Effective Date: January 1, 2026
By accessing or using the Pennysdream Inc website ("Site") and services, you agree to be bound by these Terms & Conditions ("Terms"). If you do not agree to these Terms, please do not use our Site or services.
You may use this Site for lawful purposes only. You agree not to:
Pennysdream Inc provides business lending and financing services. By submitting a loan application, you represent that:
Pennysdream Inc reserves the right to approve or deny any loan application at our sole discretion.
All financing products are subject to specific terms, including interest rates, fees, and repayment schedules, which will be disclosed in your loan agreement. By accepting a loan offer, you agree to repay the amount borrowed according to the terms specified.
All content on this Site, including text, graphics, logos, images, and software, is the property of Pennysdream Inc and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.
This Site and our services are provided "as is" without warranties of any kind, either express or implied. Pennysdream Inc does not warrant that:
To the fullest extent permitted by law, Pennysdream Inc shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site or our services, even if we have been advised of the possibility of such damages.
You agree to indemnify, defend, and hold harmless Pennysdream Inc, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses arising from your use of the Site, violation of these Terms, or infringement of any third-party rights.
Pennysdream Inc offers an optional SMS messaging program for customers who wish to receive updates, offers, and information about our financial products and services.
By opting into our SMS program, you expressly consent to receive recurring marketing and promotional SMS/MMS messages from Pennysdream Inc, sent using an automated telephone dialing system (ATDS). These messages may include offers, product updates, service notifications, and other marketing communications.
Message frequency varies. You may receive up to 4 messages per month. Message and data rates may apply depending on your mobile carrier plan. Please check with your carrier for details on any applicable charges.
You can opt out of receiving SMS messages at any time by replying STOP to any message you receive from us. You will receive a confirmation message confirming your opt-out request.
For assistance with our SMS program, reply HELP to any message or contact us at corey@pennys-dream.com.
Consent is NOT a condition of purchase. You may decline to participate in the SMS program and still access all of our products and services.
Our SMS program is supported by all major U.S. mobile carriers. Message delivery is subject to carrier network availability and terms of service.
Pennysdream Inc reserves the right to modify or discontinue the SMS program at any time. We will notify you of any material changes via SMS or email.
Your use of our Site and services is subject to our Privacy Policy, which explains how we collect, use, and protect your personal information.
Our Site may contain links to third-party websites. Pennysdream Inc is not responsible for the content, privacy practices, or terms of use of any third-party sites. We encourage you to review the policies of any third-party sites you visit.
These Terms shall be governed by and construed in accordance with the laws of the State of North Carolina, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
Pennysdream Inc reserves the right to modify these Terms at any time. Any changes will be effective immediately upon posting to this page. Your continued use of the Site after any changes constitutes your acceptance of the modified Terms.
If you have any questions or concerns about these Terms & Conditions, please contact us:
Pennysdream Inc
8209 Willow Branch Drive
Waxhaw, NC 28173
Email: corey@pennys-dream.com