Terms and Conditions 

[last updated March 2022]

Welcome to Keepin’ It Frugal. We are delighted that you are interested in our experiences and views on frugality and financial independence and will continue to share that with you on this website.

When you read the word ‘website’, it means https://keepinitfrugal.com/ as well as our social media pages. 

When you read the words ‘we’ or ‘our’, it means the owners of this website. The words ‘you’, ‘user’ or ‘your’ means you, the visitor of this website. 

By using this website, you are agreeing to be automatically bound by these terms and conditions, the disclaimer https://keepinitfrugal.com/disclaimer/ and privacy policy https://keepinitfrugal.com/privacy-policy/ (collectively referred to as ‘terms’). Please read and understand these terms before using this website. 

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

These terms may be updated from time to time and the new provisions will apply from the date they are updated. Please refer to the ‘last updated’ date at the top of these terms to help you keep track of any changes.

No unlawful or prohibited use

As a condition of your use of this website, you warrant that you will not use this website for any purpose that is unlawful, immoral, or prohibited by these terms and conditions. 

You expressly agree not to:

  • decompile, reverse engineer, or try to copy or imitate this website or underlying content;
  • use this website in any manner which could damage, disable, overburden, or impair the website or interfere with any other party’s use and enjoyment of the website;
  • engage in any internal or external spamming, or other similar actions;
  • engage in threatening, harassing or defamatory behaviour;  
  • hack into areas of the website that are not intentionally made available to you;
  • use the website as a lead generation tool for the benefit of your own business, or to manufacture “lists” in order to help your own business, without our prior written approval;
  • promote your own products or services on this website without our prior written approval.

Copyright, trademarks and other intellectual property

Keepin’ It Frugal owns the intellectual property rights in the content of this website or has permission to use or display the material on this website. You must not copy, display, distribute, modify, translate, reformat, incorporate into advertisements and other works, promote, create derivative works, or in any way exploit or allow others to exploit any of our website content in whole or in part, unless with our prior written approval.


You may only use our website content for your own personal use and not for any commercial purpose. Sharing our content without our prior written permission is expressly prohibited. You agree not to change or delete any copyright or proprietary notice from materials downloaded from this website or any site accessible through this website.

Except as otherwise expressly granted to you in writing, we do not grant you any express or implied right or licence to our website content or our intellectual property.

Any content posted on our website by third parties is the responsibility of those third parties and may be subject to copyright. You must ask the third party for permission before using any of their content. 


If it comes to our attention that you have infringed our intellectual property rights, we will contact you and ask you to stop.

If you believe there is material on this website that infringes third party intellectual property rights, please contact us with sufficient information for us to determine who the owner of the intellectual property is. If we form the reasonable belief that there has been an infringement, we will remove the infringing content from this website.

Your content

You warrant that you hold the necessary rights and interests to use any material you submit to or ask us to publish on this website (your content), and that no part of your content infringes any third-party confidentiality, privacy or intellectual property rights, including copyright and trademark rights. 

By submitting your content to this website or asking us to publish it on the website, you irrevocably grant us a perpetual, world-wide, non-exclusive, royalty-free, sub-licensable and transferable licence and right to use your content for our business purposes, now or in the future. You indemnify us against any claims made for breach of confidentiality, privacy or intellectual property rights in respect of your content. 

You agree that there is no fee payable to you for any content you contribute to the website, and you will not receive any future royalties or remuneration. You agree that we have the right to refuse to post your content on the website, if in our opinion it will not benefit our audience, and that we have the right to edit your content before posting it on the website. 

Removing and modifying content

At our sole discretion we may delete or modify any comment or content on this website. We may remove or disable your content at any time, for any reason. We are not obligated to return any of your content to you under any circumstances. If you engage in spam, defamatory, abusive, or otherwise inappropriate behaviour, you will be permanently banned from this website and your IP address blocked.

If you believe anything on this website is offensive or incorrect, please contact us by email at imgood[at]keepinitfrugal[dot]com. We will review the content and decide whether to remove or update it. 

If you are a representative of any company, tool, product or service that we have reviewed, and you believe you have been unfairly or harshly reviewed or judged, or if any information is out of date or incorrect, please contact us through at imgood[at]keepinitfrugal[dot]com. We will review the content and decide whether to update it.


We make reasonable efforts to maintain the security of this website. However, we do not guarantee the security of this website or your content. We do not accept any liability for any computer virus or technological problems arising from your use of this website that we do not intentionally cause or that are beyond our control. You are encouraged to install and maintain up-to-date security software on your devices. 

Continuous accessibility to the website is dependent upon third party services. As a result, the website may be inaccessible from time to time. 

Limitation of liability

We will not be liable to you or any other person for the products or services provided by third parties. Your legal rights in connection with those products or services are against the service provider and not Keepin’ It Frugal.

We will not be liable to you or any other person for any damages whatsoever arising as a result of your use of this website in any way, subject to applicable law. 

Where warranties are implied by law, you acknowledge and agree that our total aggregate liability is limited at our discretion to the provision of those services again, or to a refund equal to the total amount paid by you for those services, even if that amount is zero.

This limitation of liability applies to the fullest extent permitted by law and survives any termination or expiration of this agreement or your use of this website.


You agree to indemnify and hold us harmless against any claims, damages, liabilities, costs, or expenses (including without limitation court costs, arbitration costs and legal fees on a solicitor and own client basis) related to:

  • any content you submit to this website;
  • your unauthorised use of this website, or products or services included or advertised on this website; and or
  • your breach of these terms.

Applicable law

This agreement is governed by the laws of South Australia, Australia. You agree to be subject to the jurisdiction and the courts of South Australia if there was a serious dispute between us.

Use of this website is unauthorised in any jurisdiction that does not give effect to all provisions of these terms, including without limitation this paragraph. If you are in a jurisdiction where the use of this website is unauthorised, it is your responsibility to stop using this website.

No waiver

Any time or other indulgence granted to you will not in any way amount to a waiver of any of our rights or remedies under these terms.


You agree that no joint venture, partnership, employment, or agency relationship exists between you and Keepin’ It Frugal as a result of these terms or your use of this website.


If any part of these terms is determined to be invalid or unenforceable, then the invalid or unenforceable provision will be severed, and the remainder of these terms will continue in effect.

Contact Us

If you have any questions about these Terms, please contact us at at imgood[at]keepinitfrugal[dot]com.