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Providing
money saving tips for the frugal consumer.
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Always
Frugal
Privacy
Policy
This
site does not set any web beacons or cookies. The author of
this web site does not collect any personally identifiable
information such as name, address, phone number, etc. from
visitors to this site (unless of course you send me an email
with unsolicited information about yourself in it.)
The hosting
company for this site may capture some standard statistical
information in their log files such as IP address, term (if
the referring site was a search engine), type of browser,
length of visit, pages accessed and related data of that nature.
Third
party advertisers on this site, such as Google's Adsense program,
may utilize cookies and/or web beacons. You may read more
about Google's privacy policy here.
If you would like to turn off the ability of sites you visit
to set cookies on you computer, you can do so by changing
your security options in your browser. Alternatively cookie
options may often also be reset in your security program,
such as Norton or McAfee, if you use a special program for
security purposes. However, if you restrict the use of cookies
for privacy reasons, so may impact your ability to interact
with sites that utilize cookies.
Advertising
cookies set by Google can be used by Google to track your
visits on other web sites, gauge your interest and allow Google
to deliver you ads based on your personal interests. You can
read more about and opt out, if you choose to do so, from
Google's interest based advertising here.
Google
may associate your browser with relevant interest categories
based on sites you have previously visited and may use these
categories to show personalised ads. For example, if you frequently
visit finance websites, Google may show you more finance related
ads than someone who spends more time on travel web sites.
You
may read more about Google's privacy policy here.
Disclaimer
and Terms of Use
1.
In publishing this Web site, the owner, Always Frugal, makes
no representations concerning the efficacy, appropriateness
or suitability of any products or services for reader use.
Use this site at your own risk. Articles in this site have
not been written by accountants nor financial planners, and
the article author(s) have no formal financial background.
2.
In view of the possibility of human error, neither the owner
nor any other party involved in providing this Web site, warrant
that the information contained therein is in every respect
accurate or complete and they are not responsible nor liable
for any errors or omissions that may be found in this Web
site or for the results obtained from the use of such information.
The entire risk as to use of this Web site is assumed by the
user.
3.
You are encouraged to consult other sources and confirm the
information contained within or linked to from this Web site.
4.
The information you access through this web site is provided
"as is". No warranty, expressed or implied, is given as to
the accuracy, completeness or timeliness of any information
herein, or for obtaining legal advice. To the fullest extent
permissible pursuant to applicable law, neither the owner
nor any other parties who have been involved in the creation,
preparation, posting, or delivering of this web site assume
responsibility for the completeness, accuracy, timeliness,
errors or omissions of said information and assume no liability
for any direct, incidental, consequential, indirect, or punitive
damages as well as any circumstance for any complication,
injuries, side effects or other medical accidents to person
or property arising from or in connection with the use or
reliance upon any information contained herein or pages linked
therefrom.
5.
The owner and other parties involved in the creation of this
Web site assume no responsibility or liability for any damages,
or viruses, worms, Trojan horses or other code that manifest
contaminating or destructive properties that may infect your
computer equipment or other property on account of your access
to, use of, or browsing the web site, or your downloading
of any materials, data, text, images, video, or audio from
the web site.
6.
The owner is not responsible for the contents of any linked
site or any link contained in a linked site, or any changes
or update to such sites. The inclusion of any link does not
imply endorsement by the owner of this site.
The
owner of this site makes no representations or claims as to
the quality, content and accuracy of the information, services,
products, messages which may be provided by such resources,
and specifically disclaims any warranties, including but not
limited to implied or express warranties of merchantability
or fitness for any particular usage, application or purpose.
7.
The information provided by this Web site is general in nature
and is intended for educational and informational purposes
only. It is not intended to replace or substitute the advice
and services of an accountant or other financial professional.
8.
By using this Web site, you signify your assent to these terms
and conditions of use. If you do not agree to these terms
and conditions of use, do not use this web site. If any provision
of these terms and conditions of use shall be determined to
be unlawful, void or for any reason unenforceable, then that
provision shall be deemed severable from this agreement and
shall not affect the validity and enforceability or any remaining
provisions.
9.
The information, services, products, messages and other materials
on this Web site, individually and collectively, are provided
with the understanding that The owner of this site is not
engaged in rendering financial advice or recommendations.
10.
The information contained in this web site is subject to change
without notice. The materials published on this web site are
provided as-is without warranty of any kind and may include
inaccuracies and/or typographical errors. the owner of this
site makes no representations about the suitability of this
information for any purpose. The owner of this site disclaims
all warranties with regard to this information, including
all implied warranties, and in no event shall this site owner
be held liable, resulting from, or in any way related to,
the use of this information.
11.
The individual documents provided on this Web Site are copyrighted
by the owner of alwaysfrugal.com and may be printed for personal
use only provided that they remain wholly unedited and unmodified.
Permission to otherwise reprint, copy, download, save, electronically
reproduce, or utilize any document on this Web site, in part
or in whole, is expressly prohibited. The unauthorized alteration
of the content of this Web site is expressly prohibited. The
site owner and their agents and representatives shall not
be responsible for any claims, actions, or damages which may
arise on account of the unauthorized alteration of this Web
site. For copyright information on any documents linked Web
sites, consult the copyright instructions for those Web sites.
13.
The pictures and graphics contained within this Web site were
obtained from a variety of sources. Copyrights for the pictures
and graphics are owned by, or used under license from either:
The Learning Company's ClickArt ClickEdit product, copyright
1998 The Learning Company, Inc. and its subsidiaries, 88 Rowland
Way, Novato, CA 94945 USA. or Macmillan Digital Publishing,
201 W. 103rd Street, Indianapolis, Indiana, 46290 USA or IMSI's
MasterClips/MasterPhotos Collection, 1895 Francisco Blvd.
East, San Rafael, CA 94901-5506, USA. All rights reserved.
The pictures and graphics included in this Web site may not
be saved or downloaded and are only to be used for viewing
purposes. Some images copyright 2008 Jupiterimages and used
uner license.
14.
By using this Web site, you are agreeing to the conditions,
terms and stipulations of the paragraphs above and this paragraph.
As above, these terms are subject to change at any point in
time. As such, please check them frequently, since they govern
your use of this website. Your permission and use of this
website and these terms will be governed by the internal laws
of the State of California. Any dispute or claim in connection
with this website or your use of it will be brought in the
State or federal courts of San Francisco, California. You
agree to jurisdiction and venue in such courts.
15.
Arbitration - By using this Web site you agree that in the
event of any controversy or dispute arising with respect to
your use of this site shall be settled in accordance with
the prevailing rules of the American Arbitration Association
("AAA") and such arbitration shall be determined by the San
Francisco Division of the AAA.
16.
Most images © 2008 Jupiterimages Corporation and used under
license agreement.
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