Financial Disclosures

Pennies & More (penniesandmore.com) is a financial education publication operated by Faces Off LLC. Please read these disclosures before relying on anything on this site, in our emails, downloads, webinars or coaching.

Education, not individual advice

Everything we publish, including guides, calculators, the Money Playbook, newsletters and webinars, is general information about how personal finance typically works in the United States. It does not take into account your individual circumstances and is not financial, investment, legal, tax, accounting or credit counseling advice. Talk to a qualified, licensed professional before making decisions that depend on your situation.

What we are not

We are not a bank, lender, mortgage broker, mortgage loan originator or loan servicer. We do not hold an NMLS license, take loan applications, arrange or negotiate loans, or make credit decisions. Nothing on this site is an offer of credit.
We are not a registered investment adviser or broker-dealer, and we don't recommend specific securities or investment products.
We are not a credit repair organization, debt settlement company or nonprofit credit counseling agency, and we don't contact creditors or credit bureaus on your behalf.
We are not tax preparers, accountants or attorneys.

Coaching in The More Club

Coaching sessions in The More Club are educational. Coaches help you organize your own numbers, build budgets and plans, and prepare questions for licensed professionals. Coaches do not provide investment, tax or legal advice, recommend specific financial products, or act on your behalf with lenders or creditors.

Compensation and independence

We do not currently receive payments, commissions or referral fees from lenders, banks, card issuers or other financial companies, and we don't publish sponsored content. If that ever changes, we will clearly disclose it next to the content concerned and update this page. Our income comes from our own products, such as The More Club.

Your information

We never sell your personal information or share it with lenders or marketers. See our Privacy Policy.

Examples and calculators

Numbers in examples and calculator results are illustrations based on the assumptions shown. They are not quotes, offers, predictions or guarantees. Actual rates, payments, fees and returns depend on lenders, markets, your credit and other factors. Interest rates, IRS limits and government program rules change; check the official source for current figures.

No guarantees

We work to keep our content accurate and current, but we can't guarantee it is complete or error-free. Following our content does not guarantee any result, such as a loan approval, a particular credit score, or savings.