Last updated: August 22, 2026
Welcome to pennyteam.com ("Penny Team," "the site"). By accessing or using the site, you agree to these terms. If you don't agree with them, please don't use the site — no hard feelings.
1. What the site provides
Penny Team publishes articles, guides, and commentary about household budgeting and frugal living. All content is provided for general informational and educational purposes only. It is not financial, investment, legal, tax, or insurance advice, and it is not tailored to your circumstances. See our editorial disclaimer for the full statement.
2. Accuracy and prices
We work hard to verify facts, prices, and program rules at the time of publication, and each article shows its published and last-updated dates. But prices change weekly, programs change their rules, and regional variation is enormous. We make no guarantee that any price, rate, statistic, or program detail remains accurate when you read it. Always verify current prices and terms directly with the retailer, provider, or government agency before making decisions.
3. Intellectual property
All content on this site — articles, illustrations, graphics, and the Penny Team name and wordmark — is owned by Penny Team unless otherwise noted, and is protected by copyright. You're welcome to:
- Link to any page, with or without asking.
- Quote brief excerpts with attribution and a link back.
You may not republish full articles, scrape the site's content for republication or for training commercial datasets, or use our content in a way that suggests we endorse you, without written permission. Ask first: hello@pennyteam.com — we're reasonable.
4. Your conduct
You agree not to use the site to violate any law, attempt to breach its security, interfere with its operation, or misrepresent your affiliation with Penny Team.
5. Third-party links
The site links to third-party websites (stores, government agencies, research sources). We don't control those sites and aren't responsible for their content, availability, accuracy, or practices. A link is evidence for a claim or a pointer to a resource, not an endorsement of everything a site does.
6. Disclaimer of warranties
The site is provided "as is" and "as available" without warranties of any kind, express or implied, including fitness for a particular purpose and non-infringement. We don't warrant that the site will be uninterrupted, error-free, or that its content is complete or current.
7. Limitation of liability
To the fullest extent permitted by law, Penny Team and its author(s) will not be liable for any indirect, incidental, consequential, or special damages — including money lost or spent — arising from your use of, or reliance on, the site or its content. Your sole and exclusive remedy for dissatisfaction with the site is to stop using it.
8. Changes
We may update these terms from time to time; the "last updated" date above reflects the current version. Continued use of the site after changes means you accept the updated terms.
9. Contact
Questions about these terms: contact us or hello@pennyteam.com.