1. Acceptance of Terms
By accessing or using Physician Business Hub ("the Site"), you agree to be bound by these Terms of Service. If you do not agree, do not use the Site.
2. No Professional Advice
The tools, calculators, articles, and resources on this Site are provided for informational and educational purposes only. They do not constitute financial, legal, accounting, tax, or medical advice. You should consult qualified professionals for advice specific to your situation. The financial projections and calculations generated by our tools are estimates only and should not be relied upon as definitive financial statements.
3. No Warranty
The Site and all content are provided "as is" without warranty of any kind, express or implied. We make no guarantees regarding the accuracy, completeness, or reliability of any content, calculations, or tools. We disclaim all liability for any loss or damage arising from your use of the Site.
4. Limitation of Liability
Physician Business Hub, its operators, contributors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your access to or use of the Site. This includes, but is not limited to, financial losses based on calculator outputs, decisions made using our content, or reliance on any tool-generated data.
5. User Responsibility
You are solely responsible for any decisions you make based on information from this Site. Calculators are simplified models and may not capture all variables relevant to your specific situation. Always verify results with a qualified professional before making business or financial decisions.
6. Intellectual Property
All content, including articles, guides, infographics, tool designs, and code, is the property of Physician Business Hub unless otherwise noted. You may download and print content for personal, non-commercial use. Commercial use, republication, or redistribution without written permission is prohibited.
7. Affiliate Links
This Site does not currently contain affiliate links or sponsored content. See our Disclosure page for details on our editorial policies.
8. Third-Party Links
The Site may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of those sites.
9. Changes to Terms
We reserve the right to modify these Terms at any time. Changes are effective immediately upon posting. Continued use of the Site after changes constitutes acceptance of the new Terms.
10. Contact
For questions about these Terms, contact us through our Contact page.