Terms of Service

1. Acceptance of Terms

By accessing and using PenGenie, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Description of Service

PenGenie is a financial and career planning platform. We provide browser-based tools for estimating mortgages, taxes, debt payoff, savings, retirement, paychecks, and career scenarios. We reserve the right to modify, suspend, or discontinue the service at any time.

PenGenie is an independent platform and is not affiliated with, endorsed by, or operated by any government agency, tax authority, employer, bank, or financial institution. Calculator outputs are estimates for general planning and do not replace official documentation or professional advice.

3. User Responsibilities

When using our platform:

• You are responsible for the salary, tax, savings, date, or career planning inputs you enter into our calculators.
• You agree not to use the service for illegal, harmful, abusive, or automated scraping purposes.
• You must not exceed any reasonable rate limits used to protect service stability.

4. Free Access Model

PenGenie is a 100% free, browser-based financial and career planning platform. We may enforce rate limits to protect service stability, and there are no paid checkout flows, subscription contracts, or paywalls attached to any tool usage.