Penny Resume

Terms of Service

Last updated: 2026-07-11

Welcome to Penny Resume ("we," "us," or "our"). These Terms of Service ("Terms") govern your use of pennyresume.com and the Penny Resume browser extension (collectively, the "Service").

You accept these Terms by affirmatively checking the "I have read and agree to the Terms of Service" box at signup. That checkbox is tied to a timestamped record of your acceptance — it is not enough to simply browse the site or install the extension without completing that step. If you don't agree, don't check the box, and don't use the Service.

Use the Service at your own risk. It uses AI to draft content on your behalf. AI can be wrong. You are always the last check before anything reaches an employer. This idea repeats through §4, §11, and §12 below because it's the single most important thing to understand before you generate a resume.

1. What the Service does

The Service lets you generate tailored resumes as PDFs from job postings you view in your browser. You provide background information about yourself once; each time you request a resume, we use a large language model to tailor your background to the job posting text you send us, and return a PDF.

2. Your account

  • Creating an account requires you to affirmatively check the acceptance checkbox described above. We keep a timestamped record of that acceptance. Merely visiting the site or installing the extension, without completing that step, does not bind you to these Terms — and does not entitle you to use the Service.
  • You must provide a valid email address and verify it via one-time passcode or Google sign-in.
  • You are responsible for the accuracy of the background information you provide. We do not verify claims in your profile; you are responsible for the truthfulness of every resume you submit to employers.
  • You may not share your account with another person.

3. Tokens and purchases

In plain terms: tokens are like a prepaid balance. Once spent, they're spent — except if we're the ones who screwed up, or if you never spent anything with us at all.

  • The Service uses a token system. 1 token equals US$0.01. Generating a resume deducts tokens from your balance at rates published on the pricing page.
  • Tokens are non-refundable, non-returnable, and non-transferable except as required by law or in the specific circumstances described below. You can't cash them out, gift them to another account, or sell them.
  • Tokens do not expire. A token you bought a year ago is worth the same as one you bought today.
  • If a generation fails because of an error on our end (server error, model provider outage, a bug), the tokens for that attempt are automatically returned to your balance. This isn't a discretionary "refund" — it's us correcting a transaction that never actually completed. You don't need to ask for it or qualify for it; it happens automatically.
  • Discretionary refunds are considered for specific, concrete situations — duplicate charges, a Stripe billing error, or a service outage that isn't already covered by the automatic correction above. We don't offer refunds for "I don't like the resume the model wrote" — that's what the review-and-edit step in §4 is for.
  • If you're a free-tier user who paid us $0 and you believe a generation was defective through our fault (not your own edits, not your own submission decision), your remedy is a replacement generation credit or account credit, at our option. This applies regardless of, and does not reduce, any statutory remedy available to you under law, including CLRA remedies described in §13.
  • Free tokens granted on signup may be revoked in cases of suspected abuse (see §6).
  • Payments are processed by Stripe. You agree to Stripe's terms of service in addition to ours.

4. AI-generated content — read before you submit

This is the most important section for you to read. The resume is written by an AI. AI can be wrong. You are the last check before it reaches an employer. Use the Service at your own risk, and accept that AI output may contain errors — that's the deal you're making by using a tool like this one.

  • Resumes generated by the Service are written by a large language model (currently models provided by Anthropic — see §10 for more on this). Like any AI system, it can produce output that is inaccurate, imprecise, incomplete, or simply wrong: a wrong date, a misstated title, a skill you don't actually have, a number that doesn't match reality. You accept the risk that AI-generated content may be wrong, and you agree that reviewing it before use is your responsibility, not ours.
  • You are responsible for reviewing every generated resume before you submit it to an employer. Read the whole document. Don't submit blind.
  • You are responsible for verifying every factual claim in the resume — company names, job titles, employment dates, metrics, and accomplishments — against your own actual history before you send it anywhere.
  • The line we draw is fabrication versus framing, and only you can draw it for your own history:
    • Framing is describing something true about your background persuasively — for example, choosing a stronger verb, quantifying an outcome you actually achieved, or presenting hands-on exposure to a tool in clear, confident language. Framing is your call to make, and the Service is built to help you do it well.
    • Fabrication is a claim about something that didn't happen — an employer you didn't work for, a title you didn't hold, a metric you made up, a degree you don't have. The Service is not designed to fabricate, and doing so is never acceptable. It will not invent employers, titles, dates, degrees, or experience you never had; if it ever does, that's an error to report, not a feature to rely on.
    • You agree not to submit a resume containing content you know to be fabricated or materially exaggerated beyond what you can defend. The Service is a drafting tool that helps you present your real experience persuasively and clearly — it is not a substitute for your own honesty with an employer, and responsibility for where the line sits on any specific bullet is yours.
  • We do not fact-check, background-check, or verify any resume against external sources. There is no human review step between generation and the PDF you download.
  • AI models change. The specific model version or provider powering the Service may change over time (including through no action of yours), and output style, tone, or quality may vary as a result. We'll keep §10 current on which provider we use, but we don't guarantee identical output behavior across model versions.

