Terms of Service

1. Acceptance of Terms

By accessing or using DoctorAdvisor.com (the “Website”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, you must not access or use the Website. These Terms constitute a legally binding agreement between you (“you” or “User”) and Doctor Advisor LLC (“Doctor Advisor,” “we,” “us,” or “our”).

We may update these Terms from time to time. Your continued use of the Website after changes are posted constitutes acceptance of the revised Terms. We will note the date of the most recent update at the top of this page.

2. About Doctor Advisor

Doctor Advisor is a physician financial education website. We publish free guides, tools, calculators, and resources designed to help physicians make informed financial decisions at every career stage. Our content covers topics including investing, tax strategy, retirement planning, insurance, student loans, practice transitions, and career-stage financial planning.

Doctor Advisor is operated by Doctor Advisor LLC, a limited liability company. We are not a registered investment advisor, broker-dealer, certified public accountancy firm, insurance brokerage, law firm, or any other licensed financial services provider.

3. Educational Content — Not Financial Advice

Our content is designed to help you understand financial concepts, evaluate your options, and ask better questions when working with qualified professionals. It is not a substitute for personalized advice from a licensed financial planner, certified public accountant, attorney, insurance agent, or other qualified professional who understands your specific circumstances.

When we use language such as “Doctor Advisor recommends,” “we suggest,” or “the optimal strategy is,” we are expressing our editorial opinion based on general analysis — not providing personalized advice tailored to your individual financial situation, risk tolerance, tax circumstances, or investment objectives.

You are solely responsible for your own financial decisions. Before acting on any information from this Website, we strongly encourage you to consult with a qualified, licensed professional who can evaluate your complete financial picture.

4. No Professional-Client Relationship

Your use of this Website does not create a professional-client relationship of any kind between you and Doctor Advisor. Specifically:

• No financial advisor-client relationship
• No attorney-client relationship
• No accountant-client relationship
• No insurance agent-client relationship
• No fiduciary duty or obligation

Submitting a contact form, completing the financial checkup tool, subscribing to our newsletter, or engaging with any other feature of this Website does not establish a professional relationship or impose any duty of care upon Doctor Advisor.

5. Accuracy & Limitations

Doctor Advisor strives to provide accurate, current, and complete information. Our editorial process includes independent fact-checking, expert review, and an annual update cycle, as described in our Editorial Policy. However, we cannot guarantee that all information on this Website is accurate, complete, or current at all times.

Specific limitations you should be aware of:

• Tax law changes frequently. Tax brackets, contribution limits, deduction thresholds, and regulatory requirements change annually and sometimes mid-year. While we update our guides at least annually, there may be periods when published figures reflect prior-year limits
• Financial product terms change. Insurance premiums, loan rates, software features, and product availability change without notice. Our comparisons reflect conditions at the time of publication or last review
• Individual circumstances vary. General information that is accurate for most physicians may not apply to your specific situation. Factors including state of residence, filing status, employer benefits, health status, family composition, and personal risk tolerance affect which strategies are optimal for you
• Projections are not predictions. Retirement projections, compound growth examples, and savings estimates use stated assumptions (e.g., “assuming 7% annual return”). Actual results will vary based on market conditions, tax law changes, and personal circumstances

6. Financial Tools & Calculators

Doctor Advisor provides free financial calculators and tools for educational purposes. By using these tools, you acknowledge and agree:

• Tools provide estimates, not precise projections. Calculator results are directional estimates based on the inputs you provide and the assumptions built into the tool. They are not precise financial projections and should not be relied upon as the sole basis for financial decisions
• Tools run in your browser. Calculator data is processed locally on your device using client-side JavaScript. We do not transmit, store, or have access to the financial data you enter into our calculators (except the financial checkup tool if you choose to save results — see our Privacy Policy)
• Tools use simplified models. Our calculators cannot account for every variable that affects real-world financial outcomes. They do not replace comprehensive financial planning software or the judgment of a qualified financial professional
• Tool assumptions may become outdated. Built-in tax brackets, contribution limits, and other parameters are updated annually but may not reflect mid-year legislative changes

7. Affiliate Links & Third-Party Products

Doctor Advisor earns revenue through affiliate partnerships. When you click certain links on our Website and take action (sign up, request a quote, make a purchase), we may earn a commission from the third-party provider.

