Last Updated: January 9, 2026
These Terms of Service ("Terms") constitute a legally binding agreement between you and Penquinzoo Ltd ("Company," "we," "us," or "our") regarding your access to and use of our mobile applications, games, calculators, tools, and website (collectively, the "Services").
We reserve the right to modify these Terms at any time. We will notify you of material changes through in-app notifications, email, or by posting on our website. Your continued use of the Services after changes become effective constitutes acceptance of the modified Terms.
You must be at least 13 years old to use our Services. If you are under 18 years old (or the age of majority in your jurisdiction), you must have permission from a parent or legal guardian to use our Services.
By using our Services, you represent and warrant that you meet these age requirements and have the legal capacity to enter into these Terms.
Some of our Services may require you to create an account. Where account creation is available:
Our Services are intended for users worldwide where legally permitted. By accessing our Services, you represent that such access is legal in your jurisdiction and that you comply with all local laws and regulations.
Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to download, install, and use our Services for your personal, non-commercial use.
IMPORTANT: Our Services are licensed, not sold. You do not acquire any ownership rights to the Services or any content within them.
You agree NOT to:
Your use of our Services must comply with all applicable terms and policies of the platform through which you access them, including but not limited to:
You agree to use our Services responsibly and in compliance with all applicable laws. You will NOT:
Consequences: Violation of these conduct rules may result in immediate suspension or termination of your access to our Services, without notice or refund.
Some of our Services may offer virtual items, currency, or premium features for purchase ("In-App Purchases" or "IAP"). By making an In-App Purchase, you acknowledge and agree that:
All prices are displayed in the currency specified in your app store and include applicable taxes. Prices are subject to change at any time without prior notice. You are responsible for all charges incurred under your account.
Payment processing is handled entirely by the platform through which you downloaded our Services (Apple App Store or Google Play Store). We do not collect, store, or have access to your payment information.
If we offer subscription-based services:
All sales are final. We do not offer refunds for In-App Purchases except as required by applicable law or as specified in the following platform policies:
For purchases made through Apple App Store:
For purchases made through Google Play Store:
IMPORTANT: Once a purchase has been consumed or digital content delivered (such as unlocking features, removing ads, or receiving virtual items), it is generally not eligible for refund. Contact the respective app store for specific refund eligibility.
We may offer free trials or promotional pricing. These offers:
IMPORTANT DISCLAIMERS - PLEASE READ CAREFULLY
Our calculator tools, including but not limited to loan calculators, investment return calculators, BMI calculators, and any other computational tools (collectively, "Calculators") are provided FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY.
The Calculators and their results do NOT constitute:
WE MAKE NO GUARANTEES REGARDING THE ACCURACY, COMPLETENESS, OR RELIABILITY OF CALCULATOR RESULTS. Calculator results:
YOU SHOULD ALWAYS CONSULT WITH QUALIFIED PROFESSIONALS before making any decisions based on calculator results, including:
YOU USE THE CALCULATORS ENTIRELY AT YOUR OWN RISK. We expressly disclaim all liability for:
BY USING OUR CALCULATORS, YOU ACKNOWLEDGE AND AGREE THAT:
All content, features, and functionality of our Services, including but not limited to text, graphics, logos, icons, images, audio clips, software code, data compilations, and the design, selection, and arrangement thereof, are owned by Penquinzoo Ltd or our licensors and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.
The following are trademarks or registered trademarks of Penquinzoo Ltd:
If our Services allow you to create, upload, or share content ("User Content"):
We respect the intellectual property rights of others. If you believe that content in our Services infringes your copyright, please contact us at support@penquinzoo.com with:
Our Services may contain links to third-party websites, services, or resources that are not owned or controlled by us, including but not limited to:
WE HAVE NO CONTROL OVER AND ASSUME NO RESPONSIBILITY FOR:
We strongly advise you to read the terms and privacy policies of any third-party services you access through our Services. Your interactions with third-party services are solely between you and that third party.
We reserve the right, at our sole discretion, to:
We are not obligated to maintain any particular features or functionality, and we will not be liable for any modifications or discontinuation of Services.
We may release updates, patches, or new versions of our Services. These updates may be automatically downloaded and installed. By using our Services, you consent to such automatic updates. Some features may require you to update to the latest version to continue using them.
While we strive to provide reliable Services, we do not guarantee that:
We may experience downtime for maintenance, updates, or due to factors beyond our control. We are not liable for any losses resulting from service interruptions.
We reserve the right to permanently discontinue any of our Services at any time. Where reasonably possible, we will provide advance notice, but we are not obligated to do so. Upon discontinuation:
You may stop using our Services at any time by:
We reserve the right to suspend or terminate your access to our Services immediately, without notice or liability, for any reason, including but not limited to:
Upon termination:
The following sections survive termination: Intellectual Property, Disclaimers, Limitation of Liability, Indemnification, Dispute Resolution, and any other provisions that by their nature should survive.
