Terms and Conditions

Last Updated: [Insert Date]

Welcome to PennyBeacon!

Please read these Terms and Conditions ("Terms", "Terms and Conditions") carefully before using the https://pennybeacon.com website (the "Service") operated by PennyBeacon ("us", "we", or "our").

By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of the terms, then you may not access the Service.

1. Use of the Site

You agree to use the Site only for lawful purposes and in accordance with these Terms. You are responsible for your own communications, and you may not post, share, or transmit any content that is unlawful, harmful, abusive, harassing, or otherwise objectionable.

2. Intellectual Property

All content, features, and functionality on the site, including but not limited to text, graphics, logos, and software, are the exclusive property of PennyBeacon and are protected by international copyright, trademark, and other intellectual property laws.

3. User Accounts

If you create an account with us, you must provide accurate and complete information and keep your account information up-to-date. You are responsible for safeguarding the password that you use to access the Service.

4. Newsletter and Subscriptions

By subscribing to our newsletter or any paid service, you agree to receive email communications from us. You may unsubscribe at any time. Refunds for paid subscriptions are subject to our Refund Policy.

5. Third-Party Links

Our Service may contain links to third-party websites or services that are not owned or controlled by PennyBeacon. We are not responsible for the content, policies, or practices of any third-party sites.

6. Disclaimers

All content provided on PennyBeacon is for informational purposes only. We do not guarantee the accuracy, completeness, or usefulness of any information and shall not be held liable for any reliance placed on such materials.

We are not financial advisors. Any financial content is for general informational purposes and should not be construed as financial advice.

7. Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall PennyBeacon, nor its directors, employees, or affiliates, be liable for any indirect, incidental, special, or consequential damages, including without limitation, loss of profits, data, use, or goodwill.

8. Termination

We reserve the right to suspend or terminate your access to the Service at any time, without prior notice or liability, for any reason whatsoever.

9. Governing Law

These Terms shall be governed and construed in accordance with the laws of [Your Country/State], without regard to its conflict of law provisions.

10. Changes to Terms

We reserve the right to modify or replace these Terms at any time. We will notify users of significant changes through the website or via email, where applicable.

Contact Us

If you have any questions about these Terms, please contact us at:

📧 your@email.com
📍 [Your business address, if applicable]