Terms of Service

Last Updated: February 7, 2026

Welcome to PennyExplained.com (the "Site"). These Terms of Service ("Terms") govern your use of our Site. By accessing or using the Site, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Site.

1. Acceptance of Terms

By using this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy and Disclaimer. These Terms apply to all visitors, users, and others who access or use the Site.

2. Use of the Site

Permitted Use

You may use the Site for lawful, personal, non-commercial purposes. You agree to use the Site only for purposes that are legal and in accordance with these Terms.

Prohibited Use

You agree not to:

• Use the Site for any unlawful purpose or in violation of any laws
• Attempt to gain unauthorized access to any part of the Site
• Interfere with or disrupt the Site or servers
• Transmit any viruses, malware, or other malicious code
• Scrape, copy, or reproduce content from the Site without permission
• Use automated systems (bots, scrapers) to access the Site
• Impersonate any person or entity
• Harass, abuse, or harm another person
• Collect or store personal data about other users

3. Intellectual Property Rights

All content on this Site, including but not limited to text, graphics, logos, images, calculators, and software, is the property of PennyExplained or its content suppliers and is protected by copyright, trademark, and other intellectual property laws.

You may not:

• Reproduce, distribute, or display Site content without written permission
• Modify or create derivative works based on Site content
• Remove any copyright or proprietary notices
• Use Site content for commercial purposes without authorization

4. Educational Content Only

Important: The Site provides educational information about personal finance basics. It does not provide financial, investment, tax, or legal advice. See our Disclaimer for full details.

You acknowledge that:

• Information on the Site is for educational purposes only
• You should not rely solely on Site content for financial decisions
• You should consult qualified professionals for personalized advice
• Calculator results are estimates and not guarantees

5. User-Generated Content

If you submit content to the Site (e.g., through contact forms or comments), you grant us a non-exclusive, royalty-free, worldwide license to use, reproduce, and display that content for the purpose of operating and improving the Site.

You agree that any content you submit:

• Is accurate and not misleading
• Does not violate any laws or third-party rights
• Does not contain offensive, defamatory, or inappropriate material
• Does not contain personal financial information

6. Third-Party Links and Content

The Site may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of third-party sites. Your use of third-party websites is at your own risk and subject to their terms and conditions.

7. Advertising

The Site displays third-party advertisements. We are not responsible for the content of advertisements or the products/services they promote. Clicking on advertisements may redirect you to third-party websites.

8. Disclaimer of Warranties

THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

We do not warrant that:

• The Site will be uninterrupted or error-free
• Defects will be corrected
• The Site is free of viruses or harmful components
• Information on the Site is accurate, complete, or current

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, PENNYEXPLAINED AND ITS OWNERS, OPERATORS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES RESULTING FROM:

• Your use or inability to use the Site
• Any unauthorized access to or use of our servers
• Any interruption or cessation of transmission to or from the Site
• Any bugs, viruses, or other harmful code
• Any errors or omissions in any content
• Any loss or damage resulting from your use of content obtained from the Site

10. Indemnification

You agree to indemnify, defend, and hold harmless PennyExplained and its owners, operators, and affiliates from any claims, liabilities, damages, losses, and expenses (including legal fees) arising from your use of the Site or violation of these Terms.

11. Changes to the Site

We reserve the right to modify, suspend, or discontinue any part of the Site at any time without notice. We are not liable to you or any third party for any modification, suspension, or discontinuation of the Site.

12. Changes to Terms

We may update these Terms from time to time. Changes will be effective immediately upon posting. Your continued use of the Site after changes constitutes acceptance of the updated Terms. We encourage you to review these Terms periodically.

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. Dispute Resolution

Any disputes arising from these Terms or your use of the Site shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.

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, and the remaining provisions shall remain in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and PennyExplained regarding your use of the Site.

17. Contact Information

If you have any questions about these Terms, please contact us through our Contact page.

Email: legal@pennyexplained.com