Terms of Use – Frugal Living Pro

Last Updated: May 6, 2026

Welcome to Frugal Living Pro (https://frugallivingpro.com/). This website is operated and managed by CREDITSTACKER OÜ, a company registered in Estonia (Registry code: 16467237), located at Harju maakond, Tallinn, Kristiine linnaosa, Kotkapoja tn 2a-10, 10615.

Throughout this document, “we,” “us,” and “our” refer to CREDITSTACKER OÜ operating as Frugal Living Pro. By accessing or using our website, you engage with our “Services” and agree to be bound by these Terms of Use.

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

Article I – Nature of Content and Financial Disclaimer (No Financial Advice)

1.1 Purely Informational: Frugal Living Pro is strictly an independent informational and educational portal. We provide content on personal finance, travel, and lifestyle. 1.2 No Financial Products or Affiliations: We do not issue credit, broker loans, or offer any direct financial products. We do not engage in affiliate marketing. The advertisements displayed on our site are served by third-party programmatic networks (such as Google) and do not constitute an editorial endorsement by our team. 1.3 Not Professional Advice: The content provided on Frugal Living Pro does not constitute financial, legal, tax, or investment advice. You should consult with a certified professional before making any financial decisions. We are not liable for any actions taken based on the information read on this website.

Article II – User Compliance

2.1 By using Frugal Living Pro, you acknowledge that you have read, understood, and agree to comply with these Terms of Use and our companion Privacy Policy. 2.2 You confirm that you are at least 18 years old and legally capable of entering binding agreements. Users who do not meet these requirements must discontinue using our website.

Article III – Third-Party Links and Advertisements

3.1 Our website displays programmatic advertisements and may contain links to external third-party websites. CREDITSTACKER OÜ does not operate, control, or endorse these third-party sites. 3.2 When navigating to third-party websites, users are subject to those sites’ own terms and privacy policies. We assume no responsibility for third-party content, products, or data collection practices.

Article IV – Prohibited Conduct

Users are strictly prohibited from engaging in the following actions:

  • Participating in illegal or fraudulent activities.
  • Infringing upon the intellectual property rights of CREDITSTACKER OÜ or others.
  • Attempting to bypass security systems, upload harmful code, malware, or spyware.
  • Harvesting data, spamming, phishing, or conducting deceptive schemes.
  • Disseminating defamatory, discriminatory, or harassing content.

Violation of these terms may result in immediate access restriction and legal action.

Article V – Disclaimer of Warranties and Limitation of Liability

5.1 All services and content are provided “as is,” without any warranty—express or implied—including warranties of merchantability or fitness for a specific purpose. 5.2 To the maximum extent permitted by applicable law, CREDITSTACKER OÜ is 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. Users access our site entirely at their own risk.

Article VI – Intellectual Property Rights

6.1 Content Ownership: All original materials published on Frugal Living Pro, including text, images, design, and layout, are protected by copyright and intellectual property laws and are the property of CREDITSTACKER OÜ. 6.2 Unauthorized use, reproduction, or modification of our content without prior written consent is strictly prohibited.

Article VII – Editorial Transparency and Digital Services Act (DSA) Compliance

7.1 We are committed to transparency in our content production. While we may use Artificial Intelligence (AI) as an assistive tool for research and formatting, all final content undergoes rigorous review, editing, and fact-checking by our human editorial team. 7.2 In compliance with the Digital Services Act (DSA) and equivalent international transparency standards, CREDITSTACKER OÜ acts solely as a publisher of original content. We do not host user-generated content (such as public forums). Any inquiries regarding content integrity or legal takedown requests should be directed to our designated contact point.

Article VIII – Governing Law and Jurisdiction

8.1 These Terms of Use shall be governed by and construed in accordance with the laws of the Republic of Estonia, without regard to its conflict of law provisions. 8.2 However, we acknowledge that you may access the site from the USA, the UK, or Australia. Nothing in these Terms deprives you of the mandatory consumer protection rights granted to you by the laws of your country of residence (such as the Australian Consumer Law or UK consumer rights).

Article IX – Modifications to the Terms

CREDITSTACKER OÜ reserves the right to amend, suspend, or discontinue any aspect of the website or services at any time. Updates will be posted on this page with a new revision date. Continued use of our website after updates constitutes acceptance of the revised Terms.

Article X – Contact Information

For inquiries, legal notices, or clarification regarding these Terms of Use, please contact us at:

CREDITSTACKER OÜ Email: [email protected] Address: Harju maakond, Tallinn, Kristiine linnaosa, Kotkapoja tn 2a-10, 10615, Estonia Contact Form: https://frugallivingpro.com/contact/