Terms of Service

Last updated: June 2, 2026

Welcome to PennyNudget. By using our website (pennynudget.polsia.app), you agree to these Terms of Service. If you do not agree, please do not use the site.

1. Acceptance of Terms

By accessing or using PennyNudget, you acknowledge that you have read, understood, and agree to be bound by these terms. We reserve the right to update these terms at any time — continued use constitutes acceptance.

2. Purpose of the Site

PennyNudget provides personal finance articles and informational content for general educational purposes only. The content is not financial, legal, or professional advice.

3. Content Disclaimer

The information on this site is provided "as is" for general informational purposes. It does not constitute:

• Professional financial advice
• Legal counsel or recommendations
• Tax or investment advice
• Guarantees of any financial outcome

You should consult a qualified financial professional before making any financial decisions. We are not responsible for any actions taken based on information from this site.

4. No Warranty

We make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the information. We do not warrant that the site will be error-free, uninterrupted, or free of viruses.

5. User Responsibility

You are solely responsible for:

• Evaluating the accuracy and usefulness of any content
• Making your own financial decisions
• Ensuring any actions you take based on site content are appropriate for your situation

6. Third-Party Content and Advertising

The site displays third-party advertising through Google AdSense. The views expressed in advertisements are those of the respective advertisers and do not reflect endorsement by PennyNudget. We are not responsible for the content or practices of third-party sites or advertisers.

7. Intellectual Property

Content on this site (articles, graphics, logos) is property of PennyNudget unless otherwise noted. You may not reproduce, distribute, or create derivative works without written permission.

8. Limitation of Liability

To the fullest extent permitted by law, PennyNudget and its operators shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the site, including but not limited to loss of money, data, or financial opportunity.

9. Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective upon posting to this page. Your continued use of the site after changes constitutes acceptance of the new terms.

10. Governing Law

These terms are governed by applicable law. Any disputes shall be resolved in accordance with the laws of the applicable jurisdiction.

11. Contact

For questions about these terms, contact us at pennynudget.polsia.app/contact or penny@pennynudget.polsia.app.