CoPenny

CoPenny Terms of Service

Effective November 8, 2026

These terms are an agreement between you and CoPenny's developer ("we", "us") about using CoPenny. By agreeing in the app, or by using it, you accept them, together with the Privacy Policy. If you don't agree, don't use CoPenny.

1. The beta

CoPenny is in a beta: it is free, it is still being built, and features, limits and these terms may change before it is finished. We will tell you in the app before a change to these terms applies.

2. Who can use CoPenny

You must be at least 18, or the age of majority where you live, and able to agree to these terms. Each partner in a Duo uses their own phone, and their own account if they sync, and agrees to these terms for themselves.

3. What CoPenny is, and isn't

CoPenny helps you and your partner plan and track your own money: what came in, bills, budgets, goals and what you spend.

  • It is not a bank and never holds, moves or connects to your money or your bank accounts.
  • It is not financial, tax, legal or investment advice. Its plans, warnings and suggestions come from what you enter and simple rules, and are there to help you decide, not to decide for you.
  • Its numbers are only as good as what goes in. Screenshots are read by an AI service, which can misread them; you check each entry before it is saved, and you are responsible for what you keep.

4. Your account

An account is optional; you need one to sync and to read screenshots. You sign in with Google. Keep your phone and your sign-in secure; you are responsible for what happens under your account.

Your money data is encrypted on your phone with keys we never receive (see the Privacy Policy). We cannot read it, and so we cannot recover it. What you share in a Duo is also on your partner's phone; what is yours alone is only on yours.

5. Sharing a Duo

A Duo is a space you share with one partner. You both can see and change what is in it, within the Nod rules you agree on together. When you show someone your invite code, you choose to share that space's data with them; show it only to your partner, in person if you can.

If you leave a Duo or delete your account, your partner keeps what is on their phone of what you shared. Disagreements between partners about their money are between them; we can't take sides, and we can't read the data to settle them.

6. Using CoPenny fairly

Don't:

  • use CoPenny for anything illegal, or to track someone without their agreement;
  • try to get around limits, such as the daily screenshot reads, or overload our services;
  • try to access other people's accounts or data, or our systems beyond what the app does;
  • reverse engineer the app, except as the law allows.

We may limit or suspend accounts that break these rules, and will tell you why where we can.

7. What's yours

What you enter is yours. You give us only the permission we need to store and pass on your encrypted data, to have the screenshots you choose read, and to receive the feedback and problem reports you choose to send, as the Privacy Policy describes. If you send us an idea, we may use it to improve CoPenny without owing you anything for it.

CoPenny itself (the app, its design, name and logo) belongs to us. You may use the app for your own household, not resell it or build a competing product from it.

8. Availability

We aim to keep CoPenny's services running, but during the beta especially we can't promise they will be available without interruption. Because your data lives on your phone, CoPenny keeps working without our servers; only syncing, screenshot reading and sending feedback need them.

If we ever stop offering CoPenny, we will give at least 90 days' notice, and the app will keep working on your phone for your own data.

9. Disclaimers

CoPenny is provided "as is" and "as available", and as a beta. To the extent the law allows, we disclaim warranties of any kind, including that it is error-free, fits a particular purpose, or that its calculations, warnings or readings of screenshots are accurate. Decisions about your money are yours.

10. Limits on liability

To the extent the law allows, we are not liable for indirect, incidental, special or consequential losses, or for lost data, money or profits, arising from using CoPenny. Our total liability for any claim is limited to $50. Some places don't allow these limits, so they may not all apply to you.

11. Ending

You can stop using CoPenny at any time, and ask us to delete your account as the Privacy Policy describes. We may end these terms or your access if you break them, or if we stop offering CoPenny, as section 8 describes. Sections 4 (on recovery), 7, 9 and 10 continue after the agreement ends.

12. Changes to these terms

If we change these terms, the app shows the new version and asks you to agree before you go on. If you don't agree, stop using CoPenny and ask us to delete your account.

13. Google Play, and Expo Go

If you got CoPenny from Google Play, Google Play's terms also apply. During the beta on iPhone, CoPenny runs inside Expo's Expo Go app, whose own terms also apply to Expo Go.

14. Contact

Ephrem, lead developer: support.copenny@aymro.dev