Disclaimer
Please read the following disclaimer carefully before using this website.
This disclaimer governs your use of TheFrugalPharmacist.com. By using this website, you accept this disclaimer in full. If you disagree with any part of this disclaimer, do not use TheFrugalPharmacist.com or any affiliated websites, properties, or companies. We reserve the right to modify these terms at any time. You should therefore check back periodically for changes. By using this website after we post any changes, you agree to accept those changes, whether or not you have reviewed them.
All information and resources found on TheFrugalPharmacist.com are based on the opinions of the author unless otherwise noted. All information is intended to motivate readers to make their informed health decisions after consulting with their health care provider.
The author of this site encourages you to consult a doctor before making any health changes, especially any changes related to a specific diagnosis or condition. No information on this site should be relied upon to determine diet, make a medical diagnosis, or determine treatment for a medical condition. The information on this website is not intended to replace a one-on-one relationship with a qualified health care professional and is not intended as medical advice.
NO information on this site should be used to diagnose, treat, prevent or cure any disease or condition.
Full Disclaimer
By reading this website, you acknowledge that you are responsible for your own health decisions. Do not take anything from any website, including this one, and try it without proper research and medical supervision.
Any statements or claims about the possible health benefits conferred by any foods or supplements have not been evaluated by the Food & Drug Administration (FDA) and are not intended to diagnose, treat, prevent or cure any disease.
TheFrugalPharmacist.com reserves the right to remove, edit, move or close any content item for any reason, including, but not limited to, comments that are in violation of the laws and regulations formed pursuant to the Federal Food, Drug and Cosmetic Act.
None of the posts and articles on TheFrugalPharmacist.com may be re-printed without express written permission of the author. TheFrugalPharmacist will respond to written requests to re-print parts of posts and excerpts/quotes (10% or less) may be reprinted with attribution as long as all links are left intact.
FTC Disclosure
The FTC requires bloggers to disclose whenever there is a financial interest or bias related to a recommendation or whenever a blogger’s opinion may be financially motivated in any way. More importantly, I have a desire to always be transparent and honest with readers and to disclose how I make money from this website.
Affiliate Links
The FTC also requires disclosure about any affiliate links. I specifically note in the side bar of a post when affiliate links are present, but for disclosure purposes, assume that any link you click on is an affiliate link. This means that I will earn a small commission from Amazon or other company if you decide to purchase the product linked to.
Many of the links on TheFrugalPharmacist are purely for informational purposes, but I do earn a small commission on many such links including links to books, products and services so please assume for any given link, I may earn a commission of some kind if you purchase a product.
Affiliate Disclosure
In compliance with the FTC guidelines, please assume the following about all links, posts, photos and other material on this website:
Any/all of the links on this website are affiliate links of which TheFrugalPharmacist receives a small commission from sales of certain items, but the price is the same for you.
TheFrugalPharmacist is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com or endless.com, MYHABIT.com, SmallParts.com, or AmazonWireless.com. Pages on this site may include affiliate links to Amazon and its affiliate sites on which the owner of this website will make a referral commission.
Advertising
I evaluate potential advertising partners on a case by case basis, whose products, mission, and values align with mine. I do not work with or allow the following:
- Paid or sponsored blog posts
- Free products for review
- Paid links or link exchanges
- Brand ambassadorships
- Ad networks or other non-curated advertisements
- Third party promotional companies or services
- Network marketing, multi-level marketing, or other pyramid structures
- Unsolicited joint venture promotions
My thoughts and opinions are my own and not of those of any sponsor or advertiser. If I link to a product on this website, it is because I have purchased it myself, use it for my family, and think it is high-quality.
Comment Policy
I make a sincere effort to be respectful, kind and transparent on TheFrugalPharmacist.com and ask the same respect from you. For this reason, rude, offensive, or harmful comments will not be tolerated. You are welcome to disagree, just do it nicely.
Copyright and Rights Reserved
All of the information on this website, including images, text, audio, video, and other forms of content (including the information on this disclosure page) is Copyright © TheFrugalPharmacist.com 2017-2019 and may not be downloaded, reproduced, republished or otherwise copied without express written permission of the author and of TheFrugalPharmacist.com.
