Terms

1. Agreement to these Terms

These Terms of Use (the "Terms") are an agreement between you and Financial Fellowship, operated by Financial Fellowship LLC ("Financial Fellowship," "we," "us," or "our"). They govern your use of financialfellowship.com (the "Site"), the Financial Fellowship podcast and related content, our email list, and any question, voice message, or Financial Health Assessment you submit to us (together, the "Service").

By using the Site, subscribing to our email list, or submitting anything to us, you agree to these Terms; to our Privacy Policy, our Disclaimer, and our Affiliate Disclosure, each of which is incorporated into these Terms by reference; and to any additional notice presented where you submit information, for example on the voice message widget or the Financial Health Assessment form. If you do not agree, do not use the Service and do not submit anything to us.

2. Eligibility

The Service is intended for adults. You may use the Service, and you may submit a question, a voice message, or a Financial Health Assessment, only if you are at least 18 years old. The Service is not directed to children under 13, and we do not knowingly collect information from them.

3. The Service

Financial Fellowship publishes a podcast and related written and audio content for physicians about personal finance, together with the Site, an email list, a way to submit questions for possible answer on the show, and a way to submit a summary of your household finances for possible discussion on the show (the "Financial Health Assessment"). All of these are currently offered free of charge. We may change, suspend, or discontinue any part of the Service, including any publication schedule, at any time without notice.

"Unlocked" is a planned offering that is not currently available. Joining the Unlocked waitlist is not a purchase, does not reserve anything, and creates no obligation on either side. Any future offering will be governed by its own terms, which we will present before you buy or enroll.

4. Submissions: questions, voice messages, and Financial Health Assessments

4.1 Ownership

You retain ownership of anything you submit to us, including the text of a question, a voice recording, and the contents of a Financial Health Assessment (each, a "Submission").

4.2 License to Financial Fellowship

By making a Submission, you grant Financial Fellowship a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, transferable, and sublicensable license to use, reproduce, store, edit, adapt, excerpt, translate, anonymize, combine with other material (including in composite form), publish, perform, display, distribute, and promote the Submission, in whole or in part, in any media now known or later developed, including in podcast episodes, audio and video clips, written content, social media, email, and promotion for the show. This license includes the right to have a host or contributor read a written Submission aloud. The license is perpetual and irrevocable because published episodes are copied to podcast apps and to listeners' devices that we do not control. We are under no obligation to use any Submission.

4.3 Your representations

For each Submission, you represent and warrant that:

(a) you are at least 18 years old;

(b) the Submission is your own account of your own circumstances, or you otherwise have the authority to share it;

(c) if the Submission describes the finances of a household, spouse, partner, or other person, you have that person's permission to share the information for possible use on the show;

(d) the Submission does not include information you are obligated to keep confidential, including information about any patient;

(e) the Submission does not defame anyone, does not violate anyone's privacy or publicity rights, and does not violate any law; and

(f) where the Financial Health Assessment form instructs, you have used made up names for yourself and others, limited your location to a general region, and rounded or altered any figure that could identify you.

4.4 Anonymity is a best effort, not a guarantee

If we use a Submission on the show, we will not state your legal name, we will refer to your location only in general terms, and we may change or round facts that could identify you. Even so, your voice, your specialty, your employer, or an unusual combination of facts may allow people who know you to recognize you. You accept that risk when you make a Submission. If you want your legal name, your employer, or another identifying detail used, you must ask us in writing and we must agree in writing.

4.5 Prohibited Submissions

Do not submit:

(a) Social Security numbers, financial account numbers, passwords, security codes, or other access credentials;

(b) tax returns, pay stubs, or insurance policy documents;

(c) medical records, diagnoses, or other health information about anyone, or information about any patient;

(d) the real names of children, or any other information identifying a child;

(e) private financial, health, or personal information about another person without that person's permission;

(f) statements that are false or defamatory about any identifiable person or organization;

(g) material that infringes anyone's copyright, trademark, or other rights; or

(h) anything unlawful, threatening, or harassing.

We may delete prohibited material without notice and may decline the Submission.

4.6 Review, editing, and withdrawal

We review Submissions privately before deciding whether to use them. We may edit a Submission for length, clarity, and anonymization, and we may decline to use it. You may withdraw a Submission by emailing ryan@financialfellowship.com at any time before the related episode is published, and we will not use it. After publication, we will remove content from the distribution we control on request where we reasonably can, but we cannot recall copies already delivered to podcast apps, search engines, or listeners.

