Terms of Service

Last updated September 27, 2026

Fenn is made by AO Studio. These terms are the agreement between you and us about using the app. Using Fenn means you accept them. They are written to be read, not to be survived — if anything here is unclear, write to us and ask.

The short version

Who may use Fenn

You need to be at least 13 years old to use Fenn, and old enough where you live to agree to terms like these. If you're using Fenn for a business, you're agreeing to these terms on that business's behalf.

What Fenn is, and what it isn't

Fenn helps you write down and look at your own spending. It does not connect to your bank, move money, or act on your behalf. Nothing in the app is financial, tax, accounting or legal advice, and it isn't a substitute for a statement from your bank or a professional's judgement.

Captures are read by software, and software misreads things. A photographed receipt or a dictated note comes back for you to check before it is kept, and the amounts, merchants and categories it suggests are suggestions. The record that ends up in your ledger is the one you approved, and checking it is your part of the work.

There is no account

Fenn has no accounts and no sign-in, and it never asks you for an email address or a password. Assisted captures are counted against an anonymous identity your phone creates for itself, which carries nothing about you — no name, no address and nothing you typed. Write to us if you want it deleted; your ledger stays on your phone either way.

The free tier

Typing a record yourself is unlimited and always will be. Fifteen assisted captures — a receipt photo or a voice note turned into a record with help from a model — are included free each month, and the count resets monthly. Once they're used up, you can keep adding records by typing them, or buy one of the plans below.

Plans and what they cost

Prices are the United States storefront; what you actually pay is your own storefront's price in your own currency, including any tax Apple adds. On Device and an On Cloud plan are separate purchases, and buying one doesn't include the other. You may hold both. Either one lets Fenn keep an encrypted backup of your ledger in your own iCloud Drive.

We can change what a plan costs or what it includes. A change to a subscription price reaches you through Apple, who asks you to agree before it takes effect; if you don't agree, the subscription simply stops renewing. A change never reaches into a one-time purchase you've already made.

Billing, renewal and cancellation

Everything is bought through the App Store, so Apple takes the payment and holds your card details — we never see them. A subscription renews automatically at the end of each period unless you cancel at least 24 hours before it ends, and it's charged to your Apple ID within 24 hours of the period ending.

To cancel, open Settings → [your name] → Subscriptions on your iPhone, choose Fenn, and cancel there. We can't cancel it for you, and deleting the app doesn't cancel it. Cancelling stops the next renewal; the period you've already paid for runs to its end.

Refunds

Refunds for anything bought in the App Store are Apple's to give, under Apple's policy, not ours — request one at reportaproblem.apple.com. If something went wrong on our side, tell us anyway at contact@fennmoney.app and we'll help you put the request in and fix what caused it.

Restoring a purchase

A purchase belongs to the Apple ID that made it. Restore it on a new iPhone with Restore Purchases in the app's settings. On Device is not shared through Family Sharing.

Your data and your ledger

What you record in Fenn is yours. We don't claim any ownership of it, and we don't read it — it lives in an encrypted database on your phone. What we do and don't handle is set out in the Privacy Policy, which is part of these terms.

Keeping your own copy is worth doing. An iCloud backup on a paid plan is encrypted and lives in your iCloud account rather than ours, which also means we cannot recover it for you. If you delete the app without a backup, the ledger on that phone is gone, and there is no copy of it anywhere else.

Using Fenn fairly

Please don't:

If a phone is doing one of these, we may block the identity behind its captures. Where that leaves a paid plan unused, Apple's refund policy still applies.

What belongs to us

Fenn — the app, its name, its look and its code — belongs to AO Studio. You get the right to use it on devices you own, for as long as these terms hold. That right doesn't include copying it, selling it, or building something from its parts. Apple's standard licence for App Store apps applies alongside this.

The app as it is

Fenn is provided as it is. We work to keep it correct and available, but we can't promise it will be free of faults, that a capture will be read correctly, or that the service will never be down. Features can change, and a feature can go away — including if something Fenn depends on, like Apple Intelligence or the App Store, changes underneath it.

To the fullest extent the law where you live allows, we're not liable for indirect or consequential loss, for a decision you made from what Fenn showed you, or for a ledger lost from a phone with no backup. Where liability can't be excluded, it is limited to what you paid us in the twelve months before the problem. Nothing here takes away a consumer right you have by law.

Ending it

You can stop using Fenn at any time by deleting the app, which takes your ledger, your receipts and your picture with it. We may end these terms if you break them, or if we stop offering Fenn — in which case we'll give whatever notice we reasonably can.

Changes to these terms

These terms will change as Fenn does. The date at the top moves when they do, and a change that matters will be told to you in the app or by email if we have your address. Continuing to use Fenn after a change means you accept the new version.

Contact

Questions about these terms, or anything else, go to contact@fennmoney.app.