Privacy Policy

1. Who We Are

DoctorAdvisor.com (“Doctor Advisor,” “we,” “us,” or “our”) is a physician financial education website operated by Doctor Advisor LLC. Our website is located at https://www.doctoradvisor.com. For privacy-related inquiries, contact us at privacy@doctoradvisor.com.

Doctor Advisor is an educational resource. We are not a registered investment advisor, broker-dealer, CPA firm, insurance brokerage, or law firm. We do not provide personalized financial, tax, legal, or insurance advice.

2. Information We Collect

Information You Provide Directly

Data Type	When Collected	Purpose
Name and email	Contact form, newsletter signup, financial checkup (if you choose to save results)	Respond to your inquiry; deliver requested content
Career stage and role	Contact form, financial checkup	Personalize your action plan and guide recommendations
Financial checkup responses	Financial checkup tool	Generate your personalized priority list and recommendations
Message content	Contact form, email correspondence	Respond to your question, feedback, or inquiry

Information Collected Automatically

Data Type	How Collected	Purpose
Device and browser information	Automatically via web server logs	Ensure website compatibility and security
IP address	Automatically via web server logs	Security, fraud prevention, approximate geographic analytics
Pages visited, time on page, referral source	Analytics cookies (Google Analytics or equivalent)	Understand which content is most useful; improve guides and tools
Affiliate link clicks	Affiliate tracking cookies	Track referrals so we receive credit for recommendations

Information We Do NOT Collect

Doctor Advisor does not collect:

• Social Security numbers, bank account numbers, credit card numbers, or other financial account identifiers
• Medical records, diagnoses, or health information
• Data entered into our financial calculators (these run entirely in your browser — see Section 7)
• Passwords (we do not have user accounts or login systems)

3. How We Use Your Information

We use the information we collect for the following purposes:

• Provide requested services: Deliver your financial checkup results, respond to contact form inquiries, send newsletter content you subscribed to
• Improve our content: Analyze which guides and tools are most used to prioritize updates and new content development
• Communicate with you: Respond to your questions, send updates you have opted into, notify you of important content corrections
• Maintain security: Detect and prevent spam, fraud, and unauthorized access
• Fulfill legal obligations: Comply with applicable laws, regulations, and legal processes

We do not use your information to:

• Build advertising profiles or serve targeted ads
• Make automated decisions about your creditworthiness, insurance eligibility, or employment
• Sell to data brokers, marketing companies, or any third party

4. How We Share Your Information

We never sell your personal information. We share data only in the following limited circumstances:

Recipient	What We Share	Why
Service providers	Email address (email delivery service); analytics data (analytics provider)	Operate the website and deliver services you requested. Providers are contractually bound to use data only for our purposes
Advisor referrals (only with your consent)	Name, email, career stage, stated financial priorities	When you explicitly request an introduction to a vetted financial advisor through our checkup tool. We share only after you opt in
Legal compliance	As required by law	Respond to subpoenas, court orders, or legal process; protect rights, safety, or property

We do not share your information with:

• Insurance companies, financial product providers, or lenders for marketing purposes
• Data brokers or list resellers
• Any third party for their own independent marketing

5. Cookies & Tracking Technologies

Doctor Advisor uses cookies — small text files stored on your device — for the following purposes:

Cookie Type	Purpose	Duration	Can You Opt Out?
Essential	Website functionality, security, cookie preference storage	Session to 1 year	No (required for site to function)
Analytics	Page views, time on page, referral sources, popular content (Google Analytics or equivalent)	Up to 2 years	Yes — via cookie banner or browser settings
Affiliate tracking	Track clicks on affiliate links so Doctor Advisor receives referral credit	30-90 days (set by affiliate partner)	Yes — via cookie banner or browser settings

How to Manage Cookies

• Cookie banner: When you first visit DoctorAdvisor.com, a cookie consent banner allows you to accept or decline non-essential cookies
• Browser settings: Most browsers allow you to block or delete cookies through their privacy settings. Note that blocking essential cookies may prevent the website from functioning properly
• Google Analytics opt-out: Install the Google Analytics Opt-Out Browser Add-on to prevent your data from being used by Google Analytics on any website

We do not use cookies for retargeting, behavioral advertising, or cross-site tracking. We do not participate in ad networks.

6. Affiliate Links & Advertising Disclosure

Doctor Advisor earns revenue through affiliate partnerships. When you click a link to a product or service we recommend (such as a student loan refinancing lender, disability insurance quote tool, or tax software) and take action (sign up, request a quote, make a purchase), we may earn a commission from the provider.

How this affects your experience:

• Affiliate relationships do not increase the price you pay. The cost to you is identical whether you click through Doctor Advisor or go directly to the provider
• Affiliate relationships do not determine our recommendations. We recommend products based on independent evaluation. If an affiliate partner’s product is inferior, we say so — even if it costs us revenue
• All affiliate links are clearly labeled on the page where they appear. We use disclosures such as “Affiliate Link,” “Partner Link,” or “We may earn a commission” near the link
• If we earn a commission from a product mentioned in a guide, the guide includes a disclosure statement, typically at the top of the page

For our complete advertising and editorial policy, see our About page.

