Refund Policy

Effective 17 September 2026. Published by Management And Technology Resources, Inc. dba Dbmob Digital.

Try it for 60 days before you pay anything

PennyBolt is free for 60 days. No credit card, no account, nothing to cancel. Download it, put your real statements in it, and reconcile a couple of months of your own money. If it isn’t for you, delete it — you were never charged and there is no subscription lurking anywhere.

Sixty days is deliberate. Money runs on a monthly rhythm, and one month only shows you that an import worked. The second month is when you watch your books balance again and know it wasn’t luck. We would rather you find that out before you pay than after.

Then 30 days to change your mind

If you buy PennyBolt and decide within 30 days of purchase that it isn’t right for you, this policy entitles you to your money back. You do not need to give a reason.

That is 90 days from your first launch before you are committed to anything.

Paddle handles every refund request. Paddle is what is known as the “Merchant of Record”, meaning they sell you the license on behalf of PennyBolt, and Paddle processes every refund request under the policy on this page.

How to ask for it. Use the link in the receipt Paddle emailed you, contact Paddle directly at paddle.net, or contact PennyBolt at support@pennybolt.com. How quickly the money reaches you depends on your bank and payment method.

Nobody needs to buy PennyBolt in order to evaluate it. The 60-day trial is the whole application, with your own statements in it, at no cost. The refund is for someone who bought PennyBolt and then decided it isn’t for them — not a way to obtain the software again and again for free.

You keep the software. We built it that way on purpose.

Here is the part most companies would never write down: if you are refunded, you keep the copy you downloaded.

Not as a courtesy — as a consequence of how PennyBolt is built. There is no licensing server, no activation, and no remote kill switch, because we decided you should never be one server outage or one company decision away from losing access to your own financial history. The same design that means PennyBolt cannot be switched off against you also means we cannot switch it off after a refund.

We are not worried about it. Anyone who evaluates software for two months, buys it, and then asks for their money back has almost certainly found a real reason. If you are willing to tell us what it was, email support@pennybolt.com — it helps us make PennyBolt better, and it has nothing to do with your refund.

Your data is never held hostage, in any state

Trial, paid, refunded, lapsed — it makes no difference:

• Your data file is yours, on your machine, and always readable.
• Export always works. We never gate getting your data out behind a payment. Not ever, under any circumstance.
• Nothing you have already imported or categorized is removed or locked when a trial ends or a refund is issued.

After the trial ends, if you have not purchased, you can still open, read, report on, and export everything. What stops is adding new accounts and new data until you buy — the same principle as a magazine subscription: you keep every issue already on your doormat.

The optional annual updates

Buying PennyBolt includes twelve months of updates. After that, $29 extends your updates by another year — dated from the day you pay, whenever that is. It is genuinely optional.

• It is a one-time purchase each time. Nothing renews automatically, and there is nothing to cancel.
• Lapsing removes nothing. Every feature you already received keeps working, forever. You simply stop receiving new ones.
• Within 30 days of paying for an update year, the same 30-day refund policy applies, and Paddle handles it the same way.
• Extend whenever you like — everything released in the meantime is included.

Statutory rights

Nothing here limits rights you have under the consumer law where you live. If you are in the EU or UK, your statutory rights — including any applicable right of withdrawal — apply on top of this policy, not instead of it. Where our policy is more generous than the law requires, our policy wins.

Questions

Email support@pennybolt.com with questions about PennyBolt itself. A human reads it. A refund request can go to that address too, or straight to Paddle, as described above.