Terms & Conditions

Name: PennyTrack
Address: 23 The Mall, Waterford, X91 K7P2, IE
Telephone: +353 91 440 7621

The terms governing your use of the PennyTrack website, reviews, guides and downloadable spreadsheet templates.

Last updated: 15 January 2026

1. Who we are

PennyTrack ("PennyTrack", "we", "us" or "our") operates the website pennytrack.com and provides independent reviews, guides and downloadable budgeting resources. PennyTrack is based at 23 The Mall, Waterford, X91 K7P2, Ireland, and can be contacted at info@pennytrack.com or by telephone on +353 91 440 7621.

These Terms and Conditions ("Terms") form a binding agreement between you and PennyTrack. By accessing or using the website, you confirm that you have read, understood and accepted these Terms. If you do not agree, you must stop using the website immediately.

2. Use of the website

You may access and use PennyTrack for lawful, personal and non-commercial purposes only. By using the website you agree that you will not:

use the website in any way that breaches applicable laws or regulations;
copy, scrape, republish or redistribute our content, reviews or templates without our prior written consent;
attempt to gain unauthorised access to the website, its servers or related infrastructure;
introduce viruses, malware or any other material designed to harm the website or its users;
misrepresent your identity or affiliation with any person or organisation.

We reserve the right to restrict or terminate access to the website at our discretion where we reasonably believe these Terms have been breached.

3. Informational content and financial disclaimer

All content published on PennyTrack, including app reviews, budgeting guides, comparisons and spreadsheet templates, is provided for general information and educational purposes only. Nothing on this website constitutes financial, investment, legal, tax or accounting advice, nor a recommendation to purchase or avoid any specific product or service.

You should always seek independent professional advice appropriate to your personal circumstances before making financial decisions. PennyTrack does not accept liability for any loss or damage, direct or indirect, arising from reliance on the information published on this website.

While we make reasonable efforts to ensure that reviews, pricing information and other content are accurate and up to date, software pricing, features and terms change frequently. Content is provided "as is" and may contain inaccuracies or become outdated; we make no warranties, express or implied, regarding completeness, accuracy or availability.

4. Spreadsheet templates and downloads

Spreadsheet templates and other downloadable resources made available through PennyTrack are licensed to you for personal, non-commercial use. You may download, use and modify templates for your own budgeting purposes, but you may not resell, sublicense or publicly distribute them, whether in original or modified form. Templates are provided without warranty of any kind, and you are responsible for verifying their suitability and accuracy before use.

5. Third-party websites and affiliate disclosure

Our content may reference or link to third-party websites, applications and services. These links are provided for convenience and do not imply endorsement. PennyTrack has no control over third-party content, pricing, security practices or privacy policies, and accepts no responsibility for them.

Some links on PennyTrack are affiliate links, meaning we may earn a commission if you sign up for a product or service through them, at no additional cost to you. Affiliate relationships never influence the substance of our reviews; all recommendations are based on our independent testing and editorial judgement.

6. Intellectual property

All content on this website — including text, graphics, logos, templates, page design and compilations — is the property of PennyTrack or its licensors and is protected by copyright and other intellectual property laws. The PennyTrack name and logo may not be used without our prior written permission. You retain ownership of any data you enter into downloadable templates or forms submitted to us.

7. Data protection and privacy

PennyTrack acts as the data controller for personal data collected through this website. Where we process personal data of users in the European Economic Area, we do so in compliance with the General Data Protection Regulation (EU) 2016/679 (GDPR) and the Irish Data Protection Acts 1988–2018. Full details of what we collect, why we collect it, our legal bases for processing, retention periods and your rights are set out in our Privacy Policy.

You have the right to access, rectify, erase, restrict or object to the processing of your personal data, the right to data portability, and the right to withdraw consent at any time where processing is based on consent. To exercise any of these rights, contact us at info@pennytrack.com or write to PennyTrack, 23 The Mall, Waterford, X91 K7P2, Ireland. We will respond within one month of receiving a verified request. You also have the right to lodge a complaint with the Data Protection Commission (dataprotection.ie) if you believe our processing of your data infringes data protection law.

8. Limitation of liability

To the fullest extent permitted by law, PennyTrack, its directors, employees and contributors shall not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, savings, data or goodwill, arising from or in connection with your use of, or inability to use, this website or its content. Nothing in these Terms excludes or limits liability that cannot lawfully be excluded, including liability for death or personal injury caused by negligence or for fraud.

9. Indemnity

You agree to indemnify and hold PennyTrack harmless from any claims, losses, liabilities, damages and expenses (including reasonable legal fees) arising from your breach of these Terms or your unlawful use of the website.

10. Changes to the website and these Terms

We may update, suspend or withdraw any part of the website, and may revise these Terms, at any time. Changes take effect when posted on this page, and the "Last updated" date above will be adjusted accordingly. Your continued use of the website after changes are posted constitutes acceptance of the revised Terms. We encourage you to review this page periodically.

11. Governing law and jurisdiction

These Terms and any dispute arising out of or in connection with them are governed by the laws of Ireland. The courts of Ireland shall have exclusive jurisdiction over any such dispute, without prejudice to any mandatory consumer protection rights you may have in your country of residence.

12. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect, and the invalid provision will be replaced by a valid provision that most closely reflects its intent.

13. Contact us

Questions, comments or requests regarding these Terms are welcome and should be directed to:

PennyTrack
23 The Mall
Waterford, X91 K7P2
Ireland
Email: info@pennytrack.com
Telephone: +353 91 440 7621