Skip to searchSkip to main content
Physician Living
  • _csp_mastodon_social_@financeforphysicians

Terms of Use

Effective Date: December 10, 2025


Welcome to Physician Living. These Terms of Use govern your access to and use of the Physician Living website located at www.physicianliving.com, including all content, features, functionality, and services offered on or through the site (collectively, the "Website").


By accessing or using the Website, you agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to these terms, please do not use the Website.


1. Acceptance of Terms

By creating an account, browsing content, or otherwise using the Website, you acknowledge that you have read, understood, and agree to be bound by:

  • These Terms of Use
  • Our Privacy Policy
  • Our Disclaimer

These documents are incorporated by reference and form the complete agreement between you and Finance For Physicians LLC, DBA Physician Living ("Physician Living," "we," "us," or "our").


If you do not agree to these terms, you must immediately stop using the Website.


2. Eligibility

You must be at least 18 years old to use this Website. By using the Website, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into this agreement.


The Website is intended for use by residents of the United States. If you access the Website from outside the United States, you do so at your own risk and are responsible for compliance with local laws.


3. Account Registration and Security

Account Creation
To access certain features of the Website, you may need to create an account. When you create an account, you agree to:

  • Provide accurate, current, and complete information
  • Maintain and promptly update your account information
  • Keep your password secure and confidential
  • Notify us immediately of any unauthorized use of your account
  • Be responsible for all activities that occur under your account

Account Sharing Prohibited
Your account is personal to you. You may not share your account credentials with others or allow others to access your account. Each user must maintain their own individual account.


Account Termination
We reserve the right to suspend or terminate your account at any time, with or without notice, for any reason, including if we believe you have violated these Terms of Use.


You may delete your account at any time by contacting us at support@physicianliving.com.


4. User-Generated Content

Your Content
The Website may allow you to post, submit, or share content, including comments on blog posts, forum discussions, profile information, and other materials ("User Content"). By posting User Content, you represent and warrant that:

  • You own or have the necessary rights to post the content
  • Your content does not violate any third-party rights, including intellectual property, privacy, or publicity rights
  • Your content complies with these Terms of Use and applicable laws

License to Physician Living
By posting User Content, you grant Physician Living a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content in any media.


You retain all ownership rights to your User Content, but you grant us the right to use it as described above.


Content Standards
All User Content must comply with the following standards. User Content must not:

  • Contain hate speech, harassment, threats, or violent content
  • Be defamatory, obscene, pornographic, or sexually explicit
  • Promote illegal activities or violate any laws
  • Infringe on intellectual property rights or disclose confidential information without authorization
  • Contain false, misleading, or deceptive information
  • Violate the privacy or publicity rights of others
  • Contain spam, advertising, or promotional content (unless authorized by us)
  • Contain viruses, malware, or other harmful code
  • Impersonate any person or entity or misrepresent your affiliation

Monitoring and Enforcement
We do not pre-screen User Content, but we reserve the right to:

  • Monitor, review, and remove any User Content at our discretion
  • Investigate violations and take appropriate action
  • Suspend or terminate accounts that violate these Terms
  • Cooperate with law enforcement or legal proceedings

We are not responsible for User Content and do not endorse any opinions, advice, or statements made by users.


5. Intellectual Property Rights

Our Content
The Website and its content—including text, graphics, images, logos, videos, software, and other materials (collectively, "Our Content")—are owned by or licensed to Physician Living and are protected by copyright, trademark, and other intellectual property laws.


Our Content is provided for your personal, non-commercial use only. Unless otherwise stated, you may not:

  • Copy, reproduce, modify, or create derivative works from Our Content
  • Distribute, transmit, display, or perform Our Content publicly
  • Use Our Content for commercial purposes
  • Remove or alter copyright, trademark, or other proprietary notices
  • Use automated systems (bots, scrapers, crawlers) to access or collect Our Content

Limited License
We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Website for personal, educational, and non-commercial purposes, in accordance with these Terms of Use.


Trademarks
"Physician Living," our logo, and other marks used on the Website are trademarks of Finance For Physicians LLC. You may not use our trademarks without our prior written permission.


6. Copyright Infringement and DMCA Policy

We respect the intellectual property rights of others and expect our users to do the same. If you believe that content on our Website infringes your copyright, please notify us in accordance with the Digital Millennium Copyright Act (DMCA).


