The use of this website, Your Frugal Friend LLC, is governed by the following Disclaimers and Terms of Use.

Your Frugal Friend may include, by reference or implication, this website; social media accounts connected with this website; community; and other resources produced under this brand name or Sasha Hutchison. 

Your use of this website and other associated services, content, and functionality, constitutes your acceptance of this agreement and the terms herein. If you do not agree with these Disclaimers and Terms of Use, or any part thereof, you shall not, nor are you permitted to, use Your Frugal Friend.

Your Frugal Friend reserves the right to modify, alter, amend, or update its website, policies, and these Disclaimers and Terms of Use. The Terms of Use are subject to change at any time, without prior notice to you. By using this website or any of the products or services produced by the owners of this website, you are agreeing to be bound by the ten current versions of these Disclaimers and Terms of Use. 

If you have any questions regarding these Disclaimers and Terms of Use, you may contact us at

For Informational and Educational Purposes Only

This site, community, and other resources are intended for informational and educational purposes only and are not intended to be legal, tax, financial, or business advice by Your Frugal Friend LLC. This website is provided as a public service and shall not be construed as professional, financial, tax, or legal advice to you. 

This site, community, and resources are intended for audiences within and residents of the United States. We make no representation that any of the materials are available or appropriate for use in other locations, including, but not limited to, the European Union, as defined in the General Data Protection Regulations, Canada, or any other foreign jurisdiction.

Information is Not Substitute for Professional Advice

The information provided by Your Frugal Friend is not a substitute for professional advice. You should consult with the appropriate legal, tax, financial, and other professional advisers in starting or running your own business and relating to your personal finances. 

This site contains general informational and educational materials. We cannot tailor the contents to all situations in all locations. Seek appropriate professional advice that is tailored to your specific situations.

No Warranties, Guarantees, or Representations

Although we are working diligently to bring you the most accurate and up-to-date information, we make no (express or implied) warranties, guaranties, or representations that the information and content provided herein or associated with this site is accurate, complete, reliable, or free of errors in general, or as it pertains to your particular facts and circumstances. All information is provided on an “as is” and “as available” basis.

Use of Testimonials and Examples

We may use client or customer testimonials and examples from others. While such testimonials and examples are accurate and authentic, you cannot expect the same outcomes. Each company and each individual is different and your outcome may differ. Any prior stated results for clients or customers do not guarantee a similar outcome in future representation.

Use of Website

You must be 18 years or older to use this website. Any registration by, use of, or access to this website, the products, or services by anyone under the age of 18 is unauthorized, unlicensed, and is in violation of these Disclaimers and Terms of Use. By using this website, the products, and the services, you represent that you are at least 18 years old.

You may not use this website or any of the resources or materials in a way that causes, or may cause, damage to the website or impair the availability of access to the website. You may not decompile, reverse engineer, disassemble, or otherwise reduce the website, except to the extent that such activity is expressly permitted by applicable law.

You shall not use the website to copy, store, host, transmit, send, use, publish, or distribute any material that consists of or is linked to any malicious code or software, including, but not limited to, spyware, computer virus, ransomware, keystroke logger, worm, Trojan horse, rootkit.

You may not conduct any systematic or automated data collection activities, including, but not limited to, scraping, data mining, data extraction, or data harvesting on or in relation to this website or the resources and materials associated with this website without Your Frugal Friend’s express written permission.

Nor may you use the website or the resources or materials for any third-party marketing without Your Frugal Friend’s express written permission. This includes the use of any Your Frugal Friend’s social media account.

Use of Website Content

Unless stated otherwise, Your Frugal Friend owns or licenses the intellectual property and rights to all content and material on the Website. Subject to the license below, all intellectual property rights are reserved.

You may view, download, and print pages for your personal use only, subject to the restrictions set out below. The following uses are specifically prohibited and are not permitted:

  • Reproduction or duplication of any content for commercial purposes;
  • Sale, rental, or sub-license of any content of this website;
  • Redistribution, republication, or modification of any content on this website, unless specifically and expressly made available for redistribution, republication, or modification;
  • Transfer of this license to any other individual or entity.

The use of social media accounts and various plugins or widgets to allow sharing of content via social media channels, emails, or other methods, does not constitute any waiver of Your Frugal Friend’s intellectual property rights. Such intended use, and only the intended use thereof, is a limited license to republish the intended portion of the content, maintaining full credit to Your Frugal Friend.

This license shall automatically terminate if you violate any of these restrictions and may be terminated by Your Frugal Friend at any time. Upon termination of your license to use these materials, you must destroy any materials in your possession whether in electronic or printed format.

Use of User Submitted Content

Your Frugal Friend takes no responsibility and assumes no liability for any content posted by you or any third party user on this website or affiliated resources.

When you post, publish, submit, or contribute any content, of any nature, to this website, associated social media account, or on any resource or material of Your Frugal Friend, you grant us a worldwide, irrevocable, non-exclusive, and royalty free license to use, reproduce, adapt, publish, translate, and distribute such content. This license extends to all known and future media. You also grant us the right to sub-license these rights to user submitted content and the right to bring an action or claim for infringement of these rights.

Any content you contribute to this website, including, but not limited text, images, audio, video, and audio-visual material, must not be illegal or unlawful, may not infringe on any third-party’s legal rights, and must not be capable of giving rise to any legal actions against you or Your Frugal Friend. This includes, but is not limited to, any claims in copyright, trademark, defamation, privacy, or contract.

