Terms of Service

Last updated: May 24, 2026

1. What PennySense Is

PennySense is a free website with financial calculators. We help you understand your money. Our tools are for personal, non-commercial use only.

2. Not Financial Advice

Our calculators give estimates — not advice. We are not financial advisors, tax professionals, or mortgage brokers. The numbers you see are for informational purposes only. Talk to a licensed professional before making major financial decisions.

3. Accuracy

We work hard to keep our calculators accurate and up to date. But we can't guarantee every result is perfect. Tax rates change. Interest rates change. Laws change. Always verify important numbers with official sources.

4. Use at Your Own Risk

You use PennySense at your own risk. We are not responsible for any decisions you make based on our calculators. This includes financial losses, missed opportunities, or any other outcomes.

5. Ads

PennySense shows ads to keep the tools free. We don't control the content of ads. Clicking an ad takes you to a third-party site — we are not responsible for those sites.

6. Intellectual Property

The PennySense name, logo, and website content belong to us. You may use our tools for free. You may not copy, resell, or republish our tools or content without permission.

7. Changes

We may update these terms at any time. Changes take effect when posted. Check back now and then.

8. Contact

Questions about these terms? Email us at hello@pennysense.co.