PLEASE READ THIS SECTION CAREFULLY AS IT LIMITS OUR LIABILITY TO YOU.
YOUR USE OF OUR SERVICES IS AT YOUR SOLE RISK. OUR SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE EXPRESSLY DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:
WE DO NOT WARRANT THAT:
Some jurisdictions do not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you. You may have additional rights that vary by jurisdiction.
You acknowledge that you are solely responsible for:
THIS IS A CRITICAL SECTION THAT LIMITS OUR LIABILITY. PLEASE READ CAREFULLY.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL PENQUINZOO LTD, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR:
OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATING TO THESE TERMS OR OUR SERVICES SHALL NOT EXCEED THE GREATER OF:
These limitations apply regardless of the theory of liability, including:
These limitations apply even if:
WE ARE NOT LIABLE FOR:
You agree that these limitations of liability are essential elements of the agreement between you and us, and that we would not provide the Services to you without these limitations.
Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages. In such jurisdictions, our liability is limited to the maximum extent permitted by law. Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded or limited by law.
YOU AGREE TO DEFEND, INDEMNIFY, AND HOLD HARMLESS PENQUINZOO LTD, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND AFFILIATES FROM AND AGAINST ANY AND ALL CLAIMS, DAMAGES, OBLIGATIONS, LOSSES, LIABILITIES, COSTS, AND EXPENSES (INCLUDING REASONABLE ATTORNEYS' FEES) ARISING FROM OR RELATED TO:
We reserve the right to assume exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate with our defense of such claims. You will not settle any claim that affects us without our prior written consent.
This indemnification obligation will survive the termination of these Terms and your use of our Services.
These Terms and your use of our Services shall be governed by and construed in accordance with the laws of [YOUR JURISDICTION - e.g., New Zealand, State of California, etc.], without regard to its conflict of law provisions.
Before filing any formal legal action, you agree to first contact us at support@penquinzoo.com and attempt to resolve the dispute informally. We will attempt to resolve the dispute through good faith negotiations for at least 30 days.
If informal resolution fails, you agree that any legal action or proceeding arising out of or relating to these Terms or our Services shall be brought exclusively in the courts located in [YOUR JURISDICTION], and you consent to the personal jurisdiction of such courts.
You agree that any claim or cause of action arising out of or related to our Services or these Terms must be filed within one (1) year after the claim or cause of action arose. Otherwise, such claim or cause of action is permanently barred.
To the extent permitted by applicable law, you agree to resolve disputes with us on an individual basis only. You waive any right to participate in class actions, class-wide arbitrations, representative actions, or consolidated actions.
Either party may seek injunctive relief or other equitable relief in a court of competent jurisdiction to prevent actual or threatened infringement or misappropriation of intellectual property rights.
These Terms, together with our Privacy Policy and any other legal notices published by us, constitute the entire agreement between you and us regarding our Services and supersede all prior agreements, communications, and proposals.
If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect. The invalid provision will be modified to the minimum extent necessary to make it valid and enforceable.
Our failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision. A waiver of any term or condition will not be deemed a continuing waiver of such term or condition or a waiver of any other term or condition.
You may not assign or transfer these Terms or your rights and obligations under them without our prior written consent. We may freely assign or transfer these Terms and our rights and obligations, including in connection with a merger, acquisition, sale of assets, or by operation of law.
We shall not be liable for any failure or delay in performing our obligations under these Terms due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, labor disputes, government actions, internet failures, or equipment failures.
Nothing in these Terms creates any partnership, joint venture, employment, or agency relationship between you and us. You have no authority to bind us or make commitments on our behalf.
Our Services may be subject to export control laws and regulations. You agree to comply with all applicable export and import laws and regulations, including those of the United States and your country of residence.
Section headings are for convenience only and do not affect the interpretation of these Terms. The words "include," "includes," and "including" are deemed to be followed by "without limitation."
These Terms are provided in English. Any translations are provided for convenience only. In the event of any conflict between the English version and a translated version, the English version shall prevail.
We reserve the right to modify these Terms at any time. Material changes will be communicated through:
Your continued use of our Services after such modifications constitutes acceptance of the updated Terms.
If you have any questions, concerns, or complaints regarding these Terms of Service, please contact us:
Email: support@penquinzoo.com
Company: Penquinzoo Ltd
Response Time: We aim to respond within 30 days
BY USING OUR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF SERVICE, UNDERSTAND THEM, AND AGREE TO BE BOUND BY THEM.
If you do not agree to these Terms, you must immediately cease using our Services.