Terms of Use – Frugal Living Pro

Updated on October 4, 2025

Frugal Living Pro operates the financial content portal https://frugallivingpro.com/, offering financial insights, comparison tools, and educational resources.
Our platform is managed by the Frugal Living Pro team as an independent information hub for users who agree to follow our terms, conditions, and policies.

Throughout this document, “we,” “us,” and “our” refer to Frugal Living Pro. By accessing or using our website, you engage with our “Services” under these Terms of Use.

Frugal Living Pro provides general informational content on financial products and services, including credit cards, loans, budgeting, and money management, for audiences in Australia, the United States, and other regions.

Your privacy is governed by our Privacy Policy, which operates alongside this document and complies with applicable data protection regulations in both countries.

PLEASE READ THESE TERMS CAREFULLY. IF YOU DO NOT ACCEPT THEM, YOU SHOULD NOT USE OUR SERVICES.

Article I – User Compliance

1.1 By using Frugal Living Pro, you acknowledge that you have read, understood, and agree to comply with these Terms of Use and our Privacy Policy.
1.2 You confirm that you are at least 18 years old and legally capable of entering binding agreements.
1.3 Users who do not meet these requirements or disagree with any terms must discontinue using our website and services.

Article II – Correspondence

2.1 Frugal Living Pro provides dedicated channels for communication, enabling users to submit inquiries, resolve issues, or share feedback about our content and services.
2.2 For any request, please contact us through our form at https://frugallivingpro.com/contact/.

Article III – Responsibilities of Parties

3.1 Users must read and accept both the Terms of Use and the Privacy Policy before engaging with our content.
3.2 Our website may include external links to third-party offers, products, or services. Frugal Living Pro does not operate or control these third-party sites.
3.3 When navigating to third-party websites, users are subject to those sites’ own terms and privacy policies.
3.4 Frugal Living Pro assumes no responsibility for third-party content, products, or policies.
3.5 Users are responsible for ensuring their devices are protected from malware or viruses; Frugal Living Pro is not liable for internet-borne infections or technical damage.
3.6 We are not responsible for losses or damages arising from misuse, technical issues, or circumstances beyond our control.
3.7 Frugal Living Pro does not request payment, deposits, or fees for listing or featuring financial products.
3.8 We urge users to verify the authenticity of any communication claiming association with Frugal Living Pro and to report suspicious emails through our contact form.

Article IV – Prohibited Conduct

Users are strictly prohibited from engaging in the following actions:

  • Participating in illegal or fraudulent activities;
  • Violating local, state, or federal laws in Australia, the U.S., or any applicable jurisdiction;
  • Infringing upon the intellectual property rights of others;
  • Disseminating defamatory, discriminatory, or harassing content;
  • Publishing false or misleading information;
  • Uploading harmful code, malware, or spyware;
  • Harvesting or misusing personal data;
  • Spamming, phishing, or conducting deceptive schemes;
  • Posting obscene, explicit, or hateful material;
  • Attempting to bypass security systems or access restricted areas.

Violation of these terms may result in access suspension, account termination, and legal action as permitted under Australian Consumer Law and U.S. Federal or State Regulations.

Article V – Disclaimer of Warranties and Limitation of Liability

While Frugal Living Pro strives to maintain accurate and reliable information, we do not guarantee uninterrupted or error-free operation.
All services and content are provided “as is,” without any warranty—express or implied—including warranties of merchantability, fitness for a specific purpose, or legal compliance.

To the maximum extent permitted by law under the U.S. Federal Trade Commission Act, Australian Consumer Law (ACL), and other applicable statutes:

  • We are not liable for direct, indirect, incidental, punitive, or consequential damages.
  • This includes loss of profits, data, savings, or other economic harm resulting from the use or inability to use our website or services.

Users access our site at their own risk. Frugal Living Pro and its partners are not responsible for decisions made based on the content provided.

Article VI – Term and Limitation Period

These Terms remain in effect indefinitely unless terminated or amended by Frugal Living Pro.
Any legal claim related to the use of our website or privacy practices must be initiated within 90 days of the event giving rise to the claim.

Article VII – Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with:

  • Australian Law, particularly the Privacy Act 1988 (Cth) and Australian Consumer Law (ACL); and
  • United States Federal Law, including CCPA/CPRA and Federal Trade Commission (FTC) standards for online practices.

Where conflicts arise, applicable law will depend on the user’s jurisdiction.
Users located outside these regions agree that disputes will be handled under the laws of either Australia or the United States, as applicable.

Article VIII – Intellectual Property Rights

8.1 Content Ownership
All materials published on Frugal Living Pro, including text, images, design, and layout, are protected by copyright and intellectual property laws.
Unauthorized use, reproduction, or modification of our content without prior written consent is strictly prohibited.

8.2 Third-Party Content
We may include third-party information, such as comments, partner listings, or affiliate materials. Frugal Living Pro does not endorse or take responsibility for the accuracy or reliability of third-party contributions.

8.3 Content Enforcement
We reserve the right to remove content or restrict access to users who violate intellectual property rights or these Terms. Repeated infringement may lead to account suspension.

Article IX – Modifications to the Terms

Frugal Living Pro reserves the right to amend, suspend, or discontinue any aspect of the website or services at any time, without notice.
We are not liable for changes, interruptions, or the termination of any service.

Continued use of our website after updates constitutes acceptance of the revised Terms.

Article X – Contact Information

For inquiries, complaints, or clarification regarding these Terms of Use, please contact us through our official form at: https://frugallivingpro.com/contact/