Terms of Use

Please read these Terms of Use ("Terms") carefully before using the website www.scrimpandspend.com (the "Site"), operated by Ruth David, a sole trader in the United Kingdom ("I", "me", "my").

Your access to and use of the Site is conditioned upon your acceptance of and compliance with these Terms. These Terms apply to all visitors and users. By accessing or using the Site, you agree to be bound by these Terms.

1. Intellectual Property

The content on this Site, including text, graphics, and logos, is my exclusive property and is protected by copyright law. You may not copy, reproduce, or distribute any content from this Site without my prior written permission.

2. Financial Disclaimer

All content provided on this Site is for informational and educational purposes only.

I am not an FCA-authorised financial adviser. The information provided does not constitute financial, legal, or tax advice. Investing involves risk, and you are solely responsible for any decisions you make. You should always conduct your own research and consider consulting with a qualified financial professional before making any investment decisions.

3. Limitation of Liability

You agree that your use of the Site is at your own sole risk. The Site is provided on an "AS IS" and "AS AVAILABLE" basis. I am not liable for any damages of any kind arising from the use of this site.

4. Governing Law

These Terms shall be governed and construed in accordance with the laws of England and Wales.

5. Contact Us

If you have any questions about these Terms, please contact me at hello@scrimpandspend.com.