Last Updated: February 13, 2025
Welcome to PennyPundit. Please read these Terms of Service (“Terms”) carefully before using our website.
1. Acceptance of Terms
By accessing or using PennyPundit.com (“the Site”), you agree to be bound by these Terms. If you disagree with any part of these Terms, you may not access the Site.
2. Description of Service
PennyPundit.com is a personal finance blog that provides financial information, educational content, calculators, and community features. The Site is provided “as is” and “as available” without any warranties of any kind.
3. Financial Information Disclaimer
3.1 Educational Purposes Only
The content on PennyPundit.com is for informational and educational purposes only. We are not financial advisors, and the information provided should not be considered financial advice.
3.2 Calculator Tools
The financial calculators provided on the Site are for estimation purposes only. While we strive for accuracy, we make no guarantees regarding the results or accuracy of the calculations. Users should verify all calculations independently.
4. User Responsibilities
4.1 Account Creation
Some features of the Site may require you to create an account. You are responsible for maintaining the confidentiality of your account information and for all activities under your account.
4.2 User Content
By submitting comments or other content to the Site, you:
- Grant us the right to moderate, edit, or remove your content
- Agree not to post spam, advertisements, or harmful content
- Understand that all comments are reviewed before publication
- Retain ownership of your content while granting us a license to display it
5. Prohibited Activities
Users shall not:
- Attempt to gain unauthorized access to any portion of the Site
- Use the Site for any illegal purpose
- Upload malicious code or harmful content
- Scrape or harvest data from the Site
- Impersonate others or provide false information
- Interfere with the proper functioning of the Site
6. Intellectual Property
6.1 Site Content
All content on PennyPundit.com, including but not limited to text, graphics, logos, calculator tools, and article content, is protected by copyright and other intellectual property laws.
6.2 Limited License
We grant you a limited, non-exclusive, non-transferable license to access and use the Site for personal, non-commercial purposes.
7. Privacy and Data Collection
Our collection and use of your information is governed by our Privacy Policy.
8. Third-Party Links
The Site may contain links to third-party websites. We are not responsible for the content or practices of any linked websites and provide these links solely for convenience.
9. Disclaimer of Warranties
PennyPundit.com and its content are provided “as is” without any warranties, expressed or implied. We do not guarantee the accuracy, completeness, or usefulness of any information on the Site.
10. Limitation of Liability
To the fullest extent permitted by law, PennyPundit.com shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use the Site.
11. Modifications to Terms
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site. Your continued use of the Site after any changes indicates your acceptance of the modified Terms.
12. Termination
We reserve the right to terminate or suspend access to the Site, without prior notice or liability, for any reason, including breach of these Terms.
13. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.
14. Contact Information
For questions about these Terms, please contact us.
15. Severability
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary while preserving the remaining provisions.
By using PennyPundit.com, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.