Step Technovision

Effective Date: 28 April 2026 Last Updated: 28 April 2026 These Terms and Conditions ("Terms") govern your use of the Pennote mobile application ("App", "Pennote") provided by Step Technovision ("we", "us", "our"). By installing, downloading, or using Pennote, you agree to be bound by these Terms and our Privacy Policy. If you do not agree with any part of these Terms, do not install or use the App. 1. ABOUT PENNOTE Pennote is a personal finance management application that helps you track expenses, plan budgets, monitor subscriptions, and analyse your spending. The App is distributed exclusively through Google Play (com.pennote.tracker). 2. NOT A FINANCIAL SERVICE Pennote is solely a personal record-keeping tool. It is NOT: - A bank, payment processor, or money-transfer service - A loan, credit, or lending platform - An investment, brokerage, or financial-advice service - A regulated financial product of any kind Nothing in th...

Effective Date: 28 April 2026 Last Updated: 01 May 2026 This Privacy Policy describes how Step Technovision ("we", "us", or "our") collects, uses, stores, and shares information when you use the Pennote mobile application ("App", "Pennote"), available on Google Play under the package name com.pennote.tracker. By installing or using Pennote, you agree to this Privacy Policy. If you do not agree with any part of this policy, please uninstall the App and stop using it. 1. ABOUT PENNOTE Pennote is a privacy-first personal finance application that helps users track expenses, plan budgets, manage subscriptions, and view spending insights. The App operates primarily offline and does not require any account, sign-up, or login. Financial data you enter is stored locally on your device. 2. INFORMATION WE COLLECT We have designed Pennote to minimise data collection. Information falls into two categories. 2.1 Information Stored Only on Your Device ...