Last Updated: February 7, 2026
The information provided on PennyExplained.com (the "Site") is for general educational and informational purposes only. By using this Site, you acknowledge and agree to the following disclaimers.
The content on this Site is not intended to be and does not constitute financial, investment, tax, or legal advice. All information, articles, calculators, and tools provided on this Site are for educational purposes only and should not be considered professional advice.
We are not financial advisors, investment professionals, tax professionals, or lawyers. The information on this Site is general in nature and does not take into account your individual financial situation, goals, or needs.
Use of this Site does not create a professional-client relationship between you and PennyExplained. For personalized financial advice, please consult with a qualified financial advisor, accountant, or legal professional who can assess your specific circumstances.
While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the information, articles, or calculators on this Site.
Financial information, laws, and regulations change frequently. We cannot guarantee that all information on this Site is current or applicable to your situation.
The calculators provided on this Site are educational tools designed to illustrate financial concepts. The results generated by these calculators are estimates and should not be relied upon as exact figures or guarantees.
Calculator results:
This Site may contain links to third-party websites for your convenience. We are not responsible for the content, accuracy, or practices of any third-party websites. Visiting third-party sites is at your own risk.
This Site may display third-party advertisements. We are not responsible for the content of these advertisements or the products and services they promote. The presence of an advertisement on our Site does not constitute an endorsement of the advertised product or service.
Following the information, methods, or strategies described on this Site does not guarantee any particular financial outcome. Your individual results will vary based on your personal circumstances, financial situation, and efforts.
You are solely responsible for your financial decisions. Any action you take based on information from this Site is at your own risk. We will not be liable for any losses, damages, or adverse consequences resulting from your use of the information on this Site.
We reserve the right to update, modify, or remove any content on this Site at any time without notice. We are not obligated to update outdated information.
To the fullest extent permitted by law, PennyExplained and its owners, operators, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this Site or reliance on any information provided.
This includes but is not limited to:
This Site may contain affiliate links. If you click on an affiliate link and make a purchase, we may receive a commission at no additional cost to you. This does not influence our content, and we only link to products or services we believe may be helpful to our readers.
The primary purpose of this Site is to educate visitors about personal finance basics. Our content is designed to help you understand financial concepts, not to tell you what specific actions to take with your money.
For personalized financial guidance, we strongly encourage you to consult with qualified professionals, including:
Information on this Site is primarily based on United States financial systems, laws, and practices. If you are located outside the United States, please consult resources and professionals familiar with your country's financial regulations.
We reserve the right to modify this Disclaimer at any time. Changes will be effective immediately upon posting to the Site. Your continued use of the Site after any changes constitutes acceptance of the modified Disclaimer.
If you have any questions about this Disclaimer, please contact us through our Contact page.
Important: The information on this Site is provided "as is" without warranty of any kind. By using this Site, you agree that you are using it at your own risk and that we are not liable for any consequences resulting from your use of the information provided.