1. Acceptance of Terms
By accessing and using the Penny Pincher website (the "Site"), you accept and agree to be bound by the terms and provision of this agreement. In addition, when using this Site's particular services, you shall be subject to any posted guidelines or rules applicable to such services. Any participation in this service will constitute acceptance of this agreement. If you do not agree to abide by the above, please do not use this service.
2. Description of Service
Penny Pincher is a referral service and not an insurance carrier, agent, or broker. We provide a platform that allows you to compare insurance quotes and financial products from third-party providers ("Partners"). We do not issue insurance policies or financial products, and we do not endorse or guarantee the products or services of any Partner.
3. Referrals and Compensation
Compensation Disclosure: Penny Pincher may receive compensation from our Partners when you click on links, call phone numbers, or submit a form on our Site to request a quote. This compensation may impact how, where, and in what order products appear on this Site.
No Endorsement: Our inclusion of specific products or services does not constitute an endorsement or recommendation. We encourage you to carefully review the terms and conditions of any product or service before purchasing.
4. Quote Accuracy and Availability
Estimates Only: Any quotes or rates provided on the Site are estimates based on the information you provide and are not guaranteed. Final rates and availability are determined solely by the insurance carrier or financial institution based on their underwriting criteria, which may include your credit history, driving record, claims history, and other factors.
Subject to Change: Rates and program guidelines are subject to change without notice. We do not guarantee that you will qualify for the rates displayed or that you will be approved for any product.
5. User Responsibilities
By using this Site, you represent that:
- You are at least 18 years of age.
- All information you submit is truthful, accurate, and complete.
- You will maintain the accuracy of such information.
- You will not use the Site for any illegal or unauthorized purpose.
6. Limitation of Liability
Penny Pincher shall not be liable for any damages, including but not limited to direct, indirect, incidental, special, or consequential damages, arising out of or in connection with the use or inability to use the Site or any services provided by our Partners. We are not responsible for any errors or omissions in the content of the Site or for any actions taken in reliance thereon.
7. Intellectual Property
The Site and its original content, features, and functionality are owned by Penny Pincher and are protected by international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
8. Changes to Terms
We reserve the right to modify these terms from time to time at our sole discretion. Therefore, you should review this page periodically. Your continued use of the Website after any such change constitutes your acceptance of the new Terms. If you do not agree to any of these terms or any future version of the Terms, do not use or access (or continue to access) the Site.
9. Contact Information
If you have any questions about these Terms of Service, please contact us at:
Email: contact@pennypincher.com
Address: 2306 Lake Austin Blvd, Austin, TX 78703