DMCA Takedown Notice
To file a DMCA takedown notice, please provide the following information to our designated Copyright Agent:

  • Your physical or electronic signature
  • Identification of the copyrighted work claimed to be infringed
  • Identification of the material that is claimed to be infringing, with sufficient detail for us to locate it on the Website
  • Your contact information (address, telephone number, and email address)
  • A statement that you have a good faith belief that the use is not authorized by the copyright owner
  • A statement, under penalty of perjury, that the information in your notice is accurate and that you are authorized to act on behalf of the copyright owner

Copyright Agent Contact:
Email: support@physicianliving.com
Subject Line: DMCA Takedown Notice


Counter-Notice
If you believe that content you posted was removed in error, you may file a counter-notice with the same contact information.


Repeat Infringer Policy
We will terminate accounts of users who are repeat copyright infringers.


7. Prohibited Activities

You agree not to engage in any of the following prohibited activities:


Illegal or Harmful Activities

  • Use the Website for any illegal purpose or in violation of any local, state, national, or international law
  • Engage in conduct that is harmful, threatening, abusive, harassing, defamatory, or otherwise objectionable
  • Impersonate any person or entity or falsely state or misrepresent your affiliation with any person or entity

Technical Restrictions

  • Use automated systems, software, or tools (including bots, scrapers, spiders, or crawlers) to access, monitor, or copy any part of the Website without our written permission
  • Attempt to gain unauthorized access to the Website, user accounts, computer systems, or networks through hacking, password mining, or any other means
  • Interfere with or disrupt the Website, servers, or networks connected to the Website
  • Introduce viruses, malware, trojan horses, worms, or other malicious code
  • Bypass, circumvent, or attempt to bypass or circumvent any security features or access restrictions
  • Use any data mining, robots, or similar data gathering or extraction methods

AI and Data Scraping

  • Use AI models, machine learning systems, or automated tools to scrape, collect, or train on Our Content without express written permission
  • Use Our Content to train language models, chatbots, or other AI systems
  • Republish or redistribute Our Content in bulk through automated means

Abuse of Services

  • Misuse any part of the Website in ways that impair functionality or degrade the user experience for others
  • Create multiple accounts to evade bans or restrictions
  • Share your account credentials or allow unauthorized access to your account
  • Engage in spamming, phishing, or other deceptive practices

Violation of these prohibitions may result in immediate termination of your access to the Website and potential legal action.


8. Third-Party Links, Advertisements, and Direct Communication

The Website may contain links to third-party websites, services, or resources, as well as advertisements served by third-party networks (including, but not limited to, Google AdSense and Doceree).

  • Advertisements: We do not control the content of advertisements displayed on the Website. The appearance of an ad does not constitute an endorsement by Physician Living of the product, service, or company advertised. We are not responsible for the legality, accuracy, or quality of any products or services advertised by third parties.
  • External Links: When you click on a third-party link or advertisement, you leave our Website. You do so at your own risk. These third-party sites have their own terms and privacy policies, which we encourage you to review.
  • Direct Communication: We may provide direct contact links (such as email addresses) for independent professionals or partners. If you communicate directly with a third party (e.g., by clicking an email link that opens your email client), that communication occurs entirely off our platform. We are not responsible for any outcomes, data handling, or advice resulting from your direct communication with third parties.
  • Liability: We are not liable for any harm, damages, or losses related to your purchase or use of goods, services, resources, or content available through any third-party websites, advertisements, or direct communications.

9. Disclaimers and Limitations of Liability

No Warranties
THE WEBSITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

  • Warranties of merchantability, fitness for a particular purpose, or non-infringement
  • Warranties that the Website will be uninterrupted, error-free, or secure
  • Warranties regarding the accuracy, reliability, or completeness of any content
  • Warranties regarding the accuracy, safety, or quality of any products or services advertised on the Website by third-party advertisers.

Educational Content Disclaimer
As stated in our Disclaimer, all content on this Website is for educational purposes only and does not constitute professional advice. We are not liable for any decisions or actions you take based on information from this Website.


By using this Website, you acknowledge that you have read and agree to our full Disclaimer, which is incorporated into these Terms of Use.


Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, PHYSICIAN LIVING, ITS FOUNDERS, EMPLOYEES, CONTRACTORS, AMBASSADORS, PARTNERS, AND AFFILIATES SHALL NOT BE LIABLE FOR:

  • Any indirect, incidental, special, consequential, or punitive damages
  • Loss of profits, revenue, data, or use
  • Business interruption or loss of business opportunities
  • Any damages arising from your use of or inability to use the Website
  • Any damages arising from User Content, third-party content, or advertisements
  • Any damages arising from unauthorized access to your account or data

This limitation applies regardless of the legal theory (contract, tort, negligence, strict liability, or otherwise) and even if we have been advised of the possibility of such damages.


