TERMS OF SERVICE

Last Updated: February 20, 2026

1. Acceptance of Terms: By accessing and using The Econ MD (“the website,” “we,” “us,” or “our”), including our newsletter, interactive models, and digital content, you agree to comply with and be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Educational Nature of Content (No Professional Advice): The Econ MD is an educational platform, not a professional advisory firm.

• No Financial Advice: The content provided in “The Models,” “The Briefing,” and “The Encyclopedia” is for informational and educational purposes only. It does not constitute professional financial, investment, tax, or legal advice. We are not a Registered Investment Advisor (RIA), broker-dealer, or tax professional.

• No Medical Advice: While the author is a physician, the content on this site is strictly related to the economics of medicine. Nothing on this website constitutes medical advice, diagnosis, or treatment.

• No Fiduciary Relationship: Your use of this website does not create a doctor-patient, attorney-client, or advisor-client relationship between you and The Econ MD.

3. Use of Financial Models and Tools: We provide interactive calculators, valuation models, and spreadsheets (”The Tools”) to assist with theoretical scenario planning. By using these tools, you acknowledge:

• Simulations Only: These tools are theoretical simulations based on generalized assumptions. They do not predict future market performance.

• User Responsibility: You are solely responsible for the inputs you enter and the decisions you make based on the outputs.

• No Guarantee of Accuracy: While we strive for institutional-grade precision, we do not guarantee the accuracy, completeness, or reliability of any calculation. Tax laws and market conditions change frequently; you should verify all outputs with a qualified CPA or financial planner.

4. Intellectual Property: The content, layout, design, data, databases, and graphics on this website are protected by United States intellectual property laws.

• Ownership: All content, including the text of “The Encyclopedia” and the architecture of “The Models,” is the property of The Econ MD.

• Limited License: You are granted a limited, non-exclusive, non-transferable license to access the content for your personal, non-commercial use. You may not reproduce, distribute, sell, or exploit our content for commercial purposes without our prior written consent.

5. User Conduct: You agree not to

• Use the website for any unlawful purpose.

• Attempt to reverse engineer any of the software or models contained on the website.

• Share your subscriber login credentials with non-subscribers to bypass our paywall or access controls.

6. Limitation of Liability: To the fullest extent permitted by law, The Econ MD shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from your use or inability to use the website, including but not limited to damages for loss of profits, goodwill, use, data, or other intangible losses.

• Investment Risk: All investments involve risk, including the loss of principal. You assume full responsibility for any investment decisions you make.

7. Third-Party Links and Services: Our website allows you to access content on third-party platforms (e.g., Substack). We are not responsible for the content, terms, or privacy policies of these third-party sites. Your dealings with any third-party found through our website are solely between you and such third-party.

8. Modifications to Terms: We reserve the right to modify these terms at any time. We will post the most current version of these terms on this page with a new “Last Updated” date. Your continued use of the website after any such changes constitutes your acceptance of the new Terms.

9. Governing Law: These terms shall be governed and construed in accordance with the laws of the United States. Any legal action or proceeding relating to your access to, or use of, the website shall be instituted in a federal or state court located within the United States.

10. Contact Information: If you have any questions about these terms, please contact us at: TheEconMD@gmail.com