Terms of Use & Financial Disclaimer

Updated June 2026

Please read these terms carefully. By using PennyPath you agree to them.

Last updated: 2026-06-02

Financial disclaimer. PennyPath provides educational tools and information only. It is NOT financial, investment, tax, or legal advice. Calculator results are estimates based on the assumptions you enter and simplified models; real outcomes vary. Always consult a qualified professional before making financial decisions.

1. Acceptance of terms

By accessing or using PennyPath ("the site"), you agree to be bound by these Terms of Use. If you do not agree, please do not use the site. These terms apply to all visitors and users.

2. Use of the calculators

Our calculators and content are provided for general educational and informational purposes. Results are estimates generated from the inputs you provide and from simplified mathematical models that cannot account for every real-world factor (taxes, fees, inflation, market changes, your personal circumstances, and more).

We make no warranty — express or implied — as to the accuracy, completeness, or suitability of any result for your situation. You are responsible for verifying any figure before relying on it.

3. Affiliate disclosure

PennyPath is supported in part by advertising and affiliate partnerships. Some outbound links are affiliate links, which means we may earn a commission if you sign up for or purchase a product through them — at no additional cost to you. These relationships never influence our calculations or results, and we aim to recommend only options we'd consider ourselves.

4. Intellectual property

The site's design, text, calculators, code, and branding are the property of PennyPath or its licensors and are protected by applicable intellectual-property laws. You may use the calculators for your personal, non-commercial purposes. You may not copy, reproduce, or redistribute substantial portions of the site without permission.

5. Limitation of liability

To the fullest extent permitted by law, PennyPath and its operators shall not be liable for any direct, indirect, incidental, consequential, or other damages arising from your use of — or inability to use — the site or its calculators, including any decisions made or actions taken based on the results or content. The site is provided "as is" and "as available."

6. External links

The site may link to third-party websites and resources. We do not control and are not responsible for the content, accuracy, products, or practices of those sites. Following an external link is at your own risk, and their terms and privacy policies govern your use of them.

7. Changes to these terms

We may update these terms from time to time. When we do, we'll revise the "Last updated" date above. Your continued use of PennyPath after changes take effect constitutes acceptance of the revised terms.

8. Governing law

These terms are governed by the laws of the applicable jurisdiction in which PennyPath operates, without regard to conflict-of-law principles. [Placeholder — replace with your governing jurisdiction before launch.]

9. Contact

Questions about these terms? Reach us through our contact page.