Terms and Conditions

Penno is a free online service that can be used to monitor your daily earnings and expenses and the progress of your saving targets.

By signing up as a user of the application you agree to the following terms and conditions:

The application is completely independent of banks and does not have access to your account information or online bank. The data existing within the application is based fully on the information you have entered to the application. You are responsible for the accuracy, reliability, and exhaustiveness of this information. Please note that the information provided by the application is solely indicative and cannot be used to make financial decisions.

We aim to prevent any technical issues occurring in the application. However, we cannot provide any guarantee for the correct functioning of the application. We cannot be held liable for any damage caused by the fact that the information included in the application may be inaccurate, incorrect or incomplete.

The application is developed and maintained by the Guarantee Foundation in cooperation with various organizations.

If you have any questions related to the service or your wish to provide feedback, you can email us:

The application is developed based on the feedback received from users.