Terms and Conditions

Penny Wise | Last Updated: April 16, 2026

Agreement to Terms

By visiting our website or purchasing any product or service, you agree to these Terms and Conditions. If you do not agree, please do not use our site.

Who We Are

Penny Wise is a financial literacy company that helps parents teach money skills to their kids. We offer online courses, digital downloads, coaching, and physical products.

Our Products and Services

Online Courses

When you purchase a course, you receive a personal, non-transferable license to access the content for your own use. You may not share login credentials, redistribute course materials, or resell any content.

Digital Downloads

All worksheets, guides, and downloadable materials are for personal use only. You may not reproduce, distribute, or sell them without written permission from Penny Wise.

Coaching and Consulting

Coaching sessions are scheduled individually. Availability is not guaranteed. Details specific to your coaching package (session length, number of sessions, delivery method) will be confirmed at time of purchase.

Physical Products

Physical products are shipped to US addresses only. Shipping timelines will be communicated at checkout. Penny Wise is not responsible for delays caused by carriers once a package has been handed off for delivery.

Pricing and Payment

All prices are listed in US dollars. We reserve the right to change pricing at any time. Prices in effect at the time of your purchase will apply to that transaction.

Payment is processed securely through a third-party payment processor. By completing a purchase, you authorize us to charge your payment method for the total amount shown at checkout.

Refund Policy

Courses offer refunds within 7 days of purchase

No refunds on downloadable digital products

FOr other products, refunds will be granted case-by-case at Penny Wise's discretion

Educational Disclaimer

Penny Wise provides financial literacy education for informational purposes only. Our content is not financial, legal, or tax advice. We are educators, not licensed financial advisors. Always consult a qualified professional before making financial decisions.

Intellectual Property

All content on this site, including course materials, downloads, graphics, copy, and branding, is owned by Penny Wise and protected by copyright law. You may not copy, reproduce, or use our content without written permission.

User Conduct

By using our site, you agree not to:

- Share or resell purchased content

- Use our materials to create competing products

- Misrepresent your affiliation with Penny Wise

- Engage in any unlawful activity through our platform

Limitation of Liability

To the fullest extent permitted by law, Penny Wise is not liable for any indirect, incidental, or consequential damages arising from your use of our products, services, or website. Our total liability to you will not exceed the amount you paid for the product or service in question.

No Guarantees

We believe in our content, but we cannot guarantee specific results. Financial outcomes depend on many factors outside our control. Any testimonials or examples on our site represent individual experiences and are not promises of similar results.

Third-Party Links

Our site may link to external websites. We are not responsible for the content, privacy practices, or accuracy of any third-party sites.

Changes to These Terms

We may update these Terms at any time. The updated version will be posted on this page with a new "Last Updated" date. Continued use of our site after changes are posted means you accept the updated Terms.

Governing Law

These Terms are governed by the laws of the State of Pennsylvania, United States, without regard to conflict of law principles.

Contact Us

Questions about these Terms? Reach us at:

Penny Wise | [email protected]

© 2026 Penny Wise ALL RIGHTS RESERVED.