Disclosures & Disclaimer

Hello and welcome to Pennies For Cents.   I believe in complete transparency both online and offline. To ensure I am entirely on the up and up, I have created a few disclaimers.   I wish we didn’t have to get into all this, but I want to keep the shady stuff out of our space.

Terms of Use

Use of http://www.penniesforcents.com/  “PenniesForCents” “Pennies For Cents

The reading of all information on penniesforcents.com is of course at your own free will.  If you choose not to accept these Terms and Conditions, you should stop your use of this website.  I do hope that you stay and read some genuinely delightful content though, I’ve worked hard on it.

I reserve the right to change any of these Terms and Conditions at any given time on this website.  The world is quite unpredictable these days, and we must change with it, check back here occasionally for updated information.

I do my absolute best to ensure all information we provide is correct, but in the end, I am not perfect.  I make no representations or warranties of any kind, expressed or implied, about the completeness, accuracy, reliability, suitability or availability of any information, products, services or related graphics contained on Pennies For Cents for any purpose.

Advertisers and Sponsors

I am not responsible for the actions of our advertisers or sponsors.  If you purchase a product or service based upon a link from the website, you must take action with that company to resolve any issues, not Pennies For Cents.

Any product, claim, statistic quote or other representation about a product or service should be verified with the manufacturer, provider or party in question.

Some advertising and affiliate links are run on my website.  Affiliate links earn me a small commission on any purchases made after clicking any of the links.  I will do my best to provide you with only quality products that I either use and or trust. All reviews on my website will be presented honestly we will disclose whether we will be receiving a commission, products for a free or reduced price.

Copyright Policy

Unless otherwise noted, I (Bhavna for Pennies For Cents) am the legal copyright holders of all (written multimedia and graphics) material on this website, and it may not be used, reprinted, modified or published without our specific written consent.  A link to penniesforcents.com must appear in all copies of any work or content, including but not limited to articles, and press releases.

Guest bloggers and any other contributors to Pennies For Cents are responsible for their own submitted material on our website and must ensure that their work complies with all national and relevant foreign laws. The opinions expressed by any third parties are their own and do not represent the views or beliefs of Pennies For Cents. I am not responsible for any comments left by others on our blog.

Hold Harmless

Any information provided on penniesforcents.com is for general information and entertainment purposes only and is the expressed opinion of Bhavna, (“Pennies For Cents“) and not others.

I arm not providing any medical, legal or professional advice.  I am not after all involved in any of those fields. You are taking all the information provided at your own risk.

Under no circumstances will I be liable for any loss or damage {including without limitation indirect or consequential loss or damage) or any loss or damage arising from loss of data or profits arising out of or in connection with the use of this website.

I do and will continue to try and keep penniesforcents.com running 24 hours a day 365 days a year, access to the site may be temporarily or permanently suspended and without notice at our discretion, due to possible updates or technical issues beyond our control.  I will not be liable if for any reason the website is unavailable at any time or for any period.

Privacy Statement

Any personal and contact information given to us will be kept private.  You will not be spammed in any way. I will not sell or disclose your information to any other companies.

I am not responsible for the privacy practices of any of our advertisers or blog commenters.

You can read my complete Privacy Policy here.

Reserve Rights

I, Bhavna from Pennies For Cents, reserve the right to change the focus of the blog, to shut it down, sell it, change the terms of use at our discretion.

I also reserve the rights to edit or delete any comments submitted to penniesforcents.com without notice for any reason, including but not limited to: comments deemed to be spam or questionable spam, comments including profanity. Comments containing language or concepts that could be considered offensive, comments that attack a group or person individually.

Letters to the Editor

Any messages, e-mails, blog comments, responses on any Social Media platforms, or questions written directly to us may be used to share with our blogging audience unless specifically requested otherwise.  Part or all of these letters or e-mails. Questions or any other feedback may be used in newsletters, blog posts, or columns.

Thank you for visiting Pennies For Cents!


You may contact me at bhavna@penniesforcents.com

This policy is valid from August 28th, 2018.


I, Bhavna @ penniesforcents.com, only claim posts on this site come from the thoughts in my heads. I am just an individual managing my life and sharing my stories.  I am not a banker (any longer), not an accountant or any other type of money guru.