Terms of Service

1. Acceptance of Terms

By downloading, installing, or using PennyWise ("the App"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the App.

2. Description of Service

PennyWise is a personal finance and Zakat tracking application that helps users:

• Track income and expenses
• Manage budgets
• Calculate and manage Zakat obligations
• Analyze spending patterns
• Import transactions from banking services

The App is provided for personal, non-commercial use only.

3. User Accounts and Data

Local Data Storage: PennyWise stores all your financial data locally on your device. We do not have access to your personal financial information.

Your Responsibility: You are responsible for:

• Maintaining the security of your device
• Backing up your data
• The accuracy of information you enter into the App
• Any decisions made based on the App's calculations

4. Third-Party Services

The App may integrate with third-party services such as:

• Lean Technologies: For bank account connectivity (optional)
• Metal Price API: For real-time gold and silver prices

Your use of these services is subject to their respective terms and conditions. We are not responsible for the availability, accuracy, or functionality of third-party services.

5. Zakat Calculations

Educational Purposes: The Zakat calculation features are provided for informational and educational purposes only.

Not Religious Advice: While we strive for accuracy based on commonly accepted Islamic principles, the App does not provide religious or legal advice.

Consult Scholars: For authoritative guidance on Zakat obligations, please consult qualified Islamic scholars or religious authorities.

User Responsibility: You are solely responsible for verifying calculations and fulfilling your religious obligations.

6. Accuracy of Information

While we strive to provide accurate calculations and up-to-date information:

• We do not guarantee the accuracy of Nisab thresholds, currency conversions, or commodity prices
• Real-time data (gold prices, currency rates) may be delayed or inaccurate
• You should verify all critical information independently

7. Prohibited Uses

You agree not to:

• Use the App for any illegal purposes
• Attempt to reverse engineer or decompile the App
• Use the App to provide services to third parties
• Remove or modify any copyright notices
• Upload malicious code or interfere with the App's functionality

8. Intellectual Property

The App and all its contents, features, and functionality are owned by PennyWise and are protected by international copyright, trademark, and other intellectual property laws.

9. Disclaimer of Warranties

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy or reliability of calculations
• Uninterrupted or error-free operation

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PENNYWISE SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, data, or business opportunities
• Financial decisions made based on the App's calculations
• Errors in Zakat calculations or religious obligations
• Unauthorized access to your device or data

IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED THE AMOUNT YOU PAID FOR THE APP (IF ANY).

11. Updates and Changes

We may update the App from time to time. Updates may:

• Add new features
• Fix bugs or security issues
• Change or remove existing features
• Require you to accept new terms

Continued use of the App after updates constitutes acceptance of changes.

12. Termination

You may stop using the App at any time by deleting it from your device. We reserve the right to:

• Discontinue the App or any features
• Modify these Terms at any time
• Restrict access to certain features

13. Children's Privacy

The App is not intended for children under 13 years of age. We do not knowingly collect personal information from children.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Egypt, without regard to its conflict of law provisions.

15. Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated through:

• In-app notifications
• Updates to this page

Your continued use of the App after changes constitutes acceptance of the new Terms.

16. Contact Information

For questions about these Terms, please contact us:

17. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

18. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and PennyWise regarding the use of the App.