Legal

Terms of Use

Last updated: July 2026

By using Penny & Bloom, you agree to these simple terms.

Helpful tips, not financial advice

Everything here is for education only. We are not your financial advisor, and our guides are not personal financial, legal, or tax advice. Your money is your own, so use your judgment and, for big decisions, talk to a qualified professional.

No guarantees

We share what has worked for us and for others. Everyone's situation is different, so we can't promise a specific result. Always keep paying at least the minimum on every account.

Downloads and tools

Our free downloads and tools are for your personal use. Please don't resell them or pass them off as your own.

Our content

The words, guides, and designs on this site belong to Penny & Bloom. You're welcome to share links to our pages. Please don't copy the content wholesale.

Contact

Questions? Email hello@pennyebloom.com.