Terms of Use

These Terms of Use (“Terms”) govern your use of pennyguide.org (the “Site”), operated by [LEGAL ENTITY NAME], LLC d/b/a PennyGuide (“PennyGuide,” “we,” “us”). By using the Site, you agree to these Terms. If you don’t agree, please don’t use the Site.

1. Educational information only

PennyGuide is an independent educational website. We are not a bank, lender, credit counselor, government agency, or licensed financial, tax, investment, insurance, or legal advisor. Content on the Site is general information, not personal advice, and is not an offer or solicitation for any product. We do not process applications, determine eligibility, or administer any public program. Always confirm program rules and deadlines with the official source, and consider speaking with a qualified professional about your situation.

2. Tools and calculators

Our calculators and checklists produce estimates based only on the numbers you enter and the assumptions stated on the tool. Results are not guaranteed outcomes and may differ from the figures a lender, provider, or agency would calculate. You are responsible for decisions you make using them.

3. No guarantees about savings or assistance

We describe ways people may reduce expenses or find help, but we make no promise that you will save a particular amount, qualify for any program, or obtain any credit or service.

4. Text messages

Our optional text program is governed by our SMS Terms & Conditions, which are part of these Terms. Subscribing is never required to use the Site.

5. Acceptable use

Please don’t misuse the Site — for example by attempting to disrupt it, scraping it at scale, submitting false information through our forms, or using it for any unlawful purpose.

6. Intellectual property

The Site’s text, design, logo, and tools are owned by [LEGAL ENTITY NAME] or its licensors. You may print or share pages for personal, non-commercial use with attribution. Photographs are used under the Unsplash License.

7. Third-party links

We link to government agencies, nonprofits, and other websites for your convenience. We don’t control them and aren’t responsible for their content or practices.

8. Disclaimers and limitation of liability

The Site is provided “as is” and “as available,” without warranties of any kind, to the fullest extent permitted by law. To the fullest extent permitted by law, [LEGAL ENTITY NAME] will not be liable for any indirect, incidental, or consequential damages arising from your use of the Site.

9. Changes

We may update these Terms and will change the date above when we do. Continued use of the Site after changes means you accept them.

10. Governing law

These Terms are governed by the laws of [GOVERNING STATE], without regard to conflict-of-law rules.

11. Contact

[LEGAL ENTITY NAME], LLC d/b/a PennyGuide, [STREET ADDRESS], [CITY, STATE ZIP] · support@pennyguide.org · [BUSINESS PHONE NUMBER]