legal
Terms of Use
Pennie Mgmt LLC ("BP," "we," "us") · Operating as Ask Pennie. Last update: July 8, 2026
These Terms of Use ("Terms") govern your use of Ask Pennie, a financial-education service operated by Pennie Mgmt LLC ("By Pennie," "BP," "we," "us"), part of the Pennie platform. By using Ask Pennie, you agree to these Terms.
1. Acceptance of these terms
By using this website or the Ask Pennie service, you agree to these Terms of Use and to our Privacy Policy. If you don't agree, please don't use the service.
2. What Ask Pennie is (and isn't)
Ask Pennie is a free financial-education service. Our advisors help you understand financial offers you have received, what they cost, how they compare, and how they might fit your situation and, at your request, may help broaden your search for options.
Ask Pennie is not a lender, a bank, a credit union, a broker, or a registered financial, investment, tax, or legal advisor. We do not make loans, extend credit, or issue financial products. Any financial product you choose comes from the company providing it, and the final terms of that product are set by that company, not by us.
3. Eligibility
The service is available to U.S. residents who are 18 years of age or older.
4. Educational service
The service provides education and information to support your own decision-making. Decisions are yours alone.
We do not guarantee that any offer, rate, term, savings, or outcome will be available to you. Illustrations and examples on this site are for education only your numbers will vary.
While we work to be accurate, we can't guarantee that all information discussed is complete, current, or error-free. Verify final terms with the company providing any product.
5. Acceptable use
You agree to provide accurate information, to use the service only for yourself (or someone you're legally authorized to act for), and not to misuse the service including attempting to disrupt it, misrepresent your identity, or use it for any unlawful purpose.
6. Communications
If you've consented to be contacted, we may reach you by text, phone, or email as described in your consent and our SMS Terms. You can withdraw consent at any time, reply STOP to any text, or use our Message and data rates may apply preferences page.
7. Our content
The content on this site text, design, graphics belongs to Pennie Mgmt LLC and is protected by applicable intellectual-property laws. You're welcome to use it for personal, non-commercial purposes.
8. Disclaimers
The service and this website are provided "as is" and "as available," without warranties of any kind, express or implied, including fitness for a particular purpose. Some jurisdictions don't allow certain warranty exclusions, so parts of this section may not apply to you.
9. Limitation of liability
To the maximum extent permitted by law, Pennie Mgmt LLC will not be liable for indirect, incidental, special, consequential, or punitive damages, or for decisions you make based on the educational information provided. Nothing in these terms limits liability that cannot be limited by law.
10. Governing law
These terms are governed by the laws of the State of [STATE], without regard to conflict-of-law principles. [Dispute-resolution / arbitration provisions to be determined with counsel.]
11. Changes to these terms
If we update these terms, we'll change the date above. Material changes will be communicated where appropriate. Continued use after changes means you accept the updated terms.
12. Contact
Questions about these terms: info@ask.trypennie.com.
Pennie Mgmt LLC, operating as Ask Pennie.