Terms of Service

1. Acceptance of Terms

By accessing or using PennyMath ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

2. Description of Service

PennyMath provides free online financial calculators and educational content. The Service is provided "as is" and "as available" without warranties of any kind.

3. Not Financial Advice

You should not rely solely on information from this Service when making financial decisions. Always consult with a qualified financial advisor, tax professional, or other expert before making important financial decisions.

4. Accuracy of Calculations

While we strive to ensure our calculators are accurate, we make no guarantees about the accuracy, completeness, or reliability of any calculations. Financial calculations involve many variables and assumptions that may not reflect your specific situation.

Factors that may affect accuracy include but are not limited to:

• Market volatility and unpredictable returns
• Changes in tax laws and regulations
• Inflation fluctuations
• Individual circumstances not accounted for in general formulas
• Rounding and computational limitations

5. User Responsibilities

You are responsible for:

• Verifying the accuracy of any inputs you provide
• Understanding the assumptions and limitations of each calculator
• Seeking professional advice for your specific situation
• Using the Service in compliance with applicable laws

6. Intellectual Property

The content, design, and functionality of PennyMath are protected by copyright and other intellectual property laws. You may use the Service for personal, non-commercial purposes. You may not:

• Copy or reproduce the Service for commercial purposes
• Modify, adapt, or create derivative works
• Remove any copyright or proprietary notices
• Use automated tools to scrape or download content

7. Limitation of Liability

To the maximum extent permitted by law, PennyMath and its creators shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:

• Your use of or inability to use the Service
• Any errors or omissions in calculator results
• Financial decisions made based on information from the Service
• Unauthorized access to or alteration of your data

8. Indemnification

You agree to indemnify and hold harmless PennyMath and its creators from any claims, damages, or expenses arising from your use of the Service or violation of these Terms.

9. Changes to Terms

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

10. Governing Law

These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles.

11. Contact

If you have questions about these Terms, please contact us at reach@pennymath.fyi.