Terms of Service

By accessing or using the website located at forpennystocks.top (the "Site"), you ("User", "you", or "your") agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Site.

PennyScreener reserves the right to modify these Terms at any time. Changes will be effective immediately upon posting on this page. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

2.1 What This Site Is

• An educational resource about penny stock investing risks and mechanics
• A collection of free tools (screener, calculators, glossary) built with illustrative data
• An informational hub for retail investors who want to learn before they invest

2.2 What This Site Is NOT

• NOT an investment advisory service
• NOT a registered broker-dealer
• NOT a provider of real-time market data, price quotes, or trading signals
• NOT a substitute for professional financial advice from licensed advisors
• NOT a recommendation engine for buying or selling any security

3.1 Acceptable Use

You agree to use this Site only for lawful purposes and in accordance with these Terms. You agree NOT to:

• Use the Site for any commercial purpose without prior written consent
• Attempt to scrape, crawl, or extract data from the Site at scale
• Use automated scripts or bots that place excessive load on our servers
• Misrepresent your identity or affiliation when contacting us
• Use the Site in any way that violates applicable laws or regulations
• Reproduce, distribute, or commercially exploit Site content without permission

3.2 User Acknowledgment of Risk

By using this Site, you acknowledge and understand that:

1. Penny stock investing involves extreme financial risk, including potential total loss of invested capital
2. The information on this Site is not tailored to your individual financial situation, risk tolerance, or investment objectives
3. You are solely responsible for any investment decisions you make
4. PennyScreener shall not be liable for losses resulting from your reliance on Site content

This is the most important section of these Terms. Please read it carefully.

4.1 Explicit Non-Recommendation

Nothing on this Site constitutes:

• Investment advice under any securities law or regulation
• Financial advice regarding tax, retirement, estate planning, or personal finance
• Trading advice regarding when to buy, sell, hold, or avoid any security
• A solicitation to buy or sell any security or derivative instrument

4.2 No Professional Relationship

Your use of this Site does not create:

• An advisor-client relationship between you and PennyScreener
• A fiduciary duty or duty of care owed by PennyScreener to you
• An attorney-client privilege or confidential relationship

4.3 Consult Licensed Professionals

Before making any investment decision, you must consult with:

• A licensed financial advisor registered with relevant regulatory bodies (SEC, FINRA, SFC, or equivalent)
• A qualified tax professional for tax implications of any transaction
• A licensed attorney for legal questions regarding securities law