These Terms of Use (“Terms”) set forth the terms and conditions that apply to your access and use of all MedMoneyGuide products and services (together, the “Services”), as made available through our website including but not limited to www.medmoneyguide.com (the “Site”).
1. Acceptance of Terms
BY ACCESSING OR USING THE SITE, YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE, DISCONTINUE USE IMMEDIATELY.
By accessing or using the Site, you represent that you are at least 18 years of age and have the legal capacity to enter into these Terms. We reserve the right, in our sole discretion, to modify or update these Terms at any time. Your continued use of the Site following the posting of changes constitutes your acceptance of such changes.
2. Privacy & Communications
Your privacy is important to us. Our Privacy Policy, incorporated into these Terms by reference, explains how we collect and use your information. By using the Site, you agree that we may use your data in accordance with our Privacy Policy.
You agree to receive notices from us via email and other electronic communications. You may opt out of promotional communications at any time.
3. Eligibility
The Services are intended for residents of the United States. Accessing the Site from territories where the content is illegal is prohibited. If you use our Services on behalf of an entity, you represent and warrant that you have the authority to bind that entity to these Terms.
4. Non-Professional Advice Disclaimer
Educational Purposes Only
THE CONTENT PROVIDED ON MEDMONEYGUIDE.COM, INCLUDING CONTRIBUTIONS FROM J.R. DUNIGAN, DO, IS FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY. J.R. DUNIGAN, DO, IS A PRACTICING PHYSICIAN, BUT THE INFORMATION PROVIDED ON THIS SITE DOES NOT CONSTITUTE MEDICAL ADVICE, CLINICAL DIAGNOSIS, OR PROFESSIONAL TREATMENT PLANS.
FURTHERMORE, MEDMONEYGUIDE IS NOT A REGISTERED INVESTMENT ADVISOR, CERTIFIED FINANCIAL PLANNER, TAX PROFESSIONAL, OR LEGAL COUNSEL. NOTHING ON THIS SITE SHALL BE CONSTRUED AS PERSONALIZED FINANCIAL ADVICE, INVESTMENT STRATEGY, OR LEGAL COUNSEL. ALWAYS CONSULT WITH A LICENSED PROFESSIONAL REGARDING YOUR SPECIFIC CIRCUMSTANCES.
5. Services & Content License
Subject to your compliance with these Terms, MedMoneyGuide grants you a personal, non-exclusive, non-transferable, limited license to access and use the Site for your personal, non-commercial purposes only. Any other use of the Site is prohibited.
6. User Conduct & Bot Policy
You agree not to use the Site in any way that violates any applicable federal, state, local, or international law or regulation. Prohibited activities include, but are not limited to:
- Automated Data Collection: Use of any robot, spider, bot, or other automatic device, process, or means to access the Site for any purpose, including monitoring or copying any of the material on the Site.
- Inhibiting Use: Engaging in any conduct that restricts or inhibits anyone's use or enjoyment of the Site, or which may harm MedMoneyGuide or users of the Site.
- Vulnerability Scanning: Attempting to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Site or the server on which the Site is stored.
- Misrepresentation: impersonating or attempting to impersonate MedMoneyGuide, a MedMoneyGuide employee, another user, or any other person or entity.
7. Intellectual Property Rights
All content on the Site, including text, graphics, logos, icons, images, and software, is the property of MedMoneyGuide or its content suppliers and is protected by United States and international copyright laws. Unauthorized use of any MedMoneyGuide trademark, service mark, or logo is prohibited.
8. DMCA / Copyright Policy
If you believe that any material available on the Site infringes any copyright you own or control, you may send a written notification to our Copyright Agent at customersupport@medmoneyguide.com. Your notification must include the information required by the Digital Millennium Copyright Act (17 U.S.C. § 512).
9. Disclaimer of Warranties
THE SITE AND ALL CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. MEDMONEYGUIDE MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE SITE OR THE INFORMATION, CONTENT, MATERIALS, OR PRODUCTS INCLUDED ON THE SITE. TO THE FULL EXTENT PERMITTED BY APPLICABLE LAW, MEDMONEYGUIDE DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
10. Limitation of Liability
MEDMONEYGUIDE WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES, INCLUDING THOSE RESULTING FROM THE LOSS OF PROFITS, DATA, OR BUSINESS INTERRUPTION. UNDER NO CIRCUMSTANCES SHALL MEDMONEYGUIDE’S TOTAL LIABILITY TO YOU EXCEED THE AMOUNT PAID BY YOU TO MEDMONEYGUIDE IN THE TWELVE MONTHS PRECEDING THE CLAIM.
11. Dispute Resolution & Arbitration
Most disputes can be resolved quickly by contacting us at customersupport@medmoneyguide.com. If we are unable to resolve a dispute, you and MedMoneyGuide agree to resolve any claim or controversy through final and binding arbitration in accordance with the rules of the American Arbitration Association (AAA).
YOU AND MEDMONEYGUIDE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.
12. Governing Law
These Terms and your use of the Site are governed by and construed in accordance with the laws of the United States of America, without regard to its conflict of law principles.
13. Contact Information
If you have any questions or concerns regarding these Terms of Use, please contact us at:
MedMoneyGuide Support
customersupport@medmoneyguide.com