Your Frugal Friend reserves the right to edit or remove any user submitted content to this website, stored on our servers, or that is hosted or published on this website or associated services or products.


You may submit any ideas, suggestions, documents and/or proposals to Your Frugal Friend (“Feedback”) at your own risk. Your Frugal Friend has no obligations, including without limitation obligations of confidentiality, with respect to such Feedback. You agree that you have all rights necessary to submit the Feedback and hereby grant to Your Frugal Friend a fully paid, royalty-free, perpetual, irrevocable, worldwide, non-exclusive and fully sublicensable right and license to use, reproduce, perform, display, distribute, adapt, modify, re-format, create derivative works of, and otherwise commercially or non-commercially exploit in any manner, any and all Feedback, and to sublicense the foregoing rights. 

Affiliate Notice and Third-Party Links

Your Frugal Friend may link to affiliate products or services which we will receive compensation for, at no additional cost to you. Your Frugal Friend may receive a percentage or set fee when you purchase these products or services. You are under no obligation to purchase these products through Your Frugal Friend or our relationship with these companies.

We are a participant in the Amazon Services LLC Associates Program, which is an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to

These third-parties are not governed by or controlled by Your Frugal Friend. Each will have their own Terms and Conditions of Use and policies for your use of their website. Before you engage in any commercial transactions with any third-party site, including any third-party site discovered through or linked to by Your Frugal Friend, you shall complete the appropriate due diligence, investigation, and risk assessment. If there is any dispute about your use of a third-party site, product, or service, or any commercial transaction, your dispute will be directly with the third-party.

You expressly hold harmless Your Frugal Friend from any and all liability related to your use of any third-party site.

Disclaimer and Limitation of Liability

To the extent permissible by law, we disclaim any and all liability pertaining to your use, purchase, download, or consumption of any materials of or pertaining to this website. Please use this site at your own risk, after making an independent assessment of risk. 


Your Frugal Friend, LLC and Sasha Hutchison expressly disclaims all liability in respect of actions taken or not taken based on any contents of this website, social media accounts, newsletters, or other associated resources.


Membership Registration and Termination

Many of the Your Frugal Friend services require registration and membership. Your membership is not transferable or assignable and is void where prohibited.

Your Frugal Friend has the sole right and discretion to determine whether to accept a member and may reject a registration with or without an explanation. 

Upon registration, you will receive a user name and password (credentials) that will allow you to access the products and services provided by Your Frugal Friend. You agree to maintain the confidentiality of your credentials and are fully responsible for all liability and damages resulting from your failure to maintain that confidentiality. You agree that you are fully responsible for all activity that occur through the use of your credentials. You agree to immediately notify Your Frugal Friend of any unauthorized use of your credentials or any other breach of security.

By maintaining a Your Frugal Friend membership, you consent to periodic emails relating to the products, courses, and other goods or services from Your Frugal Friend. These may include transactional information, updates to the products, and other pertinent information to members of Your Frugal Friend.

Your membership is effective until terminated by you or by Your Frugal Friend. Your rights under these Disclaimers and Terms of Use will terminate without our notice if you fail to comply with any of these Disclaimers and Terms of Use. Upon termination, you must delete or destroy any information or content, including all copies, obtained from Your Frugal Friend. Certain provisions, including, but not limited to, copyrights, indemnity, disclaimers, trademarks, limitation of liability, warranty, and jurisdiction will survive the termination of this Agreement.

Refund Policy

Due to the nature of the products and services that Your Frugal Friend provides, the materials and content is easily consumed or even copied. All refunds are at the sole discretion of Your Frugal Friend. 

Right to Terminate

Your Frugal Friend may at any time decide to alter, amend, modify, or terminate the website, any functionality or portion of it, all in our sole discretion, and you understand that there is no guarantee that the website or any portion or functionality of it will continue to operate or be available for any particular period of time. 


You agree to defend, indemnify, and hold harmless Your Frugal Friend LLC, and its members, employees, officers, directors, managers, and agents from any and all losses, claims, suits, actions, liabilities, obligations, costs and expenses, including reasonable attorneys’ fees and expenses, whether represented by attorneys within those organizations or outside legal counsel, which any of the above suffers as a result of third-party claims based on:

  • Your negligence or intentional misconduct;
  • Your breach of any provision of these legal policies, including representation or warranty;
  • Materials prepared or provided by you, including, but not limited to, any claims of infringement or misappropriation of any intellectual property right (copyright, trademark, patent, trade secret), of any privacy or publicity rights, and of any defamation or libel claims; or
  • Death, personal injury, or property damage arising out of, or relating to, your obligations hereunder. 

Choice of Law and Venue

The disclaimers, terms of use, privacy policy, and general use of this website shall be governed by and construed in accordance with the laws of the State of Kansas. Any controversy or claim arising out of or relating to this website, these disclaimers, the terms of use, the privacy policy, or any other legal obligation, shall be submitted to any court of competent jurisdiction in Wichita, Kansas. 

Should any part of this agreement be held invalid or unenforceable, that portion will be construed consistent with applicable law and the remaining portions will remain in full force and effect. To the extent that any content, including any courses, goods, products, or services, are in conflict or inconsistent with this agreement, this agreement will take precedence. 

The failure to enforce any provision of these Disclaimers and Terms of Use will not be deemed a waiver of such a provision, nor of the right to enforce such a provision.

Last updated May 1, 2023