5. No guarantees about outcomes

We do not guarantee that using the Service will get you an interview, get you past an applicant tracking system (ATS), get you a job offer, or produce any specific result in your job search. Hiring outcomes depend on the employer, the market, your qualifications, timing, and many other factors entirely outside our control and outside the Service's control. We built a tool to help you apply — not a promise of employment. You use the Service, and rely on its output, at your own risk.

6. Acceptable use and fair use policy

You agree not to:

  • Submit content that infringes the intellectual property or privacy rights of any third party.
  • Submit content that is defamatory, fraudulent, or intentionally misleading.
  • Use the Service to impersonate any person or falsify credentials, degrees, employment history, or licenses.
  • Use the Service to violate the terms of any employer, application platform, or job board.
  • Attempt to reverse-engineer, scrape, or extract our prompts, models, or systems.
  • Automate the Service beyond ordinary human use — for example, scripting bulk generation, hitting our API outside the product UI, or any use that goes beyond what a person clicking through the product by hand would do. We may rate-limit or throttle any account, and may terminate accounts that automate the Service in ways not intended by us.
  • Resell generated content or access to the Service. Resumes are for your own personal job search, not for resale as a service to others (e.g., running a side "I'll write your resume" business through our tool).
  • Use the Service for fraud — including, but not limited to, generating resumes for jobs you have no intention of actually performing, or to support applications you know to be dishonest beyond the ordinary framing described in §4.

We may apply rate limits to any account at our discretion to keep the Service available and fairly used by everyone.

7. Third-party sites and your own use of them

The browser extension reads job postings from pages you're already logged into and browsing — for example, LinkedIn, Indeed, or a company careers page. You are responsible for your own compliance with the terms of service of any third-party site you use the extension on. The extension operates only inside your own authenticated browser session, only when you click it (see the browser extension permissions section of our Privacy Policy) — we do not scrape job boards from our servers, and we do not access those sites independently of your own action and consent.

8. Content ownership

You own the background information you submit and the resume PDFs generated for you. You grant us a non-exclusive license to process, store, and transmit that content for the purpose of operating the Service — including the temporary storage described in §9. We do not train models on your data.

9. Data retention

Generated resume PDFs are automatically deleted 30 days after generation. Your profile data is retained while your account is active and for a short period thereafter for backup and legal purposes. See our Privacy Policy for full detail.

10. Third-party services and AI disclosures

  • We use third-party services to operate Penny Resume, including but not limited to Anthropic (LLM inference), Stripe (payments), Vercel (hosting), Railway (backend hosting), and email delivery providers. Your use of the Service is subject to their respective terms.
  • AI disclosure. The resume-generation feature of the Service is powered by a third-party large language model (currently provided by Anthropic). You should understand, going in, that: (a) the model's output is probabilistic — the same input can produce different output on different runs; (b) the model provider may update, retrain, or replace the underlying model at any time, which can change output behavior without advance notice to us or you; (c) we do not control, and are not responsible for, the model provider's infrastructure, uptime, or training methodology; and (d) AI models can hallucinate — meaning generate content that appears plausible but is factually incorrect — and the Service has no control over when or how this occurs. §4 explains what this means for your review obligations. This disclosure is provided for transparency and does not itself constitute a representation about any specific regulatory classification.

11. Disclaimers

Use the Service at your own risk. The Service is provided "as is" and "as available," without warranties of any kind, express or implied, including any implied warranty of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or that generated content will be accurate, complete, or suitable for any particular job application. You specifically accept the risk that AI-generated content may be wrong — see §4 for what your own review obligations are, and §5 for what we don't promise about outcomes. Nothing in this section is intended to disclaim liability for our own fraud, willful misconduct, or gross negligence, where such a disclaimer isn't permitted by law.

12. Hold harmless and indemnification

  • You waive any claim against Penny Resume arising from failing to get an interview, an offer, or any other job-search outcome, to the fullest extent permitted by law.
  • You agree to indemnify, defend, and hold harmless Penny Resume and its officers, employees, and contractors from any claim, demand, loss, or expense (including reasonable attorneys' fees) brought by a third party — including an employer, recruiter, or applicant tracking system operator — arising out of or related to: (a) content you edited, added to, or approved before submitting it, where the claim arises from your own edit or approval; (b) your failure to review a resume before submitting it as required by §4; (c) content you knew or should have known was fabricated under the §4 fabrication standard; or (d) your violation of these Terms.
  • This indemnity does not cover, and we remain responsible for, claims arising from our own fraud or willful misconduct where such a limitation is not permitted by law.
  • This section survives termination of your account or these Terms.

