Terms of Service

1. Acceptance of Terms

By accessing and using PennyPilot Digital ("the Site"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Site.

2. Nature of Service

PennyPilot Digital is a comparison platform and information service. We provide tools and resources to help you compare financial products. We are not a bank, lender, credit card issuer, or financial advisor.

We do not:

• Make credit decisions
• Issue financial products
• Provide personalized financial advice
• Guarantee approval for any product

3. Accuracy of Information

We make every effort to provide accurate, up-to-date information about financial products. However:

• Terms, rates, and conditions change frequently
• Information may not reflect the most current offers
• Final terms are determined by the financial institution
• Approval and rates depend on your individual creditworthiness

Always verify all terms directly with the financial institution before applying.

4. Affiliate Relationships

PennyPilot Digital may receive compensation when you click on links to financial products or apply through our site. This compensation helps us provide our service free to consumers.

Compensation may influence where partner offers appear and whether a product is listed. For full details, see our Advertiser Disclosure.

5. User Responsibilities

By using this Site, you agree to:

• Provide accurate information when required
• Use the Site only for lawful purposes
• Not attempt to circumvent security measures
• Verify all terms with financial institutions before applying
• Make your own financial decisions based on your circumstances

6. Disclaimer of Warranties

THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not guarantee:

• The accuracy or completeness of information
• Uninterrupted access to the Site
• That errors will be corrected
• Approval for any financial product

7. Limitation of Liability

PENNYPILOT DIGITAL SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING FROM YOUR USE OF THE SITE OR ANY FINANCIAL PRODUCT OBTAINED THROUGH THE SITE.

You are solely responsible for your financial decisions. We recommend consulting with qualified financial, legal, or tax professionals for advice specific to your situation.

8. Third-Party Links

The Site contains links to third-party websites. We are not responsible for the content, accuracy, or practices of these sites. Review the terms and privacy policies of any third-party site before providing personal information.

9. Intellectual Property

All content on the Site, including text, graphics, logos, and software, is the property of PennyPilot Digital or its content suppliers and is protected by copyright laws. You may not reproduce, distribute, or create derivative works without permission.

10. Privacy

Your use of the Site is also governed by our Privacy Policy. Please review it to understand how we collect and use information.

11. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the Site after changes constitutes acceptance of the new Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.

13. Contact

For questions about these Terms, please contact us through our contact page.