Privacy Policy & Disclaimer


At, we recognise that privacy of your personal information is important. Here is information on what types of personal information we receive and collect when you use and visit, and how we safeguard your information.  We never sell your personal information to third parties.


Log Files

As with most other websites, we collect and use the data contained in log files.  The information in the log files include  your IP (internet protocol) address, your ISP), the browser you used to visit our site (such as Internet Explorer or Firefox), the time you visited our site and which pages you visited throughout our site. This information is used for internal purposes only such as monitoring where our traffic comes from, how long readers remain on the site and which pages are read. None of this information is passed or sold onto third parties.



We do use cookies to store information, such as your personal preferences when you visit our site.  This could include only showing you a popup once in your visit, or the ability to login to some of our features, such as forums.

We also use third party advertisements on to support our site.  Some of these advertisers may use technology such as cookies and web beacons when they advertise on our site, which will also send these advertisers (such as Google through the Google AdSense program) information including your IP address, your ISP , the browser you used to visit our site, and in some cases, whether you have Flash installed.  This is generally used for geotargeting purposes (showing New York real estate ads to someone in New York, for example) or showing certain ads based on specific sites visited (such as showing cooking ads to someone who frequents cooking sites).

You can choose to disable or selectively turn off our cookies or third-party cookies in your browser settings, or by managing preferences in programs such as Norton Internet Security.




Pinching Pennies was created to provide motivation and opinion on becoming debt free, saving money, spending wisely and making an extra income.

No information within this site should be treated as professional financial advice and Pinching Pennies does not take any liability from action taken by readers which is entirely at their own risk.

Readers are strongly advised to seek professional advice from an accredited finance professional on any matters concerning them.

While we strive to keep information on this site as up-to-date as possible, we do not guarantee the accuracy of the information on this site. Pinching Pennies is not a financial advisor, financial institution, tax advisor, accounting advisor, legal advisor or financial advisor.

Any act of betting, trading, gambling, investing or similiar made is entirely at readers’ own risk. Please be aware that investments can go down as well as up and Pinching Pennies cannot be held liable for any losses suffered as a result of recommendations on this site. Past performance of investments is not a guarantee of future performance.

Material on Pinching Pennies may not be copied, replicated, published, broadcast or rewritten but posts on the site may be linked back to from third party sites with our permission.