The household is the boundary
A person can belong to more than one household, but records belong to one household. Members of another household cannot see them.
Privacy & access
Together doesn't have to mean everything.
Keep the shared household picture useful while making room for individual boundaries.
People have different access
The household owner can manage membership. Adults can manage shared information; contributors can add and edit; viewers can look. An invitation is tied to one email, expires after seven days and must be shared by someone in the household.
Some details can stay yours
An account can be shared with your household, show its balance without its identifying details, or stay visible only to its owner. Only the person who owns an account can delete it or remove its transactions.
Your documents are private
Documents are stored privately and access follows their household and privacy settings. Suggested details from a document don't become financial records until someone reviews them.
Only people you invite can join your household. Access depends on their role and the privacy settings you choose for individual records.
This page describes in-app access controls, not a legal privacy notice or a promise of certification. Scanned images and document text can be sent to the reading service when you ask PennyCircle to read them.
Make space for a clearer money conversation.
Create a household, then invite the people you choose. Currently free.