[last updated May 2022]

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If you don’t agree to these terms, your remedy is to stop using this website.

Blog disclaimer

Keepin’ It Frugal is a personal blog. Any views or opinions represented in this blog are personal and belong solely to the blog owners and do not represent those of people, institutions or organisations that the owner may or may not be associated with in professional or personal capacity, unless explicitly stated. Any views or opinions are not intended to malign any religion, ethnic group, club, organisation, company, or individual.

Financial advice disclaimer

Keepin’ It Frugal are not financial advisors and do not hold an Australian Financial Services Licence (AFSL). This website provides factual, balanced information based without judgement or bias and does not provide any general or personal financial advice about what you should do with your investments. 

How we spend our money (or use a particular service or platform) does not mean it suits or is appropriate for your personal circumstances. We do not recommend nor endorse any financial or investment product, and our usage or opinion of any product should not be interpreted as an endorsement, advertisement or intent to influence. 

We can only provide factual information based on our journey to financial independence, and that is provided for general informational and entertainment purposes only. Nothing we say on this website is intended to influence your decisions about any financial product. To be clear, we are NOT providing you with any financial advice. 

Please do not ask us for any financial advice. We are not qualified nor licensed to provide you with that advice.

If you would like to obtain personal financial advice about which investment options or platforms may be right for you, please talk to a licensed financial adviser or visit the ASIC financial advisor register in your area. 

We strongly encourage you to do your own research, consider your own personal circumstances, and talk to a qualified, financial adviser before making any financial or investment decisions. To find a licensed financial advisor in Australia, you can visit:

If we say anything on this website that may be interpreted as our opinion about or recommendation of a financial product, please understand that is not the intention. Please do not take that as our advice or rely on it without seeking professional advice.

Similarly, when we talk about our own personal experiences, it is for entertainment and general informational purposes only – is not intended and should not be relied upon as advice.

General disclaimer

All content provided on this blog is for informational and entertainment purposes only. 

While we make every effort to keep content relevant, up to date and accurate, it can be difficult to do so due to the rapidly changing nature of the topics we discuss on this website. As such, we make no representations about the accuracy, reliability, timeliness, suitability, availability, and completeness of any information on this site or found by following any link on this site for any purpose, to the maximum extent permitted by applicable law. 

We will not be liable for any errors or omissions in this information nor for the availability of this information. We will not be liable for any losses, injuries, or damages from the display or use of this information. Anything contained on this website is provided “as is” without warranty or condition of any kind. You acknowledge and agree that you use this website at your own risk. 

When we talk about products or services we have used on this website, we make no guarantees or recommendations that you will experience the same performance when using them.

Any information available on or via this website may include inaccuracies or typographical errors. Changes are periodically made to this website.

External links disclaimer

Affiliate links

Keepin’ It Frugal is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.These affiliate links do not cost you anything extra and are often attached to a significant discount voucher, code or bonus sign up offer. This money is paid by the affiliated service out of their marketing budget.

Please be aware that we are not the supplier of any products or services advertised on this website and are not responsible for any purchase you make through the affiliate links. You should carefully consider a product or service before making a purchase. If you have any problem with the products or services you have purchased, you need to contact the actual supplier to resolve the problem.

Providing links to these websites does not imply our recommendation for all the content found on these sites. Site owners and content may also change without notice and may occur before we have the opportunity to remove a link which may have gone ‘bad’.

Other third-party links 

This website also contains links to other third-party websites (linked sites). Please be aware that these linked sites are not under our control, and we are not responsible for the content of a linked site. We are also not responsible for any form of transmission you receive from any linked site. We strongly encourage you to read the terms and conditions and privacy policies of any third-party sites that you visit.


Unless stated otherwise, all photos remain the property of the Keepin’ It Frugal. For permission to use any photos from this site, or to request high resolution copies, please contact us at imgood[at]keepinitfrugal[dot]com.


Unless stated otherwise, all recipes are the work of the Keepin’ It Frugal. Please credit all recipes to the Keepin’ It Frugal and link back to the original blog post.

Downloadable files

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Comments are welcome. However, we reserve the right to edit or delete any comments submitted to this blog without notice due to:

  • Comments deemed to be spam or questionable spam;
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  • Comments including profanity;
  • Comments containing language or concepts that could be deemed offensive;
  • Comments containing hate speech, credible threats, or direct attacks on an individual or group.

We are not responsible for the content in comments.

This policy is subject to change at anytime.