PennyNex logo

Terms of Service

Last Updated: 23 April 2026

Welcome to PennyNex. These Terms of Service (“Terms”) govern your access to and use of pennynex.com (the “Site”), operated as a personal blog by Sergio Ligero, an individual resident in Spain. By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

1. Acceptance of terms

By using the Site, you confirm that you are at least 13 years old and that you agree to comply with these Terms and the Privacy Policy. We may update these Terms at any time; continued use of the Site after changes means you accept the revised Terms.

2. Content is for informational purposes only — not financial advice

Please read this disclaimer carefully.

All content on PennyNex — articles, guides, calculators, tools and any other material — is provided for general informational and educational purposes only. Nothing on the Site constitutes personalised financial, investment, tax, legal or accounting advice.

Sergio Ligero is not a licensed financial advisor, investment adviser, tax adviser or accountant in Spain, the US, the UK or any other jurisdiction. The Site should not be relied on as a substitute for consultation with a licensed professional who understands your individual situation.

Before making any financial decision, consult a qualified professional licensed in your country. You use any information or materials from the Site entirely at your own risk. We expressly disclaim any liability for actions taken or not taken based on the content of this Site.

3. Intellectual property

All content on the Site — text, graphics, logos, images, calculators, layout, and code — is owned by Sergio Ligero or the Site’s licensors 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 Site content without prior written permission, except that:

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

4. Acceptable use

When using the Site you agree to:

  • Use the Site only for lawful purposes and consistent with these Terms.
  • Not interfere with or disrupt the Site, its servers, or any networks.
  • Not attempt unauthorised access to any part of the Site or related systems.
  • Not use automated tools (bots, scrapers, crawlers) in a way that exceeds reasonable personal use or violates robots.txt.
  • Not post, transmit, or distribute content that is unlawful, defamatory, harassing, fraudulent, or otherwise objectionable through any interactive feature (comments, contact form, email).

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

The Site links to third-party websites, products, or services that are not owned or controlled by Sergio Ligero. We have no control over, and assume no responsibility for, the content, policies, or practices of any third-party site. A link is not an endorsement. Review the third party’s terms and privacy policy before using it.

The Site displays advertisements served by third-party networks, including Google AdSense. Ads may use cookies and similar technologies; see the Privacy Policy for details. The display of an ad is not an endorsement.

Some articles include affiliate links — if you sign up or buy through them, we may receive a commission at no extra cost to you. Affiliate relationships are disclosed on the pages where they apply. Affiliate purchases are solely between you and the advertiser.

7. Limitation of liability

To the fullest extent permitted by applicable law, Sergio Ligero 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 decision you make based on information on the Site.
  • Unauthorised access to or alteration of your data or transmissions.
  • Any third-party content, product, or service 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 — except where such limitation is not permitted by mandatory law in your jurisdiction.

8. Disclaimer of warranties

The Site and all content are provided on an “as is” and “as available” basis, without warranties of any kind, express or implied. We disclaim all warranties including 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 defects will be corrected.

9. Changes to these Terms

We reserve the right to modify these Terms at any time. When we do, the “Last Updated” date above is changed. Continued use of the Site after modifications means you accept the updated Terms.

10. Governing law and jurisdiction

These Terms are governed by and construed in accordance with the laws of the Kingdom of Spain, without regard to conflict-of-law principles. Any dispute arising out of or relating to these Terms shall be subject to the exclusive jurisdiction of the competent courts of Spain, without prejudice to any mandatory consumer protection rights you may have under the law of your country of residence.

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

For any question about these Terms: