Effective Date: [January, 2023]
Last Updated: [October, 2025]
Welcome to TheThriftyOwl.com (“we,” “us,” “our,” or “The Thrifty Owl”). By accessing or using this website (the “Site”), you agree to comply with and be bound by these Terms of Service (“Terms”). Please read them carefully before using the Site.
If you do not agree with these Terms, please do not use our Site.
To use this Site, you must be at least 13 years old (or the age of majority in your country). By using the Site, you represent that you meet this age requirement and are capable of entering into a legally binding agreement.
You agree to use TheThriftyOwl.com only for lawful purposes and in accordance with these Terms. You agree not to:
Violate any applicable laws or regulations
Attempt to interfere with or disrupt the Site or its servers
Use the Site to post or transmit any harmful, offensive, or misleading content
Attempt to gain unauthorized access to any portion of the Site or its data
We reserve the right to terminate or restrict your access at any time, without notice, for conduct that we believe violates these Terms or is harmful to other users or our business.
All content on TheThriftyOwl.com — including text, graphics, images, logos, and digital downloads — is the property of The Thrifty Owl or its content providers and is protected by copyright and trademark laws.
You may:
View and print pages for personal, non-commercial use
You may not:
Reproduce, distribute, modify, or republish our content without prior written permission
If you wish to use any of our content, please contact us for authorization.
If you submit comments, reviews, or any other content (“User Content”), you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, and display that content on our Site and marketing materials.
You are solely responsible for your submissions and must ensure they:
Do not infringe upon others’ rights
Contain no unlawful, defamatory, or offensive material
We reserve the right to moderate, edit, or remove content at our discretion.
TheThriftyOwl.com may include affiliate links or sponsored posts. This means we may earn a small commission when you purchase through those links — at no additional cost to you.
We strive to provide honest opinions and recommendations based on our own experiences or research. Any partnerships or sponsorships will be clearly disclosed in compliance with FTC guidelines.
All information provided on this Site is for informational and educational purposes only.
We are not licensed financial advisors, home contractors, or legal professionals. You should not rely solely on information from this Site for financial, legal, or professional decisions — always consult a qualified expert.
Our Site may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or accuracy of those external sites. Use of third-party sites is at your own risk.
The Site is provided “as is” and “as available” without warranties of any kind, either express or implied.
We make no guarantees that the Site will be uninterrupted, secure, or error-free. You assume full responsibility for your use of the Site and any linked content.
To the maximum extent permitted by law, TheThriftyOwl.com and its owners, affiliates, or contributors shall not be liable for any indirect, incidental, special, or consequential damages arising out of or related to your use of the Site.
You agree to indemnify and hold harmless TheThriftyOwl.com, its owners, employees, and affiliates from any claims, damages, or expenses (including attorney’s fees) arising out of your use of the Site or violation of these Terms.
We may update or modify these Terms at any time. Updates will be posted on this page with a revised “Last Updated” date. Continued use of the Site after such changes constitutes your acceptance of the new Terms.
These Terms are governed by and construed in accordance with the laws of the United States and the State of [New York], without regard to its conflict of law provisions.
If you have any questions or concerns about these Terms, please contact us:
The Thrifty Owl
Website: https://TheThriftyOwl.com
Email: [privacy@thethriftyowl.com]
