Pendi
Terms of use
These are the terms of use of the Pendi Android application. They describe what the app does on your phone, what leaves it, what never leaves, and what you authorize by accepting them. They are written to match what the app does today.
What Pendi is. Pendi organizes your to-dos and your household money on this phone, with your accounts, your budgets, your savings goals and your debts. Your data is kept here, in the app's private storage, and Pendi works without you creating an account.
Notes. Pendi keeps your notes on this phone: text, checklists, link lists, drawings, photos, codes and audio clips, in the app's private storage.
Notifications. If you grant the permission, Pendi reads this phone's notifications from your messaging, email, bank and wallet apps, to spot your expenses so you can confirm them. Pendi checks which of those apps you have installed: some are preselected without you tapping anything, and from those only what carries an amount and a money word gets through; the rest are listed for you to switch on. Every one can be switched off, one by one or all at once, in Settings. Reading and interpreting happen here, and the full text of the notification never leaves the phone.
AI help. When the ordinary path is not enough, Pendi sends a short text to its AI. Those fragments can be processed outside your country; who processes them and from where is in the privacy policy, and it is kept current there. Your family's names, account numbers, card numbers and email addresses never leave: they are removed or replaced on the phone before anything is sent. From a notification, the cleaned message, whole when it is short or only the piece where the merchant is when it is long, with the amount masked. From a dictation, the sentence you spoke, already without those details. To create a rule, the message template without the parts that change. In all three, your category names travel too. The AI can be wrong and no suggestion is applied on its own: you always confirm it. You can turn it off whenever you like under Settings > AI.
Cloud and backups. Some things go up without you asking. When you read a receipt that prints a company form (such as S.A.S. or LTDA) and a company tax ID that checks out against its check digit, Pendi sends its own service, for its directory of shops, the public details that company prints on it (name, legal name, tax ID, address, city and phone), with nothing of your purchase; if either is missing, nothing of it leaves the phone; the app is built never to send a shop that belongs to a person, and if a misread makes one pass for a company, correcting it in the app removes it from Pendi's directory. If the app crashes, it sends a technical crash report, with no amounts, no merchants and no notification text, so the defect can be fixed. When you accept these terms, the app sends once per install the summary of this phone's identifier that the free trial paragraph explains. From the moment you accept these terms, the app asks Pendi's service once a day for its configuration, with no session, and for the community rules pack, with your sign-in or, if you have no account, an anonymous account it creates for that; those requests carry nothing of yours beyond that session and the connection's technical data. If you accepted AI help, the app sends the cleaned fragments of your notifications that the AI help paragraph explains. Others go up after something you do: when you are signed in, the app registers this phone for notifications every time it opens. Your notes, money, lists and photos wait for you to ask: if you share a space with your family, or turn on the backup, that content travels and is stored encrypted and is never used commercially. Backups you export are encrypted with a passphrase only you hold.
Free trial. When you accept these terms, Pendi sends its own service, once per install, a one-way summary (a hash) of the identifier of this phone, computed here with a fixed value that belongs to the app. The identifier itself never travels and is never stored: only the summary travels, and it cannot be turned back into the identifier. Against that summary the service keeps one thing, the date the free trial started on this phone, with no account, no email and no advertising identifier attached, and it serves one purpose: so that reinstalling the app does not restart the fourteen-day free trial. It is never used for advertising, never linked to your account record, and never shared.
Pendi Premium. Pendi can be used for free, and paying is optional. Pendi Premium is bought inside the app through Google Play, which charges as our agent, as a quarterly or annual subscription that renews on its own, or as a one-time lifetime payment. Before you pay, Google Play shows you the price in your currency, and the charge and any refund go through Google Play. Google Play has its own refund policy, and you can also ask us for a refund by writing to [email protected]. The fourteen-day free trial asks for no payment method and never turns into a charge on its own.
Right of withdrawal. If you live in Colombia or in another Latin American country other than Brazil, you can withdraw from any Pendi Premium charge within the following ten calendar days, without giving a reason and even if you have started using it. Write to [email protected] with the order number Google Play sent you, and we refund the full amount of that charge, to the payment method you used, within fifteen calendar days at most. Once refunded, the purchase is voided and Premium stops being active on your account; your data is not touched.
Cancelling a subscription. You cancel it the same way you subscribed: in Google Play, open your subscriptions, choose Pendi and tap Cancel subscription. If you cannot, write to us and we will help, and we confirm by email, within seventy-two hours at most, that the cancellation is done. Cancelling stops future charges and Premium stays active until the end of the period already paid; that period is not refunded, except under the withdrawal right above or, if you live in Brazil, the withdrawal right below.
If you live in Brazil. You can withdraw from a purchase within 7 days of making it (for a subscription, from its first charge; renewals do not open a new window), without giving a reason. You can do it the same way you bought, by requesting the refund in Google Play, or by writing to [email protected]. We confirm at once that we received it and refund everything you paid at once, through the same means of payment. Brazilian law applies to your data and your consumer rights, and you can go to the courts where you live.
What Pendi never does. No ads. No sale of your data. No reading of your SMS: Pendi holds no SMS permission.
Governing law and complaints. These terms are governed by the law of Colombia, where Pendi is published from. If you live in another country, that does not take away any protection your country's consumer and personal-data rules give you that cannot be set aside by contract: where they give you more than these terms, they apply, and you can turn to your country's authorities. If you live in Brazil, you can also go to the courts where you live when your law allows it. For any complaint you can write to [email protected], and we answer within five business days at most.
By accepting you confirm you have read this and you authorize the processing of your personal data for what is described here, including those fragments being processed outside your country.