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Terms of Use

Last updated: May 2026

These Terms of Use (the “Terms”) govern your access to and use of the Penny Pincher website and any related content, tools, and services (collectively, the “Service”). By using the Service you agree to these Terms. If you do not agree, do not use the Service.

1. Eligibility

You must be at least 18 years old and a resident of the United States to use the Service. By using the Service you represent that you meet these requirements.

2. Educational content only

The information on Penny Pincher is for educational and informational purposes. It is not insurance, legal, tax, accounting, or financial advice. Insurance products are sold by licensed carriers and agents, not by Penny Pincher. Always read the policy documents and consult a licensed professional before purchasing insurance.

3. Third-party offers

The Service displays offers from third-party insurance carriers, agencies, and marketplaces. Penny Pincher does not control those parties and is not responsible for their products, websites, pricing, underwriting decisions, or customer service. Your interactions with any third party are solely between you and that third party.

4. Advertising compensation

Penny Pincher is supported by advertising. We may receive compensation when you click an offer or complete an application with a partner. Compensation may influence which offers appear on the Service and where they appear, but it does not influence our editorial assessments. See our Editorial Standards for details.

5. Acceptable use

You agree not to:

6. Intellectual property

The Service and all of its content — including text, graphics, logos, illustrations, software, and the arrangement of all of the foregoing — are owned by Penny Pincher or its licensors and are protected by copyright, trademark, and other intellectual-property laws. You may view and use the Service for personal, non-commercial purposes only. Any other use requires our written permission.

7. Disclaimer of warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. PENNY PINCHER DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR HARMFUL CODE.

8. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, PENNY PINCHER AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICE. OUR AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF THE SERVICE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US$100).

9. Indemnification

You agree to defend, indemnify, and hold harmless Penny Pincher from any claims, damages, liabilities, losses, costs, or expenses (including reasonable attorneys’ fees) arising out of your use of the Service, your breach of these Terms, or your violation of any law or the rights of a third party.

10. Governing law and disputes

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws principles. Any dispute arising out of or relating to these Terms or the Service will be resolved exclusively in the state or federal courts located in Delaware, and you consent to the personal jurisdiction of those courts.

11. Changes to the Terms

We may modify these Terms at any time. When we do, we will update the “Last updated” date above and, if the changes are material, provide additional notice on the Service. Your continued use of the Service after the effective date constitutes acceptance of the revised Terms.

12. Contact

Questions about these Terms can be sent to legal@pennypincher.example.