TERMS AND CONDITIONS FOR PENNOTE

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 the App constitutes financial, tax, investment, accounting, or legal advice. Always consult a qualified professional before making financial decisions.

3. ELIGIBILITY
You must be at least 13 years old (or the minimum age required by your jurisdiction, whichever is higher) to use Pennote. By using the App, you represent and warrant that you meet this age requirement.

If you are using Pennote on behalf of an organisation, you represent that you have the authority to bind that organisation to these Terms.

4. LICENCE TO USE THE APP
Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable licence to install and use Pennote for your personal, non-commercial use on Android devices that you own or control.

This licence does NOT include the right to:
- Modify, adapt, translate, reverse-engineer, decompile, or disassemble the App
- Distribute, sublicense, lease, sell, rent, or commercially exploit the App
- Remove, alter, or obscure any copyright, trademark, or proprietary notices
- Use the App in any manner that violates these Terms or applicable law
- Use the App to develop a competing product
- Circumvent or attempt to circumvent any usage limits, paywalls, or technical restrictions

All rights not expressly granted are reserved.

5. USER RESPONSIBILITIES
You are solely responsible for:
- The accuracy and completeness of any data you enter into the App
- Backing up your data — Pennote stores all financial data locally on your device, and we have no ability to recover lost data
- Maintaining the security of your device and any device-level lock or biometric authentication
- All financial decisions, transactions, or actions you take based on information shown in the App
- Compliance with all applicable laws when using the App

6. SUBSCRIPTIONS AND IN-APP PURCHASES

6.1 Premium Subscriptions
Pennote offers optional Premium subscriptions through Google Play Billing. Premium plans (currently monthly and yearly options) are displayed within the App. Pricing, billing cycles, and benefits at the time of purchase will apply to your subscription.

6.2 Free Trial
The yearly Premium plan may include a free trial period (currently 7 days). If you do not cancel before the trial ends, you will be charged the full yearly price automatically. Free trials may be offered only once per Google Play account.

6.3 Auto-Renewal
Subscriptions automatically renew at the end of each billing period unless cancelled at least 24 hours before the renewal date. Renewal charges are billed by Google Play to the payment method on file.

6.4 How to Cancel
You may cancel your subscription at any time through your Google Play account:

Google Play Store → Profile icon → Payments & Subscriptions → Subscriptions → Pennote → Cancel subscription

Cancellation takes effect at the end of the current billing period. You retain Premium access until the end of that period. Uninstalling the App does NOT cancel your subscription — you must cancel through Google Play.

7. REFUND POLICY — ALL PURCHASES ARE FINAL
ALL PURCHASES OF PREMIUM SUBSCRIPTIONS, INCLUDING THE FIRST CHARGE AFTER ANY FREE TRIAL, ARE FINAL AND NON-REFUNDABLE.

We do not provide refunds, partial refunds, pro-rated refunds, or credits under any circumstances, including but not limited to:
- Change of mind
- Accidental purchase
- Non-use of the App or its features
- Forgotten cancellation
- Dissatisfaction with features or performance
- Subscription renewals that you forgot to cancel
- Switching plans (e.g. from monthly to yearly)
- Uninstalling the App

We do not have the technical or contractual ability to issue refunds directly. All payments are processed by Google Play, and refund requests, if any, must be directed to Google Play.

If you wish to request a refund, you must contact Google Play directly:
Google Play Help → https://support.google.com/googleplay/answer/7205930

Refund eligibility, if any, is solely determined by Google Play under their own refund policies (which may, at their discretion, allow refunds within 48 hours of purchase). Beyond that window, refunds are highly unlikely and remain at Google's sole discretion.

If a refund is granted by Google Play, we reserve the right to immediately revoke Premium access and any Premium-only data exports tied to that purchase.

By purchasing a Premium subscription, you expressly acknowledge and agree to this no-refund policy.

8. ADVERTISING
The free version of Pennote displays advertisements provided by third-party ad networks, primarily Google AdMob. We do not control the content, accuracy, products, or services advertised. We are not responsible for any content, claims, transactions, or outcomes resulting from advertisements shown in the App.

Premium subscribers do not see advertisements.
If you encounter an objectionable advertisement, please contact us at steptechnovision@gmail.com so we can flag it with the ad network.

9. THIRD-PARTY SERVICES
Pennote integrates with third-party services including but not limited to Google AdMob, Google Firebase (Analytics, Crashlytics, Remote Config), and Google Play Billing. Your use of these services is also subject to their respective terms of service and privacy policies. We are not responsible for the practices, policies, content, or availability of any third-party service.

10. USER CONTENT
Any data you enter into Pennote — transactions, notes, attachments, etc. — remains your content and is stored on your device. You retain all rights to your content. You are solely responsible for ensuring that you have the right to upload, store, or share any content within the App.

