Terms and Conditions

1. Acceptance of Terms

By accessing or using the Pennymoor website, applications, or any related services (collectively, the "Service"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree with any part of these Terms, you should not use the Service. Your continued use of the Service constitutes ongoing acceptance of these Terms as they may be updated from time to time.

2. Description of Service

Pennymoor provides software-based portfolio analysis, risk assessment, and related informational tools intended to help users better understand their investments. The Service is provided for general informational and educational purposes only and does not constitute personalised financial, tax, or legal advice. You remain solely responsible for any investment or financial decisions you make, and we encourage you to seek independent professional advice where appropriate.

3. Eligibility and Account Registration

To access certain features of the Service, you may be required to create an account. You agree to provide accurate, current, and complete information during registration and to keep this information up to date. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You must notify us promptly if you become aware of any unauthorised use of your account.

4. Acceptable Use

You agree to use the Service only for lawful purposes and in accordance with these Terms. You must not:

• Attempt to gain unauthorised access to any part of the Service, related systems, or networks.
• Use the Service to transmit any harmful, unlawful, or fraudulent content.
• Copy, reverse-engineer, modify, or create derivative works based on the Service without prior written consent.
• Use automated means to scrape, extract, or republish data from the Service without authorisation.
• Interfere with or disrupt the integrity or performance of the Service.

5. Subscriptions and Payment

Certain features of the Service may require payment of fees. Where applicable, pricing, billing cycles, and payment terms will be presented to you at the point of purchase. Fees are generally non-refundable except where required by applicable law or expressly stated otherwise. We reserve the right to change our pricing on a prospective basis, with reasonable notice provided to existing subscribers.

6. Intellectual Property

All content, software, design elements, trademarks, and other materials associated with the Service are owned by or licensed to Pennymoor and are protected by applicable intellectual property laws. Except as expressly permitted by these Terms, you may not reproduce, distribute, or create derivative works from any part of the Service without our prior written permission.

7. No Financial Advice

Pennymoor is an analytical tool provider and does not act as a financial adviser, broker, or custodian. Nothing within the Service should be interpreted as a recommendation to buy, sell, or hold any particular investment. The value of investments can fall as well as rise, and you may get back less than you invest. Past performance and back-tested results are not a reliable indicator of future returns. You should consider seeking independent financial advice before making investment decisions.

8. Disclaimers

The Service is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or free of harmful components, nor that any data, analysis, or output will be accurate or complete.

9. Limitation of Liability

To the fullest extent permitted by applicable law, Pennymoor and its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or goodwill arising from or related to your use of, or inability to use, the Service, even if advised of the possibility of such damages. Our total aggregate liability arising from or related to these Terms shall not exceed the amount you paid to us for the Service in the twelve months preceding the claim, where applicable.

10. Indemnification

You agree to indemnify and hold harmless Pennymoor and its affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with your use of the Service or your violation of these Terms.

11. Termination

We may suspend or terminate your access to the Service at our discretion, with or without notice, if we believe you have violated these Terms or engaged in conduct that may harm the Service, other users, or third parties. You may discontinue use of the Service and close your account at any time. Provisions of these Terms that by their nature should survive termination will continue to apply.

12. Changes to the Service and Terms

We may modify, suspend, or discontinue the Service, in whole or in part, at any time. We may also revise these Terms from time to time by posting an updated version. Material changes will be indicated by updating the "last updated" notice above. Your continued use of the Service after any changes take effect constitutes acceptance of the revised Terms.

13. Third-Party Links and Services

The Service may contain links to third-party websites or integrate with third-party services that are not owned or controlled by Pennymoor. We are not responsible for the content, policies, or practices of any third-party services, and your use of such services is subject to their respective terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Pennymoor operates, without regard to conflict of law principles. Any disputes arising from these Terms or your use of the Service shall be subject to the exclusive jurisdiction of the competent courts in that jurisdiction, unless otherwise required by applicable consumer protection law.

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

16. Contact

If you have any questions about these Terms, please get in touch via the contact details provided on our Contact page.