Terms of Use

Effective Date: September 18, 2026

Welcome to Penny Brief.

These Terms of Use ("Terms") govern your access to and use of pennybrief.com, including its articles, newsletter, emails, features, and related services.

By accessing or using Penny Brief, you agree to these Terms. If you do not agree with these Terms, please do not use the website.

Penny Brief is a media and publishing website that provides articles, newsletters, commentary, research, and educational content concerning money, business, economics, markets, companies, consumer behavior, and related subjects.

Our content is intended primarily for informational and educational purposes.

Penny Brief provides general information, not personalized professional advice.

Nothing published by Penny Brief should be interpreted as:

Financial circumstances differ from person to person. You are responsible for conducting your own research and obtaining professional advice appropriate to your circumstances before making financial, investment, tax, legal, or other important decisions.

Any examples, calculations, historical information, projections, scenarios, or estimates are provided for illustration or educational purposes and may not reflect future results.

We make reasonable efforts to produce useful and accurate content.

However, information can change quickly. Market prices, interest rates, regulations, company policies, product availability, economic conditions, and other facts may change after publication.

Accordingly, we do not guarantee that every article or other piece of content is complete, accurate, current, or suitable for your particular circumstances.

Corrections or updates may be made when appropriate.

You agree to use Penny Brief only for lawful purposes.

You may not:

We may restrict or terminate access where we reasonably believe these Terms have been violated.

You may subscribe to the Penny Brief newsletter by providing an email address.

By subscribing, you agree to receive the communications associated with the newsletter.

You can unsubscribe from marketing emails at any time using the unsubscribe mechanism included in those emails.

We may use third-party email service providers to deliver newsletters and measure email performance.

Unless otherwise stated, the content published by Penny Brief, including articles, text, graphics, logos, page designs, branding, and other original materials, is owned by or licensed to Penny Brief and is protected by applicable intellectual-property laws.

You may:

You may not reproduce, republish, sell, distribute, modify, or commercially exploit substantial portions of Penny Brief content without our prior written permission.

Nothing in these Terms transfers ownership of Penny Brief intellectual property to you.

If you submit comments, feedback, suggestions, questions, or other material to Penny Brief, you represent that you have the necessary rights to provide that material.

By submitting material, you grant Penny Brief a non-exclusive, worldwide, royalty-free license to use, reproduce, modify, publish, and display the material for purposes related to operating, improving, and promoting Penny Brief, subject to applicable law.

We are not obligated to publish or retain submitted material.

Penny Brief may contain links to third-party websites, products, services, companies, or resources.

These links are provided for convenience and informational purposes.

We do not control third-party websites and are not responsible for their content, accuracy, availability, privacy practices, security, products, or services.

Your interactions with third parties are between you and the applicable third party.

Some links on Penny Brief may be affiliate links.

When you click an affiliate link and make a qualifying purchase or take another qualifying action, we may receive compensation at no additional cost to you.

Affiliate compensation does not automatically mean that a product or service is appropriate for you.

Additional information is available in our Affiliate Disclosure.

Penny Brief is provided on an "as is" and "as available" basis to the extent permitted by law.

We do not guarantee that:

To the maximum extent permitted by applicable law, Penny Brief and its owners, operators, employees, contractors, and service providers will not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages arising from or related to your use of, or inability to use, Penny Brief.

This includes losses arising from reliance on information published on the website or in our newsletter.

Nothing in these Terms excludes liability that cannot legally be excluded or limited under applicable law.

To the extent permitted by applicable law, you agree to indemnify and hold harmless Penny Brief and its owners, operators, employees, contractors, and service providers from claims, liabilities, damages, losses, and expenses arising from your violation of these Terms, your unlawful use of the website, or your infringement of another person's rights.

We may update these Terms from time to time.

The updated version will be posted on this page with a revised Effective Date.

Your continued use of Penny Brief after changes become effective constitutes acceptance of the updated Terms to the extent permitted by law.

These Terms are governed by the laws of [STATE/COUNTRY], without regard to its conflict-of-law principles, except where applicable law requires otherwise.

Any disputes will be subject to the applicable courts located in [JURISDICTION], unless applicable law provides otherwise.

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will remain in full force and effect to the extent permitted by law.

These Terms, together with any policies expressly incorporated into them, constitute the agreement between you and Penny Brief concerning your use of the website.

Questions regarding these Terms may be sent to:

Penny Brief
Website: pennybrief.com
Email: [CONTACT EMAIL]
Business/Postal Address: [BUSINESS ADDRESS]