Use of the Penny Payday app is governed by Apple's Licensed Application End User License Agreement, available at apple.com/legal/internet-services/itunes/dev/stdeula, together with the terms below.
Not financial advice
The app performs arithmetic on numbers you enter and compares them to general rules of thumb. Nothing in the app is financial, legal, or tax advice, and it does not take your full situation into account. Decisions about your money are yours.
Subscriptions
Some features require a subscription purchased through Apple. Prices are shown in the app before you buy. A subscription renews automatically unless cancelled at least 24 hours before the end of the current period, and it can be managed or cancelled in your Apple ID settings. A free trial, where offered, converts to a paid subscription at the end of the trial unless cancelled before then. Refunds are handled by Apple.
Your data
See the Privacy Policy. In short: no account and no bank link; your plan is stored on your device, and anonymous usage and error reports are described in the policy.
Contact
support.tyhlabs@gmail.com