issues a one-time activation code emailed by Polar. The code is bound to the first Pennypoke account that activates it (Telegram chat or webapp profile) and is non-transferable. Lost codes can be re-fetched at pennypoke.com/success.html using the email used at checkout. Pennypoke reserves the right to deactivate any code obtained through chargeback, fraud, or breach of these terms.

05 Your data

You own your expense data. We do not store it (see the Privacy Policy). Extracted data is written to your Google Sheet, which is your property under Google's terms.

06 Service availability

We aim for high uptime but do not guarantee uninterrupted service. Pennypoke depends on third-party APIs (Telegram, Anthropic, Google, Polar, Cloudflare) that can experience downtime. We are not liable for losses caused by service interruptions.

07 Limitation of liability

To the maximum extent permitted by law, Pennypoke's total liability to you for any claims arising from your use of the Service is limited to the amount you paid us in the 12 months before the claim. We are not liable for indirect, incidental, or consequential damages, including lost profits, data loss, or tax penalties from incorrect extractions.

08 Intellectual property

The Service, its code, design, and documentation are ours. Your expense data and Google Sheet content are yours. These terms don't transfer any IP rights in either direction beyond what's needed to provide the Service.

09 Termination

You can stop using the Service any time. We may suspend or terminate access if you violate these terms. When you request deletion of a splitter account, we mark it for permanent deletion and revoke all sessions immediately; the account row and any related splitter records (groups you own, memberships, expenses, settlements, invitations) are hard-deleted after a 30-day grace period during which you can still cancel the request by signing in again. The Telegram-bot side keeps no expense data on our server in the first place, and the encrypted Google OAuth token in Cloudflare KV is purged within 48 hours of an explicit revoke. Your Google Sheet data stays yours.

10 Changes to terms

We may update these terms. Material changes will be communicated on the site at least 30 days before taking effect. Continued use after the effective date counts as acceptance.

11 Governing law and operator

The Service is operated by Povilas Konopackas, individual activity in the Republic of Lithuania, contact [email protected]. These terms are governed by the laws of the Republic of Lithuania. Disputes are subject to the courts of Vilnius, Lithuania, except that EU consumers retain the consumer-protection rights of their country of residence under Rome I Regulation Article 6.

12 Contact

Questions, email [email protected].