PENNYPING // TERMS OF SERVICE
LAST UPDATED: AUGUST 16, 2026 // US CARRIER SMS PROGRAM COMPLIANCE
1. PROGRAM DESCRIPTION
PennyPing is a real-time financial telemetry platform. Subscribers receive automated SMS notifications for card swipes, daily spending safe-burn allowances, and scheduled financial pacing digests.
2. MESSAGE FREQUENCY & RATES
Message frequency varies according to your card swipe activity and customized notification schedules (typically 1 to 6 messages per day). Message and data rates may apply depending on your mobile carrier plan.
3. KEYWORD COMMANDS
Text STOP to cancel all SMS notifications at any time. Text HELP or STATUS for live customer support and real-time category balance summaries.
4. READ-ONLY FINANCIAL DATA ACCESS
PennyPing utilizes read-only access to transactional metadata provided via Plaid. PennyPing does not execute bank transfers, initiate ACH payments, or move customer funds under any circumstances.