By using this Website, you acknowledge and agree:

• Affiliate links are clearly labeled. We identify affiliate relationships using disclosures such as “Affiliate Link,” “Partner Link,” or “We may earn a commission.” See our Editorial Policy for how we evaluate affiliate products
• Affiliate relationships do not increase the price you pay. The cost to you is identical whether you access a product through Doctor Advisor or directly through the provider
• We are not responsible for third-party products. When you click an affiliate link and interact with a third-party provider, your relationship is with that provider — not with Doctor Advisor. We are not a party to any transaction between you and a third-party provider and are not responsible for the quality, safety, legality, or delivery of their products or services
• Third-party terms apply. Your use of any third-party product or service is governed by that provider’s terms of service, privacy policy, and other agreements — not by these Terms

8. Intellectual Property

Our Content

All content on DoctorAdvisor.com — including text, graphics, logos, icons, images, comparison tables, data compilations, tool interfaces, and the overall design and layout of the Website — is the property of Doctor Advisor LLC or its content licensors and is protected by United States and international copyright, trademark, and other intellectual property laws.

What You May Do

• Read and use our content for your personal, non-commercial financial education
• Share links to our pages on social media, email, or other channels
• Quote short excerpts (under 200 words) with proper attribution and a link back to the original page on DoctorAdvisor.com
• Reference our content in educational settings (medical schools, residency programs, financial wellness events) with attribution

What You May Not Do

• Republish, reproduce, or distribute our content in whole or in substantial part without prior written permission
• Create derivative works based on our content without prior written permission
• Use our content for commercial purposes (including in courses, products, or services you sell) without a license agreement
• Scrape, crawl, or automatically extract content from our Website for any purpose, including training machine learning models, without prior written permission
• Remove or alter any copyright notices, attribution, or proprietary markings
• Use our trademarks — including “Doctor Advisor,” the Doctor Advisor logo, and “DoctorAdvisor.com” — in any manner that implies endorsement, sponsorship, or affiliation without prior written permission

For republication requests, syndication, or licensing inquiries, email hello@doctoradvisor.com.

9. User Conduct

By using this Website, you agree not to:

• Use the Website for any unlawful purpose or in violation of any applicable law or regulation
• Attempt to gain unauthorized access to any portion of the Website, server, or connected systems
• Interfere with or disrupt the Website or servers or networks connected to the Website
• Use automated systems (bots, scrapers, crawlers) to access or extract content beyond what is permitted by our robots.txt file
• Impersonate Doctor Advisor, our team members, or any other person or entity
• Submit false, misleading, or fraudulent information through our contact forms or tools
• Use the Website to transmit spam, malware, or other harmful content
• Reverse engineer, decompile, or disassemble any software or technology used in the Website

10. User-Submitted Content

If you submit content to Doctor Advisor through our contact form, financial checkup tool, comments, feedback, or any other feature, you agree:

• You own or have the right to submit the content
• Your submission does not violate any third party’s rights, including intellectual property rights and privacy rights
• You grant Doctor Advisor a non-exclusive, royalty-free, worldwide license to use, modify, and display your submitted content for the purpose of operating and improving the Website (for example, using anonymized feedback to improve our guides)
• You will not submit content that is defamatory, obscene, threatening, or otherwise objectionable

We reserve the right to remove any user-submitted content at our sole discretion. We are not obligated to publish, respond to, or retain any submissions.

11. Third-Party Websites

DoctorAdvisor.com contains links to third-party websites, including financial product providers, government agencies, educational resources, and professional organizations. These links are provided for convenience and informational purposes only.