7. Financial Tools & Calculators

Your financial calculator data stays on your device. All Doctor Advisor calculators and financial tools (student loan comparison, retirement projection, tax savings calculator, etc.) run entirely in your web browser using client-side JavaScript. The numbers you enter are processed locally on your device and are never transmitted to our servers.

This means:

• We cannot see the income, debt, savings, or other financial data you enter into any calculator
• We do not store calculator inputs or outputs
• Your calculator data is not included in analytics
• When you close the browser tab, your calculator data is gone

The financial checkup tool is the one exception: if you choose to save your results or request an advisor referral, the checkup responses you submit are stored on our servers to provide the service you requested. This data is covered by the collection and use policies described in Sections 2-4 above.

8. Data Retention

Data Type	Retention Period
Contact form submissions	2 years from submission, then deleted
Financial checkup responses	1 year from submission, then deleted (unless you request deletion sooner)
Newsletter subscriber data	Until you unsubscribe, then deleted within 30 days
Analytics data	26 months (Google Analytics default), then automatically deleted
Server logs	90 days, then automatically deleted
Email correspondence	2 years from last interaction, then deleted

You can request immediate deletion of your data at any time by emailing privacy@doctoradvisor.com. We will process deletion requests within 30 days.

9. Data Security

We implement industry-standard security measures to protect your personal information:

• Encryption in transit: All data transmitted between your browser and our servers is encrypted using TLS (HTTPS). Every page on DoctorAdvisor.com uses HTTPS
• Encryption at rest: Personal data stored on our servers is encrypted at rest
• Access controls: Access to personal data is restricted to authorized team members who need it to respond to your inquiry or operate the service
• Regular security reviews: We conduct periodic reviews of our data collection, storage, and processing practices
• Incident response: In the event of a data breach affecting your personal information, we will notify affected users and applicable regulatory authorities within the timeframes required by law

No system is perfectly secure. While we take reasonable precautions, we cannot guarantee absolute security of your data. We encourage you not to share sensitive financial account numbers via email or our contact form.

10. Your Rights Under CCPA (California Residents)

If you are a California resident, the California Consumer Privacy Act (CCPA) grants you the following rights:

• Right to know: You may request that we disclose the categories and specific pieces of personal information we have collected about you, the categories of sources, the business purpose for collecting it, and the categories of third parties with whom we share it
• Right to delete: You may request that we delete the personal information we have collected about you, subject to certain exceptions
• Right to opt out of sale: We do not sell your personal information, so this right does not apply. However, if our practices change, we will provide a “Do Not Sell My Personal Information” link
• Right to non-discrimination: We will not discriminate against you for exercising any of your CCPA rights

To exercise your CCPA rights, email privacy@doctoradvisor.com with the subject line “CCPA Request.” We will verify your identity and respond within 45 days.

11. Your Rights Under GDPR (European Union Residents)

If you are located in the European Economic Area (EEA), the General Data Protection Regulation (GDPR) grants you the following rights:

• Right of access: Request a copy of the personal data we hold about you
• Right to rectification: Request correction of inaccurate personal data
• Right to erasure: Request deletion of your personal data (“right to be forgotten”)
• Right to restrict processing: Request that we limit how we use your data
• Right to data portability: Request your data in a structured, machine-readable format
• Right to object: Object to processing of your data for certain purposes, including direct marketing
• Right to withdraw consent: Withdraw consent at any time where we rely on consent as the legal basis for processing

Legal bases for processing:

• Consent: Analytics cookies, newsletter subscription, affiliate tracking cookies
• Legitimate interest: Website security, fraud prevention, content improvement
• Contract performance: Delivering the financial checkup results or advisor referral you requested

To exercise your GDPR rights, email privacy@doctoradvisor.com with the subject line “GDPR Request.” We will respond within 30 days. You also have the right to lodge a complaint with your local data protection authority.

12. Children’s Privacy

Doctor Advisor is not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected personal information from a child under 18, we will delete that information promptly. If you believe a child has provided us with personal data, please contact us at privacy@doctoradvisor.com.

13. Third-Party Links

Doctor Advisor guides contain links to third-party websites, including financial product providers, government resources, and educational references. These links are provided for your convenience and information. We do not control third-party websites and are not responsible for their privacy practices.

We encourage you to read the privacy policy of any website you visit after leaving DoctorAdvisor.com. Third-party links on our site do not imply endorsement of their privacy practices.

14. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make material changes:

• We will update the “Last Updated” date at the top of this page
• For significant changes, we will display a notice on our homepage for at least 30 days
• If you are a newsletter subscriber, we will notify you by email of material changes

We encourage you to review this page periodically. Your continued use of DoctorAdvisor.com after changes are posted constitutes acceptance of the updated policy.

15. Contact Us

For questions, concerns, or requests related to this Privacy Policy or your personal data, contact us:

• Email: privacy@doctoradvisor.com
• General inquiries: hello@doctoradvisor.com
• Contact form: DoctorAdvisor.com/contact

We respond to all privacy-related inquiries within 30 days.