Terms & Conditions

1. Acceptance of Terms

By using the Penno mobile application and the xdevapp.it website ("the Service"), you agree to be bound by these Terms and Conditions. If you do not accept these terms, please do not use the Service.

2. Service Description

Penno is a mobile application for personal expense tracking and cost sharing between users. The Service allows you to:

• Manually record expenses and income by category
• Connect with other users to share expense categories
• Configure split percentages between connected users
• View balances and payment history between users
• Set up automatic recurring transactions
• View monthly analytics and statistics

3. User Account

• An account is required to use the Service
• You are responsible for the security of your account and access credentials
• You must provide accurate and up-to-date information
• Creating accounts with false identities or on behalf of others without authorization is not permitted

4. Acceptable Use

You agree to use the Service lawfully and responsibly. You may not:

• Use the Service for illegal or unauthorized purposes
• Attempt to access other users' data without authorization
• Interfere with the operation of the Service or its servers
• Upload harmful, offensive, or illegal content
• Use automated systems to access the Service

5. Financial Data

• All financial data is manually entered by the user
• Penno does not access bank accounts, credit cards, or other financial instruments
• The accuracy of entered data is the user's responsibility
• Penno does not provide financial, tax, or investment advice

6. Intellectual Property

The Service, including design, source code, logos, content, and trademarks, is protected by intellectual property laws. Copying, modifying, distributing, or creating derivative works without written authorization is not permitted.

7. Limitation of Liability

The Service is provided "as is" and "as available." We make no warranties of any kind, express or implied, regarding the accuracy, reliability, or availability of the Service.

In no event shall we be liable for indirect, incidental, special, or consequential damages arising from the use or inability to use the Service.

8. Service Modifications

We reserve the right to modify, suspend, or discontinue the Service at any time, with or without notice. We shall not be liable for any modification, suspension, or discontinuation of the Service.

9. Termination

We reserve the right to suspend or terminate your access to the Service in case of violation of these terms. You may terminate your account at any time by contacting us at michele.lucchese@outlook.it.

10. Governing Law

These Terms and Conditions are governed by Italian law. Any dispute arising from the use of the Service shall be subject to the jurisdiction of the competent Italian courts.

11. Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective from the date of publication on this page. Continued use of the Service after changes constitutes acceptance of the new terms.