Doctor Advisor does not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party websites. By clicking a link to a third-party site, you leave DoctorAdvisor.com and become subject to the terms and policies of that third-party site. We encourage you to read the terms and privacy policy of any website you visit.

12. Disclaimer of Warranties

No information on this Website — regardless of how specific, detailed, or confidently stated — constitutes a guarantee of any financial outcome. Past performance of any investment, strategy, or financial product does not guarantee future results.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, DOCTOR ADVISOR LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AUTHORS, REVIEWERS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, OR FINANCIAL LOSSES, ARISING OUT OF OR IN CONNECTION WITH:

• Your use of or reliance on any content, tools, calculators, or recommendations on this Website
• Any financial decision you make based on information obtained from this Website
• Any errors, inaccuracies, or omissions in our content
• Any interruption, suspension, or termination of the Website or any portion thereof
• Any unauthorized access to or use of our servers or any personal information stored therein
• Any third-party products, services, or websites accessed through links on this Website

IN NO EVENT SHALL DOCTOR ADVISOR’S TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE WEBSITE EXCEED ONE HUNDRED DOLLARS ($100.00).

Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities. In such jurisdictions, our liability shall be limited to the greatest extent permitted by applicable law.

14. Indemnification

You agree to indemnify, defend, and hold harmless Doctor Advisor LLC, its officers, directors, employees, agents, authors, reviewers, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to:

• Your use of the Website
• Your violation of these Terms
• Your violation of any applicable law or third-party right
• Any content you submit to the Website

15. DMCA & Copyright Claims

Doctor Advisor respects intellectual property rights. If you believe that content on our Website infringes your copyright, please submit a DMCA takedown notice to our designated copyright agent:

• Email: legal@doctoradvisor.com
• Subject line: “DMCA Takedown Notice”

Your notice must include:

1. Identification of the copyrighted work you claim has been infringed
2. Identification of the material on our Website that you claim is infringing, with sufficient detail for us to locate it (URL preferred)
3. Your contact information (name, address, telephone number, email address)
4. A statement that you have a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law
5. A statement, under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on behalf of the copyright owner
6. Your physical or electronic signature

We will respond to valid DMCA notices within 10 business days and will remove or disable access to the allegedly infringing material while we investigate.

16. Termination

We reserve the right to terminate or restrict your access to the Website at any time, without notice, for any reason, including but not limited to violation of these Terms. Upon termination, your right to use the Website ceases immediately.

Sections of these Terms that by their nature should survive termination — including Disclaimer of Warranties, Limitation of Liability, Indemnification, and Governing Law — shall survive termination.

17. Governing Law & Disputes

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions.

Any dispute arising out of or relating to these Terms or your use of the Website shall be resolved exclusively in the state or federal courts located in the State of Delaware, and you consent to the personal jurisdiction of such courts.

Informal resolution first: Before initiating any formal legal proceeding, you agree to contact us at legal@doctoradvisor.com and attempt to resolve the dispute informally for at least 30 days. Most concerns can be resolved quickly and informally.

18. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, or if modification is not possible, severed from these Terms. The remaining provisions shall continue in full force and effect.

The failure of Doctor Advisor to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

19. Changes to These Terms

We may revise these Terms at any time by updating this page. Changes take effect immediately upon posting. We will update the “Last Updated” date at the top of this page when we make changes.

For material changes that significantly affect your rights or obligations, we will provide notice through one or more of the following methods:

• A prominent notice on the Website homepage for at least 30 days
• An email to newsletter subscribers
• A notification displayed when you next visit the Website

Your continued use of the Website after changes are posted constitutes your acceptance of the revised Terms. If you do not agree with the revised Terms, you must stop using the Website.

20. Contact Us

For questions about these Terms of Service:

• Legal inquiries: legal@doctoradvisor.com
• General inquiries: hello@doctoradvisor.com
• Contact form: DoctorAdvisor.com/contact

Doctor Advisor LLC • Registered in the State of Delaware • DoctorAdvisor.com