Privacy Policy

Last updated: February 27, 2026

1. Data we collect

We collect info you give us directly. This includes your name, phone number, and bank details when you link them. When you chat with Penny on WhatsApp, we see those messages to help you.

2. How we use it

We use your data to make Penny work. This means processing your transfers, answering your finance questions, and keeping your account safe. We don't sell your data to anyone.

3. Sharing info

We only share data with partners when it's needed to finish a task—like telling your bank to send money. We might also share info if the law says we have to.

4. WhatsApp

Penny lives on WhatsApp. By chatting with us, you agree that we receive your messages and profile info so we can help you with your money.

5. Your rights

You can ask us what data we have about you or ask us to delete it. Just reach out.

6. Contact

If you're worried about your privacy, email us at hello@usepenny.co.