Effective 29 July 2026. These terms are between you and Management And Technology Resources, Inc., a Washington corporation doing business as Dbmob Digital (“we”, “us”, “our”), and they govern your use of the PennyBolt desktop application and this website.
By installing or using PennyBolt, you agree to these terms. If you do not agree, don’t use it — and if you have already paid, ask for a refund under our Refund Policy.
1. What you are buying
PennyBolt is $79, once. That buys you a perpetual, non-exclusive, non-transferable licence to install and use the PennyBolt desktop application for your own personal or business bookkeeping.
Perpetual means what it says: the licence does not expire. There is no renewal required to keep using what you bought, and there is no mechanism by which we can revoke it. You may install it on the computers you personally use.
You may not resell, sublicense, or redistribute the application, or remove or obscure its copyright notices.
2. The free trial
PennyBolt is free to use for 60 days from first launch. No payment details are required to start.
After the trial, if you have not purchased a licence, you may still open, read, report on, and export everything in your data file — permanently. What requires a licence is adding new accounts and new data. We consider access to data you already entered to be yours unconditionally, and we do not gate it.
3. Promises we make and intend to keep
These are commitments, not marketing:
- We will never deactivate a feature because you stopped paying. Anything you have received keeps working.
- We will never gate access to your own data behind a payment. Import, export, and restore work in every state, forever.
- We will never require an internet connection to use what you bought. There is no licensing server and no activation.
- We will never sell your data or show you advertising.
- We will never add a subscription that puts your financial data on our servers.
If we ever break one of these, you are entitled to a refund regardless of when you purchased.
4. The optional update subscription
The $29.99/yr annual update subscription entitles you to new features, improvements, and new import-format support released during the period you have paid for.
It is optional. It renews annually until you cancel, and you can cancel at any time — see the Refund Policy. Cancelling removes nothing. Everything already delivered to you keeps working permanently; you simply stop receiving new releases.
5. Purchases, and who you are buying from
Paddle.com Market Limited is the Merchant of Record for all purchases. Paddle sells you the licence, processes payment, and is responsible for sales tax and VAT. Paddle’s own buyer terms apply to the transaction itself, and Paddle will appear on your card statement.
6. Your data and your responsibilities
Your financial data stays on your computer. We do not receive it, host it, or back it up for you. That means:
- Keeping backups is your responsibility. PennyBolt includes automatic backup and restore features, and we strongly recommend you also keep copies somewhere off the machine.
- You are responsible for the accuracy of what you enter and import.
- You are responsible for the security of your own computer and user account.
PennyBolt does not encrypt your data file. It is protected by your operating system’s user account controls, the same as your other documents. If you want encryption at rest, use your operating system’s full-disk encryption (FileVault, BitLocker, or LUKS).
7. PennyBolt is not financial, investment, tax, or accounting advice
PennyBolt is bookkeeping software. It records and reports what happened to your money; it does not tell you what to do with it. It does not provide investment advice, tax advice, accounting advice, or financial planning, and nothing it displays should be treated as any of those. It does not connect to your bank, move money, or execute any transaction.
You are responsible for your own financial decisions and for the accuracy of anything you file with a tax authority. For advice about your situation, talk to a qualified professional.
8. The engine is open source, under a different licence
PennyBolt’s core engine is published as open source under the GNU Affero General Public License v3.0, and your rights in that source code come from the AGPL, not from these terms. These terms cover the PennyBolt desktop application, which is proprietary. The two are separate; nothing here limits your AGPL rights in the engine source.
9. No warranty
PennyBolt is provided “as is” and “as available”, without warranty of any kind, express or implied, including any implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the software will be error-free, uninterrupted, or that it will meet your requirements.
We take correctness extremely seriously — but software has bugs, and financial software with bugs is exactly why you should keep backups and check your own numbers.
10. Limitation of liability
To the maximum extent permitted by law, our total liability to you for any claim arising out of or relating to PennyBolt or these terms is limited to the amount you actually paid us in the twelve months before the claim arose.
We are not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost data, or business interruption, even if we were advised of the possibility.
Some jurisdictions do not allow these exclusions, and nothing in these terms limits or excludes liability that cannot lawfully be limited or excluded — including liability for fraud, or for death or personal injury caused by negligence. Your statutory consumer rights are unaffected.
11. Termination
Your licence terminates if you materially breach these terms — for example by redistributing the software. Even then, your data file remains yours, and you may continue to open and export it.
12. Changes to these terms
We may update these terms for future purchases and for the website. We will not retroactively reduce rights in a licence you have already bought — the promises in section 3 apply to your purchase as they stood on the day you made it. Material changes will be noted on the site with a new effective date.
13. Governing law
These terms are governed by the laws of the State of Washington, United States, without regard to its conflict-of-laws rules, and the state and federal courts located in Washington will have jurisdiction — except where the consumer law of your own country gives you the right to bring a claim locally, which it may.
14. Contact
[email protected] for anything about the software. [email protected] for anything about these terms.
Management And Technology Resources, Inc. dba Dbmob Digital Washington, United States