The Website and all of its Content and the selection and arrangement thereof, is protected as a compilation owned by TheFrugalPharmacist and TheFrugalPharmacist.com under the copyright laws of the United States and other countries. TheFrugalPharmacist may change the Website or delete any Content or features or services at any time, in any way, for any or no reason. TheFrugalPharmacist reserves all rights not expressly granted in and to the Website and the Content.
Privacy Policy
This privacy policy governs all content found on TheFrugalPharmacist.com and associated properties.
Information Collected
TheFrugalPharmacist.com may collect certain personal information from you when you register to use the Website or its services and features, such as any e-mail newsletter or membership to the free content library, including, but not limited to, your name, e-mail address, and location. We may also collect additional personal information, including your physical address, in order to deliver products. We may also collect certain non-personally identifiable information from users of our site, such as their Internet protocol address, the type of browser and operating system they use, the domain name of your Internet service provider, and the web pages, content and advertisements you may have visited, viewed or clicked on. We collect this information in several ways, including the following:
- Cookies: Cookies are text files placed in your computer’s browser to store your preferences. Cookies do not contain personal information, but if you choose to furnish us with personal information, this information may be linked to the data stored in the cookie. We may use “cookies” to maintain a record of your visits and to improve the content and services on our site.
- Web Server Logs: Information gathered through cookies and web server logs may include the date and time of visits, the pages viewed, time spent at this site, and the websites visited just before and just after our site. We, our advertisers and ad serving companies may also use small technology or pieces of code to determine which advertisements and promotions users have seen and how users responded to them.
- IP Addresses: Our system may also collect your IP address, which is a numerical address that is used to identify a computer connected to the Internet. We may use your IP address to help diagnose problems with our server, to administer our site, to deliver web pages to you upon request, to tailor our site to the interests of our users, and to measure traffic within our site.
- Public Posting: If you post in the comments of a blog post on the Website (or anywhere on social media), you should be aware that any information you share is visible to other users. Personally identifiable information you submit to one of these forums can be read, collected, or used by other individuals to send you unsolicited messages. TheFrugalPharmacist is not responsible for the personally identifiable information you choose to submit in these forums. For example, if you choose to make information, which was previously non-public, available by enabling certain user features, (such as blog comments) TheFrugalPharmacist will collect that information from your interaction and the information will become publicly available.
We partner with Rakuten Marketing, who may collect personal information when you interact with our site. The collection and use of this information is subject to the privacy policy located here. https://rakutenmarketing.com/legal-notices/services-privacy-policy/
Information from Minors
TheFrugalPharmacist does not knowingly collect information from children under the age of 13. Nor do we collect information from any individual under the age of 18 without the consent of a parent or guardian. If you believe that your child has registered on our site or that we have collected information from your child, please contact us immediately so that we can remove that information from our database.
TheFrugalPharmacist.com does recognize that parents, guardians, or other adults may purchase our products for family use, including use by minors. We do not knowingly collect personal information from children under 13 for marketing purposes, but because some information is collected electronically, it can appear to be the personal information of the purchaser of the product, and will be treated as such by this privacy policy.
How Information Is Used
TheFrugalPharmacist does not sell or rent your contact information to any third parties.
Except as otherwise disclosed to you, we will not sell, rent or disclose your personal information to third parties without notifying you of our intent to share the personal information in advance and giving you an opportunity to prevent your personal information from being shared.
We may use your personal information within TheFrugalPharmacist.com and associated websites to:
- conduct and process transactions with you;
- communicate with you, such as to respond to your inquiries, send purchase receipts, newsletters, emails, and/or notify you of any changes to any legal terms applicable to the Website or any changes to this Privacy Policy;
- improve the Website and the content and services offered on the Site;
- enforce legal terms that govern your use of the laws applicable to the Site;
- protect the Website, services, systems, information, employees, business partners, service providers, users, customers or others; and
- for any other purposes for which the information is collected and maintained.
We may use your non-personally identifiable information to analyze the usage of our site, improve the design and content of our site, deliver relevant marketing messages, personalize your Internet experience, and offer you products and services. In some cases, we may use your IP address to identify you in order to enforce any legal terms that govern our site or to protect our site, services, systems, information, employees, business partners, service providers, users, customers or others from injury or harm.
How Information is Shared
We will share your personal information with third parties only in the ways that are described in this privacy statement. We do not sell your personal information to third parties.
At times we may disclose your personal information as required by law such as to comply with a subpoena, or similar legal process. We may also be required to disclose information about you if we determine that for security, law enforcement, or other issues of public importance, disclosure is necessary.
