Terms & Disclaimer

By accessing or using Club Penny services, you agree to be bound by these Terms of Service ("Terms").

1. Service Description: Club Penny provides personalized guidance, coaching, and concierge services through digital communication. Penny is a service persona designed to provide solutions, advice, and support for business and personal matters.

2. Membership: Club Penny operates on an invitation-only basis. Your first solution is provided free. Continued access requires a monthly subscription of $9, which may be canceled at any time without penalty.

3. Communication Policy: All official communication occurs exclusively through email. Club Penny does not maintain social media accounts. Any accounts claiming to represent Club Penny on social platforms are unauthorized and should be reported.

4. Privacy and Discretion: Club Penny maintains strict confidentiality of all communications and client information. We expect the same discretion from our members regarding the source of solutions and advice received.

5. Acceptable Use: Members agree to use Club Penny services for legitimate business and personal guidance only. Misuse of services or violation of these terms may result in immediate termination of membership. Members agree to use Club Penny services for legitimate, respectful communication only. Requests that are abusive, harassing, illegal, harmful, or unethical will not be entertained and may result in immediate termination of membership.

6. Limitation of Liability: Club Penny provides guidance and recommendations based on information provided by members. Results are not guaranteed, and members assume full responsibility for implementation of any advice received.

Not Financial Advice: Club Penny does not provide financial, investment, trading, or stock market advice. "Penny" refers to our service persona, not any financial instrument or investment vehicle.

Educational Purpose: All guidance provided is for educational and informational purposes only. Members should conduct their own research and consult with qualified professionals before making business or financial decisions.

Professional Capacity: Penny provides guidance and conversation in a professional, supportive capacity. This service is not licensed legal, financial, or medical advice. All responses are for informational and educational purposes, and members are solely responsible for how they choose to act on them.

No Guarantees: While Club Penny strives to provide valuable guidance, we cannot guarantee specific outcomes, results, or success from implementing our recommendations.

Risk Acknowledgment: Any business or personal decisions made based on Club Penny guidance are at the member's sole risk and discretion.

Information Collection: We collect only the information necessary to provide our services, including email communications and payment information for subscriptions.

Data Usage: Your information is used solely to deliver Club Penny services and improve our offerings. We do not sell, rent, or share personal information with third parties except as required by law.

Data Security: We implement industry-standard security measures to protect your personal information and communications.

Communication Records: Email communications are retained to maintain service continuity and quality. You may request deletion of your communications at any time.

Cookies: Our website may use cookies to improve user experience. You can control cookie settings through your browser.