Terms of Use

Effective Date: 11/03/2025

Welcome to Pennies Earned. By accessing or using this website (penniesearned.com), you agree to the following terms and conditions. Please read them carefully.

1. Purpose of This Site

Pennies Earned is a personal finance blog created to share educational content, personal stories, and practical advice. All information is provided for general informational purposes only and is not intended as financial, legal, or professional advice.

2. Use of Content

All content on this site—including blog posts, templates, downloads, and images—is owned by *Pennies Earned* unless otherwise stated. You may:

- Share links to blog posts on social media or other platforms

- Quote brief excerpts with proper attribution

You may not:

- Copy, reproduce, or republish full articles without written permission

- Sell or distribute any content or downloads for commercial use

3. Accuracy of Information

While we strive to provide accurate and up-to-date information, Pennies Earned makes no guarantees about the completeness, reliability, or accuracy of any content. Financial topics can change over time, and readers are encouraged to do their own research or consult a professional before making decisions.

4. External Links

This site may contain links to third-party websites. These links are provided for convenience only. *Pennies Earned* is not responsible for the content, privacy practices, or accuracy of any external sites.

5. User Conduct

By using this site, you agree not to:

- Post or share any harmful, offensive, or illegal content

- Attempt to access restricted areas or interfere with site functionality

- Use the site for any unlawful or unauthorized purpose

6. Downloads and Free Resources

Any templates, spreadsheets, or downloads offered on this site are for personal use only. *Pennies Earned* is not liable for any errors, losses, or damages resulting from the use of these resources.

7. Changes to These Terms

We may update these Terms of Use from time to time. Any changes will be posted on this page with a revised effective date.

8. Contact

If you have questions about these terms, please contact us at:

📧 admin@penniesearned.com