Terms and Conditions

Welcome to PennyPerspective. By accessing or browsing https://pennyperspective.com/, you agree to comply with and be bound by the following terms and conditions of use.

1. Intellectual Property & Permitted Use

All content published on PennyPerspective—including articles, explanatory frameworks, custom tables, text, graphics, logos, and layout structures—is the intellectual property of PennyPerspective and is protected by copyright and intellectual property laws.

You may view, download for caching purposes, and print single copies of articles for personal, non-commercial educational use. You may not republish, sell, duplicate, or redistribute full articles without prior written permission from PennyPerspective. Brief quotations with clear attribution and a live hyperlink back to the original article URL are permitted under fair use principles.

2. Disclaimer of Warranties

PennyPerspective and its materials are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied. PennyPerspective does not warrant that the website will operate without interruption, that errors will be corrected immediately, or that the content is free of technical inaccuracies or typographical errors.

3. Limitation of Liability

In no event shall PennyPerspective, its authors (including Tanisha and Shivam), or its officers be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your access to, use of, or inability to use this website, or any monetary decisions made based on published content.

4. External Hyperlinks

PennyPerspective may contain hyperlinks to external third-party websites (such as central banks, government statistical bureaus, or financial tools). We exercise no control over the content, privacy practices, or availability of external websites and assume no responsibility for third-party platforms.