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

• The Service is free. Every feature is available at no charge: unlimited groups, members and expenses on the splitter, and unlimited entries plus receipt photo OCR on the Telegram bot. There is no paid tier, no subscription, and no checkout. We do not collect card details and never have (payments, while they existed, were handled entirely by a Merchant of Record).
• Retired paid tiers. The former Pro, Lifetime, and Splitter Plus tiers were withdrawn from sale in August 2026. No subscription is running and nothing renews. If you ever purchased one, the features it granted are now available to everyone at no charge, so there is nothing to lose and nothing to cancel.
• Previously issued activation codes. Activation codes are no longer required or issued. Any code you hold is inert because the features it unlocked are open by default.
• Accounts. The splitter needs no account for local-only use. Signing in with your email is optional and only enables syncing a group across devices.
• If pricing ever returns. We may introduce paid features in the future. If we do, we will give notice under section 10 before anything changes, and groups and data you already created will keep working.

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, 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 EUR 50, the Service being supplied free of charge. 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].