Effective 17 September 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 license to install and use the PennyBolt desktop application for your own personal or business bookkeeping.
Perpetual means what it says: the license 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. The license is otherwise non-transferable, with two exceptions we consider obvious: it extends to the members of your household who share your books, and it passes to your heirs. Books often belong to a family; a license should never break that.
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 license, you may still open, read, report on, and export everything in your data file — permanently. What requires a license 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. (A bug that breaks something is a bug — we fix those. What this promise forbids is deliberately gating, degrading, or removing what you own.)
- 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 make PennyBolt depend on our servers — and we will never offer any hosted service, under this brand or any other, whose cancellation costs you your books. The desktop app keeps your data on your machine, full stop. If a cloud edition ever exists, it will be optional, and cancelling it will mean your complete book downloads and opens in the desktop software, with everything intact.
If we ever shut down
If the company ceases operating or discontinues PennyBolt, we commit to a final release that removes the trial gate, and to publishing the engine’s source code under an open license — so the software, and your books, outlive us. These commitments, and every promise in this section, bind any successor or acquirer of the business.
4. Optional updates — how the update year works
Your purchase includes twelve months of updates from the day you buy. After that, $29 extends your updates by another twelve months — dated from the day you pay, not from the day your last update year ended.
This is not a subscription. Nothing renews automatically, and there is nothing to cancel. Letting your updates lapse removes nothing: everything already delivered to you keeps working permanently — a release that shipped while your updates were active is yours forever, even after they end. You simply stop receiving new releases until you choose to extend, and when you do, everything released in the meantime is included. See the Refund Policy for the refund window on an update year.
One duty we keep without payment: if a serious bug — in PennyBolt, or in something it depends on, such as an operating-system change that breaks an old build — affects the most recent previous major version, we patch it, free, for two years after its successor ships.
5. Purchases, and who you are buying from
Paddle is the Merchant of Record for all purchases. Paddle — not us — sells you the license, processes the payment, and is responsible for sales tax and VAT. Paddle’s own buyer terms apply to the transaction itself.
Paddle sells through different legal entities depending on where you are: Paddle.com Market Limited, Paddle Payments Limited, or Paddle, Inc. The entity that sold to you is named on the receipt Paddle emails you, and that is the name that will appear on your card or bank statement. If the charge on your statement doesn’t say “PennyBolt”, that is why — it is not an unauthorized charge.
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’s source code
PennyBolt’s engine is not currently published. If we open-source it, we will say so here, and the license in that repository will govern that code. These terms cover the PennyBolt desktop application, which is proprietary.
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 license terminates if you materially breach these terms — for example by redistributing the software. Termination ends your permission to use and obtain new copies; as PennyBolt is built, no mechanism exists for us to reach or disable a copy you have installed. And 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 license 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
support@pennybolt.com for anything about the software. legal@pennybolt.com for anything about these terms.
Management And Technology Resources, Inc.dba Dbmob Digital
108 Union Ave
Snohomish, WA 98290-2971
United States