Privacy Policy

MedMoneyGuide (medmoneyguide.com) is an independent financial education site for physicians, founded by Joshua Dunigan, DO, and operated by MedMoneyGuide LLC in Des Moines, Iowa. In this policy, “MedMoneyGuide,” “we,” and “us” mean MedMoneyGuide LLC. This policy covers the website, free accounts, the dashboard, calculators, our emails, and the MedMoneyGuide iPhone app.

Information you give us

• Account details: your name, email address, and password. If you use Google sign-in, Google shares your name, email address, and profile picture with us. If you use Microsoft sign-in, Microsoft shares your email address with us
• Onboarding and dashboard information you choose to enter, such as career stage and training year, specialty, state, income, filing status and dependents, account and loan balances, interest rates, PSLF payment count, goals, and alert preferences
• Calculator results you choose to save to your dashboard
• Newsletter sign-ups: your email and career stage, plus the numbers you enter if you request a personalized email (the loan balance and rate for our refinance playbook, or the loan balance, income, dependents and payments made for a PSLF breakdown)
• Questions you ask Ask MedMoneyGuide AI. If you use the microphone button, your browser turns your speech into text (in Chrome, through Google; in Safari, through Apple) and we receive only the text
• Physician Wealth Survey answers, if you take the survey: specialty, age, years since training, practice setting, income, net worth, student loan debt, whether you have a pension, ownership equity, and your main financial goal. The survey is anonymous: we store your answers with the date you sent them, but not your name, email address, account, or IP address
• Anything you send us by email

Information collected automatically

• Device and browser type, IP address, and approximate location
• Pages you visit, how you arrived, and how you use the site, through Google Analytics unless you turn analytics cookies off (or your browser sends a Global Privacy Control signal). This includes simple events such as signing up or asking a question, which sign-up prompt you clicked, and which links on our pages you click (the page area and where the link goes), never what you typed
• Cookieless visit and page-speed statistics from Vercel Web Analytics and Speed Insights: pages viewed, which links on our pages are clicked, referring site, device and browser type, and country. They don’t use cookies and aren’t tied to your account
• Standard server logs kept by our hosting provider for security and reliability

Information we don’t collect

We never ask for Social Security numbers, bank or loan servicer logins, credit reports, payment card details, or health records.

The app asks you to create a free account before setup. What you enter in it, such as your name, profile and money snapshot, federal and private loan balances, PSLF plans and payment count, plan progress, deadlines, CME credits, licenses and certifications (name, issuer, number, and expiration date), job offers, moonlighting shifts, budget, net worth accounts, retirement contributions, and your Daily Money Question answers (which question, the option you picked, and whether it was right), is stored on your phone and backed up to your account.

Your account

You sign in with Sign in with Apple or a one-time code sent to your email; there is no password. With Sign in with Apple, Apple gives us your name (only if you choose to share it, and only the first time) and an email address, which can be a private relay address from Hide My Email; we never see your Apple Account password. Your app data, including license and certification numbers you enter, is backed up to the same database as your website account, so you can restore it on another device, and it stays private to your account. Photos and vault documents are never uploaded to our servers.

What stays on your phone

• Contracts you check, whether pasted, photographed or scanned, are read on your phone and never uploaded. Only the summary is kept, and you choose whether to share its PDF
• Loan files you import from StudentAid.gov are read on your phone; the app keeps only balances, rates, status, repayment plan, servicer, and PSLF months
• Photos of CME certificates and of license and certification cards stay on your phone and aren’t synced
• Face ID and Touch ID are checked by your phone. Neither the app nor we receive biometric data
• Notifications are created on your phone from what’s already in the app: the Daily Money Question at 8 AM unless you’ve answered it, the payday check-in if you set your paydays, deadline and estimated-tax reminders, and the Sunday “Your week ahead” summary. They don’t show your dollar amounts on the lock screen. Each can be turned off in Profile. We don’t collect a push notification token
• For rate alerts you set, the app checks the latest published rates in the background from time to time and notifies you on your phone when a target is hit. The check only downloads public rates; nothing about you is sent
• Home and lock screen widgets show a short summary stored on your phone, such as your next deadline, PSLF count, and the week’s Daily Money Questions and streak
• Documents you add to the vault stay on your phone and aren’t synced. Only each document’s name and dates are backed up
• Your iPhone’s own backup (iCloud Backup, or a backup to your computer) includes what the app keeps on your phone, photos and vault documents too, just as it does for other apps. That backup is held by Apple or by you, not by us, and we can’t see it
• Adding deadlines to your calendar uses add-only access: the app creates the events and can’t see anything else in your calendar