4.7 Publicity and moral rights

To the extent permitted by law, you consent to the use of your voice and of the anonymized facts of your Submission as described in these Terms, and you waive any claim under rights of publicity, rights of privacy, or moral rights with respect to that anonymized use. We will not use your legal name or an identifiable likeness in promotion without a separate written release from you.

4.8 Recorded follow-up

If we contact you about a Submission and propose to record the conversation, we will tell you at the start of the recording and ask for your consent. If you do not consent, we will not record.

5. Intellectual property and acceptable use

The show, its episodes, scripts, artwork, names, logos, text, and the design of the Site are owned by Financial Fellowship or its licensors and are protected by copyright, trademark, and other laws. You may listen to and view the content, share links to it, and make personal, non-commercial use of it. You may not copy, republish, redistribute, transcribe for publication, or create derivative works from the content, or use our names or logos, without our prior written permission, except as permitted by applicable law. You may not use the Site in a way that interferes with its operation, that attempts to gain unauthorized access to any system or data, or that scrapes or harvests information about other users. Nothing in these Terms transfers any ownership of our content to you.

6. Feedback

If you send us ideas, suggestions, or feedback about the Service, including about Unlocked, you agree that we may use them without restriction or compensation to you, and that you will not assert any claim based on our use of them.

7. Third-party services

The Service relies on services provided by other companies, including the companies that host the Site, send our email, provide the voice message widget, host our forms, and distribute the podcast. When you use an embedded form, widget, or player, or listen through a podcast app, that company's terms and privacy policy also apply to you. We are not responsible for those companies' services.

8. Affiliate links and sponsors

Some links on the Site, including on any Recommended page we publish and in show notes, may be paid links: if you click one and buy or sign up, Financial Fellowship may earn a commission. We identify paid links where they appear and explain our practices in our Affiliate Disclosure. We do not sell the products behind those links, we are not the agent of any affiliate partner, and the partner's terms and privacy policy apply once you leave the Site. Sponsors, if we have them, will be identified in the episode and in the show notes.

9. Disclaimer incorporated by reference

Our Disclaimer, available at financialfellowship.com/disclaimer, is part of these Terms.

10. No warranties

The Service and all content are provided "as is" and "as available." To the fullest extent permitted by law, Financial Fellowship disclaims all warranties, express or implied, including implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the content is accurate, complete, or current; that the Service will be uninterrupted, secure, or error-free; or that any result will follow from your use of the Service.

11. Limitation of liability

To the fullest extent permitted by law:

(a) Financial Fellowship, its owners, hosts, contributors, and vendors will not be liable to you for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, savings, investment value, data, or goodwill, arising out of or relating to the Service, these Terms, or any content, even if advised of the possibility of such damages; and

(b) the total liability of Financial Fellowship and the persons listed above for all claims arising out of or relating to the Service or these Terms will not exceed the greater of (i) $100 and (ii) the amount you paid to Financial Fellowship in the 12 months before the claim arose.

Some states, including California, do not allow the exclusion of certain warranties or the limitation of certain damages. If those laws apply to you, some of the exclusions and limitations above may not apply to you, and you may have additional rights. Nothing in these Terms limits liability that cannot be limited under applicable law.

12. Indemnification

You agree to defend, indemnify, and hold harmless Financial Fellowship and its owners, hosts, and contributors from and against any claim, demand, loss, liability, and expense (including reasonable attorneys' fees) arising out of or relating to (a) a Submission you make, including any claim that the Submission violates another person's rights or that you lacked the permission described in section 4.3; (b) your breach of these Terms; or (c) your violation of any law or of the rights of any third party.

13. Refusal, removal, and termination

We may refuse, edit, or remove any Submission and may decline to publish anything, for any reason or for no reason. We may suspend or end your access to the Site or the email list, or terminate these Terms as to you, at any time, including if you breach them. Sections 4.2, 4.3, 4.7, 5, 6, and 9 through 12 survive termination.

14. Changes to these Terms

We may revise these Terms from time to time. We will post the revised Terms on the Site with a new effective date. Revised Terms apply to your use of the Service and to Submissions made after the effective date. The license in section 4.2 for a Submission is governed by the Terms in effect when you made it.

15. Contact

Financial Fellowship LLC

Questions about these Terms: ryan@financialfellowship.com