Terms of Service

Last updated: July 7, 2026

Please read these Terms of Service ("Terms") carefully before using thepennyowl.com (the "Website") operated by The Penny Owl ("us," "we," or "our"). Your access to and use of this Website is conditional upon your acceptance of and compliance with these Terms. These Terms apply to everyone, including visitors, users, and others who wish to access and use the Website.

By accessing or using the Website, you agree to be bound by these Terms. If you disagree with any part of the Terms, you do not have our permission to access or use the Website.

Comments and Uploading Content

By submitting a comment or uploading content onto this Website, you grant The Penny Owl a worldwide, non-exclusive, perpetual, royalty-free license to reproduce, publish, and distribute such content. You agree that any content you submit may be viewed by other parties and it is your responsibility to ensure it does not contain confidential or proprietary information. You are responsible for ensuring your content does not violate any laws, rules, or regulations. We reserve the right to remove any content at any time in our sole discretion.

Prohibited Uses

You agree to use this Website in accordance with all applicable laws, rules, regulations, and these Terms. Without limiting the foregoing, you agree that you will not:

No Warranty on Website

THIS WEBSITE IS PROVIDED "AS IS." NO WARRANTY, EXPRESS OR IMPLIED (INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, OF SATISFACTORY QUALITY, OR FITNESS FOR A PARTICULAR PURPOSE OR USE) SHALL APPLY TO THIS WEBSITE, WHETHER ARISING BY LAW, COURSE OF DEALING, COURSE OF PERFORMANCE, USAGE OF TRADE, OR OTHERWISE.

Availability, Errors, and Inaccuracies

We assume no liability for the availability, errors, or inaccuracies of the information, products, or services provided on this Website. We may experience delays in updating information on this Website. The information, products, and services found on the Website may contain errors or inaccuracies or may not be complete or current. We expressly reserve the right to correct any errors on our Website. The inclusion or offering of any product or service on this Website does not constitute an endorsement or recommendation of such product or service by us.

Damages and Limitation of Liability

IN NO EVENT SHALL THE PENNY OWL BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR ACCESS TO, DISPLAY OF, OR USE OF THIS WEBSITE OR WITH THE DELAY OR INABILITY TO ACCESS, DISPLAY, OR USE THIS WEBSITE, INCLUDING BUT NOT LIMITED TO YOUR RELIANCE UPON OPINIONS OR INFORMATION APPEARING ON THIS WEBSITE; ANY COMPUTER VIRUSES, INFORMATION, SOFTWARE, LINKED WEBSITES OPERATED BY THIRD PARTIES, PRODUCTS OR SERVICES OBTAINED THROUGH THIS WEBSITE, WHETHER BASED ON A THEORY OF NEGLIGENCE, CONTRACT, TORT, STRICT LIABILITY, CONSUMER PROTECTION STATUTES, OR OTHERWISE, EVEN IF THE PENNY OWL HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

THE AGGREGATE LIABILITY OF THE PENNY OWL ARISING OUT OF OR RELATING TO THIS WEBSITE SHALL BE LIMITED TO THE AMOUNT OF FEES ACTUALLY RECEIVED BY THE PENNY OWL FROM YOU.

Links to Third-Party Websites

This Website may contain hyperlinks to websites operated by third parties and not by us. We provide such hyperlinks for your reference only. We do not control such websites and are not responsible for their contents or the privacy or other practices of such websites. Our inclusion of hyperlinks to such websites does not imply any endorsement of the material on such websites or any association with their operators.

SMS Messaging

If you opt in to receiving SMS messages from us, we will send you promotional messages. Please note that messaging frequency may vary. Message and data rates may apply. Carriers are not liable for undelivered or delayed messages. You may opt out of SMS messages at any time by texting "STOP." For assistance, text "HELP." For additional information regarding SMS messaging and your privacy, please read our Privacy Policy.

Intellectual Property and DMCA

All contents of this Website are © 2026 The Penny Owl or third parties. All rights reserved. Unless specified otherwise, this Website and all content and other materials on this Website — including but not limited to all logos, designs, text, graphics, pictures, information, data, and software — are the proprietary property of The Penny Owl and are either registered trademarks, trademarks, or otherwise protected intellectual property.

If you believe in good faith that content on this Website infringes on your intellectual property rights, you may send us a written notice of such infringement titled "Infringement of Intellectual Property Rights – DMCA" to legal@thepennyowl.com. Your notice must include: a description of the copyrighted work; the URL where the allegedly infringing material appears; your contact information; a statement of good faith belief; and your signature.

Governing Law and Dispute Resolution

These Terms shall be governed and construed in accordance with the laws of the United States, without regard to conflict of laws provisions. Any disputes arising out of or relating to these Terms or the Website shall be resolved through binding arbitration, except where prohibited by law.

YOU AND THE PENNY OWL AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION.

Changes to Terms of Service

We reserve the right to make changes to these Terms of Service at any time. Your continued use of the Website after any changes constitutes your acceptance of the updated Terms.

Questions

If you have any questions about our Terms of Service, please contact us at:
The Penny Owl
legal@thepennyowl.com
thepennyowl.com