Ask MedMoneyGuide in the app

Questions you ask the app’s assistant go to our server and to Anthropic to be answered. Before your first question, the app explains this and asks whether you agree; nothing is sent until you do, and you choose whether to include your plan numbers. With “Personalize with my plan” on, a short summary of what you entered in the app goes with each question: career stage, specialty and state; yearly pay; your loans’ plans, balances, rates and payments, PSLF count and last certification date; take-home pay, cash savings and monthly budget spending; filing status, spouse income and dependents; upcoming deadline titles and dates; retirement contributions; wRVU and moonlighting totals; CME hours; which insurance the app’s audit says you have; plan progress; and the screen you’re on. It never includes your name, email, license or certification numbers, photos, or documents. We don’t store these questions or answers; we keep only counts, such as how many questions were asked. When the assistant suggests a change to your app data, nothing changes until you tap Confirm.

What the app doesn’t do

The app doesn’t access your contacts, location, microphone, or health data, never browses your photo library on its own, and contains no advertising, analytics, or tracking tools. It downloads current rates and guide listings from medmoneyguide.com and mortgage rate history from Freddie Mac (including in the background, for rate alerts), and a few company logos from Wikimedia and Google’s favicon service, without sending any personal information. When you open another company’s site from the app, the link says which feature you came from, never your information.

Deleting your data

Delete your account in the app (Profile, then Delete account) or on the website. Either one removes your app data, your website data, and the newsletter subscription for that email address. If you signed in with Apple, deleting your account also revokes the app’s Sign in with Apple access. Signing out or deleting the app clears what’s stored on your phone; your backed-up copy stays in your account until you delete the account.

• To create and secure your account and keep you signed in
• To show your dashboard, calculations, and personalized guide and calculator recommendations
• To send emails you ask for or that your account needs: sign-in links, password resets, a one-time reminder to confirm your email or finish setting up your account, the newsletter, and account alerts (on by default; you can turn each one off in your dashboard or from the alert email)
• To answer questions asked on Ask MedMoneyGuide AI, and to learn which topics our guides don’t cover yet so we can write about them
• To build physician wealth benchmarks from Physician Wealth Survey answers, used only in aggregate
• To understand which pages, tools, and sign-up prompts are useful and to fix problems
• To respond to your messages and correction reports
• To prevent abuse and meet legal obligations

We don’t use your dashboard numbers for advertising, and we don’t make automated decisions about you that have legal or similarly significant effects.

We don’t sell or rent your personal information, and we don’t share it for targeted advertising. We share it only with service providers that help us run the site, under their own security and privacy commitments:

• Vercel: website hosting and cookieless analytics
• Supabase: accounts, authentication, and database
• Resend: email delivery
• Anthropic: writes the answers on Ask MedMoneyGuide AI with its Claude models. It receives your question, the last two questions and answers in the same chat, and excerpts from our guides, but not your account or dashboard information, with one exception: if you choose “Ask AI what this result means” under a calculator result, the question includes that result and the main numbers behind it (such as a loan balance, income, or age), which may have been pre-filled from your dashboard. We don’t store those calculator questions. In the iPhone app it can also receive the plan summary described above, if you turn on “Personalize with my plan”. When our guides don’t cover a question, it may search the web using terms based on your question. Anthropic keeps this data for a limited period under its commercial terms and doesn’t use it to train its models
• Google: analytics (unless you turn it off) and Google sign-in (if you use it)
• Microsoft: Microsoft sign-in (if you use it)
• Apple: Sign in with Apple in the iPhone app (if you use it)

We may also disclose information if required by law, to protect the rights and safety of our users or the public, or as part of a sale or transfer of the site, in which case this policy would continue to apply to your information.