13. Limitation of liability

To the maximum extent permitted by law:

  • Penny Resume and its officers, employees, and contractors are not liable for any indirect, incidental, special, consequential, exemplary, or punitive damages arising out of or related to your use of the Service, even if we've been advised of the possibility of such damages.
  • Our total liability to you for any claim arising out of these Terms or the Service is capped at the greater of (a) the total amount you paid us in the twelve (12) months before the claim arose, or (b) US$100.
  • Nothing in this section limits statutory minimum damages available under the California Consumers Legal Remedies Act (Civil Code §1750 et seq.) or any comparable state consumer-protection statute, where the statute makes such a limitation void or unenforceable. If you bring a successful claim under the CLRA or a similar statute, the statutory minimum controls for that claim regardless of the general cap above; the general cap continues to apply to claims not governed by such a statute.
  • These limitations apply regardless of the legal theory the claim is based on (contract, tort, statute, or otherwise) and even if a remedy fails its essential purpose.
  • Nothing in this section limits liability where such limitation isn't permitted by law (for example, for our gross negligence, willful misconduct, or fraud, where your jurisdiction doesn't allow limiting it).

14. Termination

You may delete your account at any time from your dashboard. We may suspend or terminate accounts for violation of these Terms, including the fair use policy in §6. Upon termination, we will delete your data as described in the Privacy Policy. Unused paid token balances at termination for cause are not refundable. Sections 4, 5, 12, 13, and 17 survive termination.

15. Changes to these Terms

  • Non-material changes (for example, formatting, clarifications, or updates that don't reduce your rights or increase your obligations) may take effect immediately upon posting.
  • Material changes — anything affecting the arbitration and class-action-waiver provisions in §17, the liability limitations in §13, the indemnity in §12, or how we use your data — will be posted with a notification in your account dashboard and take effect no sooner than thirty (30) days after that notification. We'll also email you if we have a valid address on file.
  • Your continued use of the Service after a change's effective date constitutes acceptance of that change. If you don't agree to a material change, your option is to stop using the Service and, if you wish, delete your account before the change takes effect; the version of these Terms in effect at the time governs disputes arising before that date.

16. California resident privacy rights

If you're a California resident, you have rights under the California Consumer Privacy Act and the California Privacy Rights Act (CCPA/CPRA), including the right to know what personal information we collect, the right to delete it, the right to correct it, and the right to opt out of any sale or sharing of personal information (we do not sell personal information, and do not share it for cross-context behavioral advertising). We will not discriminate against you, deny you the Service, or charge you a different price for exercising any of these rights. Full detail, including how to submit a request, is in our Privacy Policy, which is incorporated into these Terms by reference.

17. Dispute resolution: binding arbitration and class action waiver

Read this section carefully — it affects how disputes between you and Penny Resume get resolved, and it limits your ability to go to court or join a class action. You can opt out — see below.

  • Agreement to arbitrate. Except for the small-claims-court option below, you and Penny Resume agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by binding, individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court, except that either party may bring an individual action in small claims court for disputes within that court's jurisdiction.
  • Class action waiver. You and Penny Resume agree that any arbitration or permitted court proceeding will be conducted only on an individual basis, not as a class, collective, consolidated, or representative action. The arbitrator has no authority to conduct any arbitration as a class or representative action.
  • If the class-action waiver above is found unenforceable as to a particular claim or dispute, that specific claim or dispute will proceed in court and will not proceed as a class arbitration; the remainder of this arbitration agreement, including individual arbitration of all other claims, remains in effect.
  • Arbitration seat. Arbitration will be seated in the California county where you reside, or, if you do not reside in California, in Contra Costa County, California. AAA Consumer Arbitration Rules govern remote-participation options where a physical seat would be unreasonably inconvenient.
  • Opting out. You can opt out of this arbitration agreement entirely. To do so, send written notice to legal@pennyresume.com within 30 days of the date you first agree to these Terms (or, if this arbitration clause is added or materially changed after you already have an account, within 30 days of the notice described in §15), stating that you decline to be bound by §17. If you opt out, this section doesn't apply to you, and both you and we retain the right to litigate any dispute in court, subject to §18's governing-law and venue terms; every other part of these Terms still applies.
  • Fees. AAA Consumer Arbitration Rules govern the allocation of arbitration fees, which are designed to keep the cost of consumer arbitration low relative to court filing costs.
  • This section survives termination of your account or these Terms.

18. Governing law

These Terms are governed by the laws of the State of California, without regard to conflict-of-laws rules. Subject to §17 (Arbitration), disputes not subject to arbitration will be resolved in the state or federal courts located in Contra Costa County, California.

19. Contact

Legal questions: legal@pennyresume.com.
General support: support@pennyresume.com.