Terms of Service

Last Updated: April 7, 2026

Welcome to PennyNex. These Terms of Service (“Terms”) govern your access to and use of the website pennynex.com (the “Site”), operated by PennyNex (“we,” “us,” or “our”). 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 the Site, you confirm that you are at least 13 years of age and that you agree to comply with and be bound by these Terms, as well as our Privacy Policy. We reserve the right to update or modify these Terms at any time, and your continued use of the Site following any changes constitutes acceptance of the revised Terms.

2. Content Is for Informational Purposes Only — Not Financial Advice

This is an important disclaimer. Please read it carefully.

All content published on PennyNex — including articles, guides, tools, calculators, videos, and any other materials — is provided strictly for general informational and educational purposes. Nothing on this Site constitutes personalized financial advice, investment advice, tax advice, legal advice, or any other form of professional advice.

We are not registered financial advisors, investment advisors, tax professionals, or licensed professionals in any financial services discipline. The information on this Site should not be relied upon as a substitute for consultation with a qualified financial professional who understands your individual circumstances.

Before making any financial decision, you should consult with an appropriately licensed and qualified professional. We expressly disclaim any liability for actions taken or not taken based on the content of this Site. Your use of any information or materials on the Site is entirely at your own risk.

3. Intellectual Property

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

You may not reproduce, distribute, modify, create derivative works from, publicly display, or otherwise exploit any content from the Site without our prior written permission, except as follows:

• You may share links to our content for non-commercial purposes.
• You may quote brief excerpts for commentary, criticism, or educational use, provided you give proper attribution and link back to the original content.

4. User Responsibilities

When using the Site, you agree to:

• Use the Site only for lawful purposes and in accordance with these Terms.
• Not attempt to interfere with or disrupt the operation of the Site, its servers, or any networks connected to the Site.
• Not attempt to gain unauthorized access to any portion of the Site or any systems or networks connected to the Site.
• Not use automated tools (bots, scrapers, or crawlers) to access the Site in a manner that exceeds reasonable usage or that violates our robots.txt directives.
• Not post, transmit, or distribute any content that is unlawful, defamatory, harassing, fraudulent, or otherwise objectionable through any interactive features of the Site (such as comments or contact forms).

We reserve the right to restrict or terminate your access to the Site at our sole discretion if we believe you have violated these Terms.

5. Third-Party Links and Services

The Site may contain links to third-party websites, products, or services that are not owned or controlled by PennyNex. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites. Inclusion of any link does not imply endorsement or recommendation by PennyNex.

We encourage you to review the terms and privacy policies of any third-party website you visit.

6. Advertising

The Site displays advertisements provided by third-party advertising networks, including Google AdSense. These advertisements may use cookies and similar technologies to serve ads based on your browsing activity. The display of any advertisement on the Site does not constitute an endorsement of the advertised product or service. Your interactions with advertisers and any purchases you make are solely between you and the advertiser.

7. Limitation of Liability

To the fullest extent permitted by applicable law, PennyNex, its owners, contributors, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to:

• Your use of, or inability to use, the Site or its content.
• Any errors, inaccuracies, or omissions in the content.
• Any financial decisions you make based on information found on the Site.
• Unauthorized access to or alteration of your data or transmissions.
• Any third-party content, products, or services accessed through the Site.

This limitation applies regardless of the legal theory under which damages are sought, including contract, tort, negligence, strict liability, or any other basis.

8. Disclaimer of Warranties

The Site and all content are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied. We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, secure, or error-free, or that any defects will be corrected.

9. Changes to These Terms

We reserve the right to modify these Terms at any time. When we make changes, we will update the “Last Updated” date at the top of this page. We encourage you to review these Terms periodically. Your continued use of the Site after any modifications indicates your acceptance of the updated Terms.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts located within the United States.

11. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

12. Contact Us

If you have any questions or concerns about these Terms, please contact us at:

PennyNex Email: hello@pennynex.com Website: pennynex.com