Terms of Use

These Terms of Use (“Terms”) apply to your use of medmoneyguide.com and its accounts, dashboard, calculators, and emails (the “Services”). MedMoneyGuide is operated by Joshua Dunigan, DO (“MedMoneyGuide,” “we,” or “us”). By using the Services, you agree to these Terms and to our Privacy Policy. If you don’t agree, please don’t use the Services.

You must be at least 18 years old to create an account. The Services are intended for people in the United States.

Give accurate sign-up information and keep your password private. You’re responsible for activity on your account, so tell us right away if you think someone else has accessed it. One account per person. You can delete your account anytime by emailing us. We may suspend or close accounts that break these Terms or put the Services or other users at risk.

You own the information you enter, such as your income, balances, and saved results. You give us permission to store and process it only to provide the Services to you, as described in our Privacy Policy. Your dashboard is only as accurate as the numbers you enter, and estimates we fill in for you are labeled as estimates.

Calculators and dashboard projections use the inputs you provide and stated assumptions, such as tax rates, loan program rules, and return rates. Results are estimates, not guarantees, quotes, or offers. Laws, rates, and program rules change; confirm anything important with the relevant provider, loan servicer, or a professional before acting.

We don’t provide loans, insurance, accounts, or other financial products. Products we write about are offered by other companies under their own terms, and approval, rates, and pricing are up to them. Some links are affiliate links, and we may earn a commission when you use them, as explained in our Advertising Disclosure. We aren’t responsible for other companies’ websites, products, or privacy practices.

Please don’t:

• Break the law or use the Services to harm anyone
• Access another person’s account or data, or try to get around security or access controls
• Scrape, copy, or bulk-download content, or use bots to access the Services, other than search engines indexing public pages as allowed by our robots.txt
• Interfere with or overload the Services, or probe them for vulnerabilities without following the responsible disclosure steps on our Security page
• Impersonate MedMoneyGuide or anyone else

The guides, reviews, calculators, design, and logos on MedMoneyGuide belong to us or our licensors and are protected by copyright and other laws. You may read, share links to, and print pages for your own personal, non-commercial use. Anything else, including republishing or using our content to train or build another product, needs our written permission.

If you believe content on MedMoneyGuide infringes your copyright, email editorial@medmoneyguide.com with the information required by the Digital Millennium Copyright Act (17 U.S.C. § 512(c)(3)): the work, where it appears on our site, your contact information, and the required statements and signature.

The Services are provided “as is” and “as available.” To the fullest extent the law allows, we disclaim all warranties, express or implied, including warranties of accuracy, merchantability, fitness for a particular purpose, and non-infringement. We work hard to keep content accurate and current, but we don’t guarantee that it is complete, current, or error-free, or that the Services will be uninterrupted.

To the fullest extent the law allows, MedMoneyGuide won’t be liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits, savings, or data, arising from your use of the Services or reliance on their content. Our total liability for any claim relating to the Services is limited to one hundred U.S. dollars ($100). Some states don’t allow these limits, so they may not all apply to you.

If you have a concern, email us first; most issues can be resolved quickly. If we can’t resolve a dispute within 30 days, you and MedMoneyGuide agree to resolve it through final, binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, except that either of us may bring an individual claim in small claims court.

You and MedMoneyGuide each agree to bring claims only individually, not as a plaintiff or class member in any class or representative proceeding.

These Terms are governed by the laws of the State of Iowa, without regard to conflict-of-law rules. Any claim not subject to arbitration will be brought in the state or federal courts located in Polk County, Iowa.

We may update these Terms as the Services change. We’ll post the new version here with a new effective date and, for significant changes, email account holders before they take effect. Continuing to use the Services after that means you accept the updated Terms. You can stop using the Services at any time, and we may suspend or end access for anyone who breaks these Terms.

Questions about these Terms: editorial@medmoneyguide.com. We reply within 1–2 business days.