Terms of Service
Last updated 23 May 2026
By using Penny, you agree to these terms. If you do not agree, do not use the app.
What Penny is
Penny is a companion app. The character "Penny" is an AI-powered chat experience designed to feel like a supportive friend. Penny is NOT a therapist, counselor, sponsor, medical professional, or substitute for any kind of professional care.
If you are in crisis, please reach out to a real person trained to help. The app includes a list of crisis helplines for many countries. Use them.
Important disclaimers
Penny may say things that are wrong, unhelpful, or insensitive. The AI model that powers Penny can and does make mistakes.
Penny is not a medical device and does not provide medical, psychological, financial, or legal advice.
Using Penny does not guarantee any outcome. Recovery is hard and personal; an app cannot do it for you.
Do not rely on Penny in an emergency. Call your local emergency number or crisis helpline.
The app may have bugs, downtime, or interruptions. We try to keep it running smoothly but make no guarantees.
Your account
There is no account. You don't sign up, you don't log in. Your data is tied to the app only by being stored on your device.
Acceptable use
When you use Penny:
- Use the app for yourself, in good faith, as a tool to support your own journey.
- Don't try to break, abuse, or exploit the app or the AI behind it.
- Don't use the app to harm yourself or others.
- Don't reverse-engineer, decompile, or extract the source code.
We may stop providing the service to anyone who abuses it.
Subscriptions
Penny may offer paid subscriptions through the Apple App Store or Google Play Store. If you subscribe:
- Billing, renewal, and cancellation are handled by Apple or Google through your account with them.
- Subscriptions renew automatically until you cancel.
- We don't process or store your payment information.
See Apple's or Google's subscription terms for details on refunds and cancellations.
Intellectual property
The Penny app, brand, character, and content are owned by Stef Gijsbregts. You get a personal, non-transferable license to use the app on your devices. You don't own the app or its content.
The letter and check-in entries you write belong to you and stay on your device.
Termination
You can stop using Penny at any time by uninstalling the app. We can stop providing the service at any time, for any reason, including discontinuing the app entirely. If the service shuts down, we will do our best to give advance notice.
Limitation of liability
To the maximum extent allowed by law, Stef Gijsbregts is not liable for any indirect, incidental, special, or consequential damages arising from your use of Penny. Our total liability for any direct damages is limited to the amount you paid us in the 12 months before the claim, or 50 USD, whichever is greater.
You use the app at your own risk. The app is provided "as is" without warranties of any kind.
Governing law
These terms are governed by the laws of Belgium. Any disputes will be resolved in the courts of Belgium.
Changes
We may update these terms over time. If we make material changes, we'll update the "Last updated" date at the top of this document and notify users in-app. Continued use after a change means you accept the updated terms.