Earnings Disclosure

This policy is valid as of July 8th, 2020

This website is a collaborative work written by a group of individuals. This blog accepts forms of cash advertising, sponsorship, paid insertions or other forms of compensation.
The compensation received may influence the advertising content, topics or posts made in this site. That content, advertising space or post may not always be identified on the page itself as paid or sponsored content.

The owner(s) of this site is compensated to provide opinion on products, services, websites and various other topics. Even though the owner of this site receive(s) compensation for posts or advertisements, we always give our honest opinions, findings, beliefs, or experiences on those topics or products. The views and opinions expressed on this site are purely the content creators' own.
Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer, provider or party in question.

This site does not contain any content which might present a conflict of interest.

Disclaimer:  Terms of Service

Growing Pennies' content and the product for sale is based upon the author's opinion and is provided solely on an "as is" and "as available" basis. Uses should do their own research and confirm the information with other sources when searching for information regarding health issues and always review the information carefully with a professional health care provider before using any of the protocols presented on this website and/or in the product sold here. Neither ClickBank nor the author are engaged in rendering medical or similar professional services or advice via this website or in the product, and the information provided is not intended to replace medical advice offered by a physician or other licensed healthcare provider. Users should not construe ClickBank's sale of this product as an endorsement by ClickBank of the views expressed herein, or any warranty or guarantee of any strategy, recommendation, treatment, action, or application of advice made by the author of the product.

Growing Pennies is an online information service, subject to users compliance with the terms and conditions set forth below. Please read this document carefully before accessing or using the site. By accessing or using the site, the users agrees to be bound by the terms and conditions set forth below. If a user does not wish to be bound by these terms and conditions, the user may not access or use the site. Growing Pennies may modify this agreement at any time, and such modifications shall be effective immediately upon posting of the modified agreement on the site. The user agrees to review the agreement periodically to be aware of such modifications and of the modified agreement.

1. Copyright, Licenses and Idea Submissions

The entire contents of Growing Pennies are protected by international copyright and trademark laws. The owner of the copyrights and trademarks are Growing Pennies, its affiliates or other third party licencors. Users may not modify, copy, reproduce, republish, upload, post, transmit, or distribute, in any manner, the material on the site, including text, graphics, code and/or software. The user may print and download portions of material from the different areas of the Site solely for their own non-commercial use provided that the user agrees not to change or delete any copyright or proprietary notices from the materials. The user agrees to grant to us a non-exclusive, royalty-free, worldwide, perpetual license, with the right to sub-license, to reproduce, distribute, transmit, create derivative works of, publicly display and publicly perform any materials and other information (including, without limitation, ideas contained therein for new or improved products and services) the user submits to any public areas of the Site (such as bulletin boards, forums and newsgroups) or by e-mail to our product, by all means and in any media, now known or hereafter developed. The user also grant to us the right to use their name in connection with the submitted materials and other information as well as in connection with all advertising, marketing and promotional material related thereto. Users agree that they shall have no recourse against us for any alleged or actual infringement or misappropriation of any proprietary right in their communications to .


Publications, products, content or services referenced herein or on Growing Pennies are the exclusive trademarks or service marks of the product owner. Other product and company names mentioned in the Site may be the trademarks of their respective owners.  

2. Use of Growing Pennies

The user understands that, except for information, products or services are clearly identified as being supplied by Growing Pennies. Growing Pennies does not operate, control or endorse any information, products or services on the Internet in any way. Except for - identified information, products or services, all information, products and services offered through the Site or on the Internet generally are offered by third parties, which are not affiliated with Growing Pennies. Users also understand that Growing Pennies cannot and does not guarantee or warrant that files available for downloading through the Site will be free of infection or viruses, worms, Trojan horses or other code that manifest contaminating or destructive properties. Users are responsible for implementing sufficient procedures and checkpoints to satisfy their own particular requirements for accuracy of data input and output, and for maintaining a means external to the Site for the reconstruction of any lost data.

The user assumes total responsibility and risk for their use of Growing Pennies and the internet. Provides Growing Pennies all related information "as is" and does not make an express or implied warranties, representations or endorsements whatsoever (including without limitation warranties of title or non infringement, or the implied warranties of merchant-ability or fitness for a particular purpose) with regard to the service, any merchandise information or service provided through the service or on the internet generally, and shall not be liable for any cost or damage arising either directly or indirectly from any such transaction. It is solely the responsibility to evaluate the accuracy, completeness and usefulness of all opinions, advice, services, merchandise and other information provided through the service or on the internet generally. This product does not warrant that the service will be uninterrupted or error-free or that defects in the service will be corrected.
The user understands further that the pure nature of the internet contains unedited materials, some of which are sexually explicit or may be offensive to the user. The users access to such materials is at their own risk. Growing Pennies has no control over and accepts no responsibility whatsoever for such materials.

Limitation of Liability

In no event will Growing Pennies be liable for (1) any incidental, consequential, or indirect damages (including, but not limited to, damages for loss of profits, business interruption, loss of programs or information, and the like) arising out of the use of or inability to use our service, or any information, or transactions provided on our service, or downloaded from our service, or any delay of such information or service. even Growing Pennies or its authorized representatives have been advised of the possibility of such damages, or (2) any claim attributable to errors, omissions, or other inaccuracies in the service and/or materials or information downloaded through our service. Because some states do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to these users. In such states Growing Pennies liability is limited to the greatest extent permitted by law.
This product makes no representations whatsoever about any other website which the user may access through Growing Pennies or which may link to our Site. When users access a non product website, please understand that it is independent from our product, and that we have no control over the content on that website. In addition, a link to a product website does not mean that we endorse or accept any responsibility for the content, or the use, of such website.

3. Indemnification

The user agrees to indemnify, defend and hold harmless Growing Pennies, its officers, directors, employees, agents, licencors, suppliers and any third party information providers to the Service from and against all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from any violation of this Agreement (including negligent or wrongful conduct) by the user or any other person accessing Growing Pennies.

4. Third Party Rights

The provisions of paragraphs 2 (Use of the Service), and 3 (Indemnification) are for the benefit of Growing Pennies and its officers, directors, employees, agents, licencors, suppliers, and any third party information providers to Growing Pennies. Each of these individuals or entities shall have the right to assert and enforce those provisions directly against the user on their own behalf.

5.Term; Termination

This Agreement may be terminated by either party without notice at any time for any reason. The provisions of paragraphs 1 (Copyright, Licenses and Idea Submissions), 2 (Use of the Service), 3 (Indemnification), 4 (Third Party Rights) and 6 (Miscellaneous) shall survive any termination of this Agreement.

Any rights not expressly granted herein are reserved.


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