Links to other sites. We have no affiliate or advertising relationships (see our Advertising Disclosure). When you follow a link to another company’s site, it may see that you came from MedMoneyGuide, as with any link on the web. We don’t send it your account or dashboard information, and its privacy policy applies once you leave our site.

Essential

Keep you signed in, protect sign-in, and remember your settings, including your cookie choice. The site can’t work without them.

Analytics

Google Analytics helps us see which pages are useful. It never receives what you type into calculators or your dashboard. You can turn it off anytime in Cookie settings, or with Google’s opt-out browser add-on.

Cookieless analytics

Vercel Web Analytics and Speed Insights count visits and measure page speed without cookies or identifiers that follow you across sites, so they run for every visitor.

Local storage

Your browser’s local storage remembers a few things on your device only: your cookie choice, a calculator result you asked to save before signing in, which sign-up prompt you came from, whether you dismissed a popup, your favorite calculators, and, if you’re signed out, how many Ask questions you’ve asked today. If you enter your email in our newsletter popup, it’s also kept for that browser tab only, to fill in the sign-up form. Clearing your browser data removes them.

Advertising

We don’t run display ads and don’t use advertising or cross-site tracking cookies. If that ever changes, we’ll update this policy and ask for your consent where required.

• Account and dashboard data: while your account is open. Delete your account anytime from Profile & settings or in the iPhone app, and we remove your profile, dashboard data, saved results, and alert history right away
• Newsletter: until you unsubscribe
• Ask MedMoneyGuide AI: we don’t keep questions our guides answer. Questions that needed an estimate from outside our guides are kept for 90 days, without your account, IP address, or any chat details, to plan new guides; we remove email addresses, phone numbers, and long numbers from them first. Don’t include personal details in questions. For signed-in accounts we also keep a daily count of how many questions you asked (the number only, not the questions) to apply the daily limit; counts are deleted after 30 days or with your account. If you’re signed out, the count of today’s questions stays in your browser
• IP addresses: used briefly, in memory, to limit how many questions or newsletter sign-ups one visitor can send in a few minutes, and in our hosting provider’s short-lived server logs
• Physician Wealth Survey: answers are kept for our benchmarks. They aren’t tied to your name, email address, or account
• Analytics: kept according to our Google Analytics retention settings, in a form that doesn’t identify you by name
• Emails you send us: as long as needed to respond and keep a record of corrections

We use encryption in transit (HTTPS), hashed passwords, and database rules that keep each account’s data private to that account. No system is perfectly secure, so we can’t guarantee absolute security. Details are on our Security page.

• Update your details and email preferences in Profile & settings
• Unsubscribe from the newsletter or any alert email using the link at the bottom
• Change analytics cookies in Cookie settings
• Delete your account yourself from Profile & settings (under “Delete account”)
• Ask for a copy of your information or a correction by emailing editorial@medmoneyguide.com

Depending on where you live, including California and several other states, you may have additional rights under state privacy laws, such as the right to know what we collect, to delete or correct it, and to opt out of the sale or sharing of personal information or its use for targeted advertising. We don’t sell or share personal information as those laws define it. To protect your account, we’ll confirm requests from the email address on the account, and we won’t treat you differently for using your rights.

MedMoneyGuide is for adults. Accounts are limited to people 18 and older, and we don’t knowingly collect personal information from children under 13. If you believe a child has given us information, contact us and we’ll delete it.

MedMoneyGuide is operated from the United States and is intended for U.S. residents. Our service providers store and process information in the United States.

We’ll update the effective date at the top when this policy changes. For significant changes, we’ll also email account holders before the change takes effect.

Questions or privacy requests: editorial@medmoneyguide.com. We reply within 1–2 business days.