Terms of Use

These terms describe the basic rules for using the Pennysight application and related online features.

If you do not accept these terms, do not use the application or the AI analysis feature.

1. General provisions

These terms of use define the rules for using the Pennysight application and the associated AI analysis service.

The service provider is Michał Wilk Software Solutions, NIP 9581750781, REGON 540717659, Gdynia 81-260, Pomeranian Voivodeship, Poland. Contact: contact@micwilk.com.

By using the application, you accept these terms.

2. Nature of the service

Pennysight is designed for personal finance management and presenting auxiliary spending summaries.

AI analysis is informational, educational, and auxiliary in nature. It does not constitute investment, tax, accounting, or legal advice, nor does it guarantee the achievement of specific financial results.

3. User account

Using the AI analysis feature may require creating an account and providing a valid email address.

The user is responsible for the confidentiality of login credentials and for activity performed from their account.

The service provider may refuse to provide the service or restrict access in the event of a violation of these terms, abuse, attempts to circumvent security measures, or use of the service in violation of the law.

4. Subscription and in-app purchases

Some features in the iOS application require an active Pennysight Pro subscription purchased through Apple In-App Purchase.

Payments, invoicing, refunds, and complaints related to App Store transactions are handled in accordance with Apple's policies.

Subscription access is assigned to the account after successful transaction verification.

5. Permitted use

You may not use the application in a manner that violates the law, the rights of others, the security of the service, or the stability of the infrastructure.

It is prohibited to attempt unauthorized access to data, circumvent limits, reverse engineer the application to the extent prohibited by law, automatically abuse the API, or use the service for fraudulent activities.

6. Account deletion

The user may delete their account from within the application. Deleting the account causes irreversible deletion of data stored by the service in the application's main databases, in accordance with the privacy policy.

7. Intellectual property

Rights to the application, code, trademarks, interface, and materials belong to the service provider or the respective licensors.

The user receives a limited, non-exclusive, revocable right to use the application in accordance with its intended purpose and these terms.

8. Liability

The service is provided on an "as is" and "as available" basis, to the extent permitted by law. The service provider does not guarantee uninterrupted operation, complete accuracy of analyses, or suitability of the service for a specific purpose.

To the maximum extent permitted by law, the service provider is not liable for lost profits, indirect damages, or financial decisions made based on analysis results.

Nothing in these terms limits liability that cannot be excluded under mandatory provisions of law.

9. Changes and termination of service

The service provider may develop, modify, restrict, or discontinue the application or specific features if justified by product development, security, technical requirements, or legal provisions.

A new version of these terms will be published at this address along with the effective date.

10. Governing law

These terms are governed by Polish law and applicable provisions of European Union law. Disputes will be resolved by competent Polish courts, taking into account mandatory consumer protection provisions.

11. Apple App Store - additional terms

The following terms apply specifically to the version of the application distributed through the Apple App Store and are required by Apple Inc. ("Apple"). In the event of any conflict between these Apple-specific terms and other provisions of these terms, the Apple-specific terms prevail with respect to your use of the App Store version of the application.

Acknowledgement. You and we acknowledge that these terms are concluded between you and us only, and not with Apple, and that we, not Apple, are solely responsible for the application and its content.

Scope of License. The license granted to you for the application is limited to a non-transferable license to use the application on any Apple-branded products that you own or control and as permitted by the Usage Rules set forth in the Apple Media Services Terms and Conditions, except that the application may be accessed and used by other accounts associated with you via Family Sharing or volume purchasing.

Maintenance and Support. We are solely responsible for providing any maintenance and support services with respect to the application. You and we acknowledge that Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the application.

Warranty. We are solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. In the event of any failure of the application to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price for the application (if any) to you; to the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the application, and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be our sole responsibility.

Product Claims. You and we acknowledge that we, not Apple, are responsible for addressing any claims by you or any third party relating to the application or your possession and use of the application, including but not limited to: (i) product liability claims; (ii) any claim that the application fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection, privacy, or similar legislation.

Intellectual Property Rights. You and we acknowledge that, in the event of any third-party claim that the application or your possession and use of the application infringes that third party's intellectual property rights, we, not Apple, will be solely responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim.

Legal Compliance. You represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.

Third-Party Beneficiary. You and we acknowledge and agree that Apple, and Apple's subsidiaries, are third-party beneficiaries of these terms, and that, upon your acceptance of these terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these terms against you as a third-party beneficiary thereof.