*Effective Date: March 2025 Last Updated: 09 May 2025
Welcome to PennyCannon.com (“Site,” “we,” “us,” or “our”). These Terms of Service (“Terms”) govern your access to and use of the Site, services, content, and applications (collectively, the “Services”). By accessing or using any part of the Services you agree to be bound by these Terms. If you do not agree, do not access or use the Services.
1. Acceptance of Terms
Using the Services constitutes a binding contract between you and PennyCannon Limited, 3/86 Archers Road, Glenfield 0629, Auckland, New Zealand (“Company”). You affirm that you are at least 18 years old or the legal age of majority in your jurisdiction and that you have the legal capacity to accept these Terms on your own behalf or on behalf of any entity you represent.
2. Changes to Terms
We may revise these Terms at any time. Material changes will be announced on the Site or via email. Your continued use of the Services after changes become effective constitutes acceptance of the revised Terms.
3. Affiliate Disclosure
PennyCannon participates in affiliate marketing programs. Links to third‑party products or services may earn us commission at no additional cost to you. We do not own or control these third parties and are not responsible for their content, privacy practices, or fulfilment of orders. You should perform your own due diligence before engaging with any advertised or linked offer.
4. Content Ownership and License
4.1 Our Content
All text, graphics, logos, audio, video, software, and other material (“Site Content”) are owned by or licensed to PennyCannon and are protected by copyright, trademark, and other laws. Subject to your compliance with these Terms, we grant you a limited, non‑exclusive, non‑transferable, revocable license to access and use the Site Content for personal, non‑commercial purposes.
4.2 User‑Generated Content
If you submit comments, ideas, images, or other material (“User Content”) you grant us a worldwide, perpetual, irrevocable, royalty‑free license to use, reproduce, display, modify, publish, and distribute such content in any media for any purpose related to the Services. You warrant that you own or have the necessary rights to grant this license and that your User Content does not violate any law or third‑party right.
5. User Responsibilities
You agree to:
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Provide accurate information when prompted by the Services.
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Maintain the security of any account credentials.
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Immediately notify us of unauthorised use of your account.
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Use the Services only for lawful purposes and in accordance with these Terms.
6. Prohibited Activities
You may not:
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Scrape, copy, or republish Site Content without permission.
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Interfere with or disrupt the integrity or performance of the Services.
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Attempt to gain unauthorised access to any portion of the Site or its systems.
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Use the Services to transmit malware, unsolicited promotions, or illegal content.
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Impersonate another person or misrepresent your affiliation.
7. Third‑Party Links and Offers
The Services may contain links to third‑party websites or offers. Such links are provided for convenience only. We do not endorse or assume responsibility for any third‑party content. Transactions between you and third parties are solely between you and the third party.
8. Disclaimer of Warranties
The Services are provided “as is” and “as available” without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, non‑infringement, or course of performance. We do not warrant that the Services will be uninterrupted, error‑free, secure, or free of viruses.
9. Limitation of Liability
To the fullest extent permitted by law, PennyCannon, its directors, employees, or agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or loss of profits, revenue, goodwill, or data, arising out of or related to your use or inability to use the Services, even if we have been advised of the possibility of such damages. Our aggregate liability for any claim shall not exceed NZD 100 or the amount you paid us in the 12 months preceding the claim—whichever is greater.
10. Indemnification
You agree to defend, indemnify, and hold harmless PennyCannon and its affiliates from and against all claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to your use of the Services, your User Content, or your violation of these Terms.
11. Data Collection and Privacy
Our Privacy Policy explains how we collect, use, and share personal information, including data gathered through analytics tools, cookies, and affiliate tracking pixels. By using the Services, you consent to our data practices. You may request access to or deletion of your personal data as provided under the New Zealand Privacy Act 2020 by contacting us at supports@pennycannon.com.
12. Cookies and Tracking Technologies
We use cookies, web beacons, and similar technologies to:
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Recognise repeat visitors and personalise content.
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Track affiliate referrals and ensure accurate commission accounting.
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Analyse traffic and measure the effectiveness of campaigns. You may disable cookies in your browser, but parts of the Services may not function properly.
13. Email Communications
By subscribing to our newsletters or otherwise providing your email address you consent to receive marketing and transactional emails. You can opt out at any time via the unsubscribe link in every message. We will not sell your email address to third parties.
14. Account Suspension and Termination
We reserve the right to suspend or terminate your access to the Services at our sole discretion, with or without notice, for conduct that violates these Terms, applicable law, or is otherwise harmful to the Services or users.
15. Governing Law
These Terms are governed by and construed in accordance with the laws of New Zealand, without regard to conflict of law principles. You consent to the exclusive jurisdiction of the courts of New Zealand for any dispute arising out of or relating to these Terms or the Services.
16. Dispute Resolution
Before bringing formal legal action, you agree to first contact us at supports@pennycannon.com and attempt to resolve the dispute informally. If we cannot resolve the dispute within 30 days, either party may bring an action in the courts of New Zealand.
17. Severability
If any provision of these Terms is held to be unenforceable, the remaining provisions will remain in full force and the unenforceable provision will be modified to the minimum extent necessary to make it enforceable.
18. Entire Agreement
These Terms, together with any policies or guidelines posted on the Site, constitute the entire agreement between you and PennyCannon regarding the Services and supersede all prior agreements or understandings.
19. Contact Information
PennyCannon Limited
3/86 Archers Road
Glenfield 0629
Auckland, New Zealand
Email: supports@pennycannon.com
Thank you for using PennyCannon.com. Your commitment to responsible, informed financial and lifestyle decisions helps us continue delivering practical, value‑packed content.