IN JURISDICTIONS THAT DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, OUR LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.


Maximum Liability
In no event shall our total liability to you for all claims arising from or related to the Website exceed the amount you paid us (if any) in the twelve (12) months preceding the claim, or $100, whichever is greater.


10. Indemnification

You agree to indemnify, defend, and hold harmless Physician Living, its founders, employees, contractors, ambassadors, partners, and affiliates from and against any claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from:

  • Your use of the Website
  • Your violation of these Terms of Use
  • Your violation of any rights of another person or entity
  • Your User Content
  • Your violation of any applicable laws or regulations

We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate with our defense of such claims.


11. Dispute Resolution and Governing Law

Governing Law
These Terms of Use and any disputes arising from or related to the Website shall be governed by and construed in accordance with the laws of the State of Illinois, without regard to its conflict of law principles.


Arbitration Agreement
You and Physician Living agree that any dispute, claim, or controversy arising out of or relating to these Terms of Use or the Website (collectively, "Disputes") will be resolved by binding arbitration, except that either party may seek injunctive or other equitable relief in court to prevent infringement or misappropriation of intellectual property rights.


By agreeing to these Terms, you waive your right to have Disputes resolved in court by a judge or jury.


Arbitration Procedures
Arbitration shall be conducted by the American Arbitration Association (AAA) under its Consumer Arbitration Rules then in effect. The arbitration shall take place in Illinois or another mutually agreed location. The arbitrator's decision shall be final and binding, and judgment on the award may be entered in any court having jurisdiction.


Class Action Waiver
YOU AND PHYSICIAN LIVING AGREE THAT DISPUTES WILL BE RESOLVED ON AN INDIVIDUAL BASIS ONLY, AND NOT AS A CLASS ACTION, CLASS ARBITRATION, OR ANY OTHER REPRESENTATIVE PROCEEDING.


You and Physician Living agree to waive the right to participate in a class action, class arbitration, or any other representative proceeding. This waiver applies even if the arbitration rules or procedures would otherwise permit class or representative proceedings.


If any court or arbitrator determines that the class action waiver is void or unenforceable for any reason, or that arbitration can proceed on a class basis, then the arbitration provision shall be deemed null and void, and the parties agree to resolve Disputes in court.


Exceptions to Arbitration
Notwithstanding the above, either party may bring an individual action in small claims court if the claim qualifies.


Opt-Out Right
You have the right to opt out of this arbitration agreement by sending written notice of your decision to opt out to support@physicianliving.com within thirty (30) days of first accepting these Terms. If you opt out, all other terms of these Terms of Use will continue to apply, and Disputes will be resolved in court.


12. Changes to These Terms of Use

We reserve the right to modify, update, or replace these Terms of Use at any time at our sole discretion.
When we make material changes, we will:

  • Update the "Effective Date" at the top of this page
  • Notify you by email (if you have an account with us) or by posting a notice on the Website
  • Provide you with an opportunity to review the updated terms

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


We encourage you to review these Terms of Use periodically to stay informed of any updates.


13. Termination

Termination by Us
We reserve the right to suspend or terminate your access to the Website at any time, with or without notice, for any reason, including but not limited to:

  • Violation of these Terms of Use
  • Fraudulent, abusive, or illegal activity
  • Extended periods of inactivity
  • At our sole discretion for any other reason

Termination by You
You may terminate your account at any time by contacting us at support@physicianliving.com or through your account settings (if available).


Effect of Termination
Upon termination:

  • Your right to access and use the Website will immediately cease
  • We may delete your account and User Content
  • Sections of these Terms that by their nature should survive termination will continue to apply (including intellectual property rights, disclaimers, limitations of liability, indemnification, and dispute resolution)

14. General Provisions

Entire Agreement
These Terms of Use, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and Physician Living regarding your use of the Website and supersede any prior agreements.


Severability
If any provision of these Terms of Use is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect, and the invalid provision will be modified to the minimum extent necessary to make it valid and enforceable.


Waiver
Our failure to enforce any right or provision of these Terms of Use will not be deemed a waiver of such right or provision.


Assignment
You may not assign or transfer these Terms of Use or your rights under them without our prior written consent. We may assign or transfer these Terms without restriction.


No Agency
Nothing in these Terms creates any agency, partnership, joint venture, or employment relationship between you and Physician Living.


15. Contact Us

If you have questions, concerns, or feedback about these Terms of Use, please contact us:


We will respond to your inquiry within a reasonable timeframe.