We also may disclose user information when we have reason to believe that someone is causing injury to or interference with our rights or property. We may also share information if it becomes necessary in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of our Terms of Service, or as otherwise required by law.
How Information is Protected
TheFrugalPharmacist takes reasonable security measures to protect the security and confidentiality of your personal information that we collect and maintain against loss, theft, and misuse, as well as unauthorized access, disclosure, alteration, and destruction. However, we cannot guarantee the security of your personal information or that any communication or transmission of such information over the Internet will be entirely secure.
TheFrugalPharmacist websites use secure encryption, provided by a third party, on some web pages where credit card information is required. To make purchases from any of the TheFrugalPharmacist websites you must use a modern SSL-enabled browser such as Safari, Firefox or Chrome. Doing so helps protect the confidentiality of your personal and credit card information while it’s transmitted over the internet.
You can help us by also taking precautions to protect your personal data when you are on the internet. Change your passwords often using a combination of letters and numbers, and make sure you use a secure web browser. Email is not recognized as a secure medium of communication. For this reason, we request that you do not send private information to us via email.
Third-Party Websites and Links
TheFrugalPharmacist.com may link to websites, products and services operated by third parties. TheFrugalPharmacist is not responsible for and does not endorse or accept any responsibility for the availability, contents, products, services or use of any Third Party Website, any website accessed from a Third Party Site, or any changes or updates to such sites.
These linked websites are only for your convenience and therefore you access them at your own risk. You acknowledge that you bear all risks associated with access to and use of content provided on a Third Party Site and agree that TheFrugalPharmacist and associated companies are not responsible for any loss or damage of any sort you may incur from dealing with a third party. You should contact the website administrator for the applicable Third Party Site if you have any concerns regarding such links or the content located on any such Third Party Site.
Your Consent
By using this site you consent to our collection and use of your personal information as described in this Privacy Policy. If we change our privacy policies and procedures, we will post those changes on this site to keep you aware of what information we collect, how we use it, and under what circumstances we may disclose it.
Applicable Law
Your use of this website shall be governed in all respects by the laws of the state of Michigan U.S.A., without regard to choice of law provisions. Except to the extent that applicable law, if any, provides otherwise, this Agreement, any access to or use of the Website will be governed by the laws of the state of Michigan, U.S.A., excluding its conflict of law provisions, and the proper venue for any disputes arising out of or relating to any of the same will be the state and federal courts located in Michigan.
Except where excluded by law, any dispute arising under this Agreement shall be finally settled in accordance with the Comprehensive Arbitration Rules of the Judicial Arbitration and Mediation Service, Inc. (“JAMS”) by three arbitrators appointed in accordance with such Rules.
The arbitration shall take place in the state of Michigan, in the English language and the arbitral decision may be enforced in any court. The prevailing party in any action or proceeding to enforce this Agreement shall be entitled to costs and attorneys’ fees. If any part of this Agreement is held invalid or unenforceable, that part will be construed to reflect the parties’ original intent, and the remaining portions will remain in full force and effect. A waiver by either party of any term or condition of this Agreement or any breach thereof, in any one instance, will not waive such term or condition or any subsequent breach thereof. You may assign your rights under this Agreement to any party that consents to, and agrees to be bound by, its terms and conditions; TheFrugalPharmacist may assign its rights under this Agreement without condition. This Agreement will be binding upon and will inure to the benefit of the parties, their successors and permitted assigns.
Termination
These terms and conditions are applicable to you upon your accessing this website. The provisions relating to Copyrights, Trademark, Disclaimer, Limitation of Liability, Indemnification, and Miscellaneous, shall in all events survive any termination of these Terms and Conditions.
You may have the right to “opt in” and “opt out” of certain uses of your personal information. For example, at the time you are requested to provide personal information on any of our websites, you may have the opportunity to elect to, or not to receive correspondence from us. You may opt out of any email communications with TheFrugalPharmacist.com by clicking the opt-out link in our messages, or by sending us a message stating that you would like to be removed from a specific email list, or all communications entirely. Please note that you cannot unsubscribe or opt-out from certain correspondence from us, including messages relating to your account transactions. You may be contacted by a TheFrugalPharmacist.com representative in connection with your relationship to us after purchasing an ebook, course or product in order to deliver this product or ensure customer service.