These terms apply to your use of pennypinchingmomma.com, operated by Nikki Arnaud as Penny Pinching Momma. Please read them together with our Privacy Policy and Affiliate Disclosure. If you do not agree with these terms, please stop using the site.
Helpful information and personal experience
I share practical ideas, personal experiences, product information, and resources for families. Content is provided for general information. It is not a substitute for individualized legal, tax, medical, financial, benefits, or other professional advice. Contact a qualified professional or the relevant official agency for guidance about your circumstances.
Offers, income examples, and third parties
Prices, availability, qualifications, promotions, fees, platform rules, and program terms can change. Confirm current details with the provider before buying, joining, applying, or relying on an offer. We do not promise that a listing, link, promotion, or external service will remain available or be error-free.
Personal earnings and sales examples describe the experience stated in that article; they do not establish typical results or guarantee income, profit, approval, eligibility, or a particular sale time. Consider your own expenses, effort, and situation.
Transactions, subscriptions, app use, applications, deliveries, returns, refunds, and disputes with third parties are governed by those providers’ terms. Penny Pinching Momma is not the seller or operator of a third-party service merely because we link to it. Affiliate compensation and advertising relationships are explained in our disclosure.
Content ownership and permitted use
Original articles, photographs, graphics, and site branding are owned by Penny Pinching Momma or used with permission, except where another owner is identified. Third-party trademarks and material remain the property of their owners. You may read the site for personal use and share links to its pages. Republishing entire articles, using our branding commercially, or presenting our work as your own requires permission unless applicable law permits the use. These terms do not remove fair-use or other statutory rights.
Responsible use
Do not use the site for unlawful conduct, attempt to gain unauthorized access, interfere with its availability, impersonate someone, or misuse personal information. If you send a message or material, send only what you are entitled to share. Contacting us does not itself authorize us to publish your private message, name, or photo as a testimonial.
Availability and responsibility
The site and its content are provided “as is” and “as available” to the extent permitted by law. We do not guarantee uninterrupted availability, complete accuracy, or suitability for a particular purpose. You remain responsible for evaluating information and deciding whether a product, service, or idea fits your needs.
To the extent permitted by applicable law, Penny Pinching Momma and its operator are not responsible for indirect, incidental, special, or consequential losses arising from use of the site or third-party services. Nothing in these terms excludes liability or rights that cannot legally be excluded, or excuses fraud or other conduct for which liability cannot be limited.
Changes and questions
We may revise the site and these terms. Updated terms apply prospectively from the date posted, subject to applicable law. If a provision cannot be enforced, the remaining provisions continue to apply to the extent allowed by law.
For questions, corrections, or privacy requests, contact Nikki through the Penny Pinching Momma Facebook page. Please identify the page or request involved and avoid sending passwords, payment details, government identification numbers, or other sensitive information through social media. Meta processes messages under its own privacy policy.