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Terms of Use

Last updated: October 19, 2026

By accessing or using this website, you agree to these Terms of Use. If you do not agree, please do not use the website.

Nature of our service

Thepennygatherer provides general information and connects consumers with third-party licensed insurance agents. We do not provide insurance, financial, legal or tax advice, and we are not responsible for the products, services or advice of any third party.

Eligibility

You must be at least 18 years old and a resident of the United States to use this website.

Intellectual property

All content on this website, including text, graphics and logos, is owned by or licensed to us and may not be copied or reused without permission.

Disclaimer of warranties and limitation of liability

The website is provided "as is" without warranties of any kind. To the fullest extent permitted by law, we are not liable for any indirect, incidental or consequential damages arising from your use of the website or any third-party product.

Changes

We may update these Terms at any time. Continued use of the website after changes means you accept the updated Terms.