Effective Date: January 1, 2025
Welcome to Penny's Dream Financial LLC ("Company," "we," "our," or "us"). These Terms of Service ("Terms") govern your access to and use of our website pennysdreamfinancial.com and the financial services we provide.
By accessing or using our services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website or services.
Penny's Dream Financial LLC is a direct lender providing financial services, including but not limited to:
All lending decisions are made at our sole discretion and are subject to qualification criteria, creditworthiness, and other factors.
You must be at least 18 years of age and legally capable of entering into binding contracts to use our services. By using our website and services, you represent and warrant that you meet these eligibility requirements.
You may use our website for lawful purposes only and in accordance with these Terms. You agree not to:
If you create an account with us, you are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.
Opt-In Consent: By providing your mobile phone number and consenting to receive SMS/MMS messages, you agree to receive recurring marketing and promotional text messages from Penny's Dream Financial LLC via an automated telephone dialing system (ATDS).
Message frequency varies based on your interaction with our services; you may receive up to 4 messages per month. Standard message and data rates may apply as determined by your mobile carrier.
You may opt out of SMS/MMS messages at any time by replying STOP to any message. Once you opt out, you will no longer receive promotional text messages from us. For help or support, reply HELP or contact us at penny@pennysdreamfinancial.com.
Consent is NOT Required: Your consent to receive SMS/MMS messages is NOT a condition of purchase or use of our services. You may decline to opt in to SMS communications and still access all of our financial services.
We are not responsible for delayed, failed, or undelivered messages due to issues with mobile carriers, network availability, or technical failures. Messages are sent using an automated telephone dialing system (ATDS), and delivery may be affected by factors beyond our control.
All content on our website, including text, graphics, logos, images, and software, is the property of Penny's Dream Financial LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, or create derivative works from our content without our prior written consent.
Our website may contain links to third-party websites or services that are not owned or controlled by Penny's Dream Financial LLC. We are not responsible for the content, privacy policies, or practices of any third-party websites. You access third-party sites at your own risk.
Our website and services are provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
We do not warrant that our website will be uninterrupted, error-free, or free of viruses or other harmful components.
To the fullest extent permitted by law, Penny's Dream Financial LLC, its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising out of or related to your use of our website or services.
In no event shall our total liability exceed the amount you paid to us, if any, for the services in question.
You agree to indemnify, defend, and hold harmless Penny's Dream Financial LLC and its affiliates from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to:
These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which Penny's Dream Financial LLC operates, without regard to conflict of law principles.
Any disputes arising out of or related to these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.
We reserve the right to modify or replace these Terms at any time. Any changes will be effective immediately upon posting on our website with a revised "Effective Date." Your continued use of our services after any changes constitutes acceptance of the updated Terms.
We reserve the right to suspend or terminate your access to our website and services at any time, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Penny's Dream Financial LLC regarding your use of our website and services.
If you have any questions about these Terms of Service, please contact us:
Penny's Dream Financial LLC
Email: penny@pennysdreamfinancial.com
Website: pennysdreamfinancial.com