Terms of Use
Last updated: October 9, 2026
By using thepennyfy.com you agree to these terms. If you do not agree, please do not use the site.
1. General information only
Content on The Pennyfy is for general information and education. It is not financial, investment, tax or legal advice and does not take your circumstances into account. Please read our Disclaimer. Speak to a qualified professional before making a financial decision. In the UK, free guidance is available from MoneyHelper. In the US, see the CFPB and Investor.gov.
2. Not a regulated service
The Pennyfy is not authorised or regulated by the Financial Conduct Authority or any US financial regulator, and its authors are not regulated financial advisers.
3. Accuracy
We work to keep content accurate and up to date, but we do not guarantee that it is complete or current. Laws, rates and allowances change. Check the official source before relying on any figure.
4. Third-party sites
Links to other sites are provided for convenience. We do not control those sites and are not responsible for their content or privacy practices.
5. Intellectual property
The text, graphics and design on this site belong to The Pennyfy or its licensors. You may quote short extracts with a clear credit and a link back to the original page. You may not copy whole articles or republish them without written permission.
6. Acceptable use
You must not misuse the site, attempt to break its security, scrape it in a way that harms performance, or use it for unlawful purposes. You must not click on advertisements for the purpose of generating revenue.
7. Limitation of liability
To the extent the law allows, The Pennyfy is not liable for losses arising from reliance on the site’s content. Nothing in these terms limits liability that cannot be limited by law, and nothing affects the statutory rights of consumers.
8. Changes
We may update these terms. The date at the top shows the latest version. Continued use of the site means you accept the updated terms.