You agree not to use the App to store, process, or share:
- Unlawful, defamatory, harassing, or threatening content
- Content that infringes any intellectual property right
- Malware, spyware, or any harmful code
- Content prohibited by applicable law

We are not responsible for any user-entered content.

11. INTELLECTUAL PROPERTY
All intellectual property rights in Pennote, including the software, source code, design, user interface, logos, names, content, trademarks, and other materials, are owned by Step Technovision or our licensors. The App is protected by copyright, trademark, and other laws of India and other jurisdictions.

The "Pennote" name, logo, and brand identity are trademarks of Step Technovision. You may not use them without our prior written permission.

Nothing in these Terms grants you any rights to use our intellectual property other than as expressly permitted in the limited licence in Section 4.

12. DISCLAIMER OF WARRANTIES
THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, OR TITLE.

Without limiting the foregoing, we do not warrant that:
- The App will be uninterrupted, timely, error-free, or completely secure
- Defects will be corrected
- Any data, content, or information shown in or generated by the App is accurate, reliable, complete, or up-to-date
- The App will meet your specific requirements or expectations
- The App will be compatible with all devices, OS versions, or third-party services

You use the App at your own risk and discretion.

13. LIMITATION OF LIABILITY
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL STEP TECHNOVISION, ITS OWNERS, FOUNDERS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION:
- Loss of profits, revenue, savings, or business opportunities
- Loss of data, including financial transactions, budgets, or records
- Loss of goodwill or reputation
- Costs of substitute products or services
- Any damages arising from financial decisions made based on data shown in the App|
- Any losses arising from inaccurate, missing, or corrupted data

ARISING OUT OF OR RELATING TO YOUR USE OF, OR INABILITY TO USE, THE APP, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL CUMULATIVE LIABILITY FOR ANY AND ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE APP SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED INDIAN RUPEES (INR 100).

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for consequential damages, so some of the above limitations may not apply to you. In such cases, our liability is limited to the maximum extent permitted by law.

14. INDEMNIFICATION
You agree to defend, indemnify, and hold harmless Step Technovision and its owners, employees, and affiliates from and against any claims, damages, losses, liabilities, costs, or expenses (including reasonable legal fees) arising out of or related to:
- Your use or misuse of the App
- Your violation of these Terms
- Your violation of any applicable law
- Your violation of any third-party right, including intellectual property or privacy rights
- Any content you enter or store in the App

15. TERMINATION
We reserve the right to suspend or terminate your access to the App at any time, with or without notice or cause, including but not limited to:
- Violation of these Terms
- Suspected fraudulent, abusive, or illegal activity
- Non-payment of subscription fees
- Discontinuation of the App or any of its features
- Compliance with legal requirements

Upon termination, your right to use the App ceases immediately. Provisions of these Terms that by their nature should survive termination — including Sections 7 (Refund Policy), 11 (Intellectual Property), 12 (Disclaimers), 13 (Limitation of Liability), 14 (Indemnification), and 16 (Governing Law) — will survive.

16. GOVERNING LAW AND DISPUTE RESOLUTION
These Terms are governed by and construed in accordance with the laws of India, without regard to its conflict-of-law principles.

Any disputes, claims, or controversies arising out of or relating to these Terms or the App shall be subject to the exclusive jurisdiction of the competent courts located in India.

If you are a consumer residing in the European Union, you may have the right to bring proceedings in the courts of your country of residence under applicable consumer-protection laws.

17. FORCE MAJEURE
We are not liable for any failure or delay in performance under these Terms caused by events beyond our reasonable control, including but not limited to natural disasters, war, terrorism, civil unrest, government action, internet or telecommunications failures, third-party service outages, or pandemics.

18. CHANGES TO THESE TERMS
We may update these Terms from time to time. We will notify you of material changes by:
- Updating the "Last Updated" date at the top of these Terms
- Where significant, displaying an in-App notice

Your continued use of the App after changes have been posted constitutes acceptance of the updated Terms. If you do not agree with the updated Terms, your sole remedy is to stop using the App and cancel any active subscription through Google Play.

19. SEVERABILITY
If any provision of these Terms is found by a court of competent jurisdiction to be invalid, illegal, or unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will continue in full force and effect.

20. NO WAIVER
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights or that provision. No waiver of any provision will be effective unless made in writing and signed by us.

21. ENTIRE AGREEMENT
These Terms, together with the Privacy Policy, constitute the entire agreement between you and Step Technovision regarding Pennote, and supersede any prior or contemporaneous agreements, communications, or understandings.

22. ASSIGNMENT
You may not assign or transfer these Terms or any rights or obligations under them without our prior written consent. We may freely assign these Terms in connection with a merger, acquisition, sale of assets, or by operation of law.

23. CONTACT US
If you have any questions about these Terms, your subscription, or any other matter related to Pennote, please contact us at:

Step Technovision
Email: steptechnovision@gmail.com

We aim to respond to all enquiries within 30 days.