Delete your Penny account

You can permanently delete your Penny account and the financial data in it at any time. This page explains how to ask, what gets removed, and what we keep.

How to delete your account

In the app

Go to Settings → Account & data → Delete account. You'll confirm with your password, and a two-factor code if you have that turned on. The deletion happens immediately once confirmed.

If you no longer have the app

Email richiedejournett@gmail.com from the address on your Penny account and ask us to delete it. We'll confirm by replying to that address before anything is removed, so nobody else can request deletion of your account.

What is deleted

Deleting your account permanently removes the following from Penny's active systems. This cannot be undone, and we cannot restore it for you afterwards.

• Your account, email address, password and two-factor settings
• Every transaction, balance, account and category in your books
• Bills, budgets, goals, debts, scenarios and forecasts
• Connected bank details, including the encrypted access tokens Penny uses to talk to your bank, and the imported data behind them
• Your conversations with Penny's assistant
• Notification settings and any push registrations for your devices
• Your subscription record and any complimentary access
• Your activity history within the app

If you share a book with someone else

Penny will not delete an account that still co-owns data with another person, because doing so would delete their records too. If that applies to you, Penny will tell you which shared books are involved so you can leave them or hand them over first, and nothing is deleted until you do.

What we keep, and why

Two kinds of record are not removed, because they exist to keep payments and the app itself working correctly:

• Payment events from our subscription provider — the type of event, when it happened, and its outcome. These retain the identifier our payment provider uses for your subscription. They contain no name, email address, bank details, transaction history or balances.
• Error diagnostics from the subscription screen — an error code, the platform and the app version. Your account reference is removed from these records when you delete your account.

We keep these to reconcile payments and to detect faults affecting other people. They are not used to contact you, to build a profile, or for advertising. If you would like these records removed as well, email us at the address above and we will remove them.

Backups

Deleting your account removes your data from Penny's live database straight away. Copies may remain for a limited time in backups that exist so the service can be restored after a failure. Those backups are not used for any other purpose, are not accessed to look up deleted accounts, and are overwritten in the ordinary course as newer backups replace them.

Questions

Email richiedejournett@gmail.com. You can also read our Privacy Policy.