Privacy Policy
Effective date: July 30, 2026
This Privacy Policy explains how PennyBook: Private Budget ("PennyBook", "we", "us") handles information when you use the PennyBook: Private Budget iOS app and the website at pennybook.codemxm.com (together, the "Service"). We built PennyBook: Private Budget to keep everyday budgeting private—please read this policy to understand what stays on your device and what limited data may be processed.
PennyBook: Private Budget privacy at a glance
PennyBook: Private Budget is designed local-first: your expense records, categories, budgets, and backups are stored on your iPhone unless you explicitly export or share them.
No account is required to use PennyBook: Private Budget. We do not run ads in the app, and PennyBook: Private Budget does not connect to your bank accounts.
Information stored on your device
When you use PennyBook: Private Budget, the app stores the financial records you enter—amounts, categories, notes, budgets, recurring bills, and related settings—locally on your device using Apple's on-device storage (SwiftData).
If you enable Face ID or device authentication lock in PennyBook Pro, that protection is enforced by iOS on your device—we do not receive your biometric data.
Payment reminders you set in PennyBook: Private Budget are scheduled locally through iOS notifications.
Information we do not collect in the app
By default, PennyBook: Private Budget does not collect analytics, crash reports, or advertising identifiers. Telemetry and third-party analytics SDKs are disabled in the app configuration.
PennyBook: Private Budget does not require your name, email address, or phone number to function. We do not create user profiles from your spending data.
Purchases through the App Store
PennyBook Pro is sold as a one-time in-app purchase through Apple. When you buy or restore Pro, the app uses RevenueCat to validate your entitlement. That process may involve a network request and an anonymous app-user identifier managed by RevenueCat and Apple—we do not receive your Apple ID password or full payment card details.
Apple processes payment information according to Apple's privacy policy. You can manage purchases in your Apple ID settings.
Exports, backups, and data you control
You may export CSV files, PDF reports, or backup files from PennyBook: Private Budget. Once exported, those files are under your control—you choose where to save or share them.
Deleting the app from your device removes locally stored PennyBook: Private Budget data unless you have kept separate backup files.
Website and support communications
This website may use privacy-friendly analytics (Plausible) to understand aggregate page visits. Plausible does not use cookies for tracking across sites and does not store personal profiles.
If you email hi@codemxm.com for support, we receive the information you choose to include in your message (such as your email address and description of the issue). We use support emails only to help you.
Children's privacy
PennyBook: Private Budget is not directed at children under 13, and we do not knowingly collect personal information from children.
Changes to this Privacy Policy
We may update this Privacy Policy when PennyBook: Private Budget or legal requirements change. We will post the revised policy on this page with an updated effective date.
Contact us about PennyBook: Private Budget privacy
Questions about privacy in PennyBook: Private Budget? Contact us at hi@codemxm.com.