Professional Disclaimer

The information provided on this site is based on my own personal experience and is not to be construed as professional advice. I am not a licensed financial advisor, certified public accountant or investment adviser. The contents of this site and the resources provided are for informational and entertainment purposes only and do not constitute medical, psychological, educational, financial or legal advice. The author is not liable for any losses or damages related to actions or failure to act related to the content on this website.


I present case studies and testimonials about other people’s experiences with my website, products, and services for purposes of example only. the testimonials, examples, and photos used are of actual clients and customers.

Testimonials and/or case studies are not intended to represent or guarantee that current or future customers, students, or clients will achieve the same or similar results; rather, they represent what is possible for illustrative purposes only.

Results Disclaimer

Any presentation of testimonials and case studies about other’s experience with my website, products and services are from actual customers and clients and are shown as examples of what is possible for informational purposes only.

There are several factors that determine a client / customer / student’s success such as hard work and time, as such i can in no way guarantee that current or future customers / clients / students will achieve the same or similar results as previous clients/customers/students, again the examples, case studies, and testimonials, are simply illustrative of what is possible.

The use of my information, products, and/or services should be based on your own due diligence and you agree that Frugalwoods and/or advertisers or sponsors of are not liable for any success or failure of your business.


The materials on are provided ‘as is.’ Frugalwoods makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Frugalwoods does not warrant or make any representations concerning the accuracy, reliability, or likely results of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site.


In no event shall Frugalwoods or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on, even if Frugalwoods has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

Links has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Frugalwoods of the site. Use of any such linked website is at the user’s own risk.

Limitation of Liability

You agree that under no circumstances shall we be liable for direct, indirect, incidental, consequential, special, punitive, exemplary, or any other damages arising out of your use of the site or service. Additionally, is not liable for damages in connection with:

(i) any failure of performance, error, omission, denial of service, attack, interruption, deletion, defect, delay in operation or transmission, computer virus, or line or system failure;

(ii) loss of revenue, anticipated profits, business, savings, goodwill or data; and

(iii) third party theft of, destruction of, unauthorized access to, alteration of, or use of your information or property, regardless of our negligence, gross negligence, failure of an essential purpose and whether such liability arises in negligence, contract, tort, or any other theory of legal liability.

The foregoing applies even if has been advised of the possibility of or could have foreseen the damages. In those states that do not allow the exclusion or limitation of liability for the damages, our liability is limited to the fullest possible extent permitted by law. In no event shall Frugalwoods cumulative liability to you exceed the total purchase price of the service or product you have purchased from, and if no purchase has been made by you cumulative liability to you shall not exceed $100.


You shall indemnify and hold us harmless from and against any and all losses, damages, settlements, liabilities, costs, charges, assessments, and expenses, as well as third-party claims and causes of action, including, without limitation, attorney’s fees, arising out of any breach by you of any of these Terms and Conditions, or any use by you of the Site, Product, or Service. You shall provide us with such assistance, without charge, as we may request in connection with any such defense, including, without limitation, providing us with such information, documents, records, and reasonable access to you, as we deem necessary. You shall not settle any third party claim or waive any defense without our prior written consent.

Affiliate Disclaimer contains affiliate links. Meaning receives commissions for purchases made through those links, at no cost to you. Please understand that we have experience with all of these companies and recommend them because they are helpful and useful, not because of the small commissions we make if you decide to buy something. 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 (at no extra cost to you) by advertising and linking to partners with for coverage of credit card products. Frugalwoods and CardRatings may receive a commission from card issuers at no extra cost to you. CardRatings Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. CardRatings User Generated Content Disclosure: Reader comments and responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

Copyright Policy

Unless otherwise noted, Frugalwoods is the legal copyright holder of all material on this website and it may not be used, reprinted, (partially) modified or published without Frugalwoods’ written consent. A link to must appear in all copies of any content, including articles, quotes, photos, and videos. A tag to @frugalwoods must be included in all social media posts sharing articles, quotes, photos or videos.


Frugalwoods does not collect personal information about our visitors except for standard traffic logs automatically generated by our web server and Google Analytics. If you choose to leave a comment or sign-up for our email list, we will have your email address. Frugalwoods will not sell or voluntarily disclose your email address or personal information to any third party.