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Terms of Service

Last updated: September 12, 2026

These terms are written for physicians who will actually read them.

The important parts: we provide financial education tools, not personalized financial advice. You retain all rights to your data. You can export or delete it anytime. We can close accounts that violate our community standards — which are written plainly below and enforced consistently.

The rest is what lawyers require. We have tried to make it as readable as a clinical guideline.

These Terms of Service ("Terms") govern your use of the Attending Financial platform operated by Attending Financial LLC ("we," "our," or "us"). By creating an account or using the platform, you agree to these Terms.

1. Description of Service

  • Attending Financial is a physician financial planning platform providing financial education, planning tools, AI-powered insights, and account aggregation.
  • The platform is a financial education and planning tool. It is not a registered investment advisor, broker-dealer, or financial planning firm under applicable law.
  • Nothing on the platform constitutes personalized investment advice regarding specific securities, individualized tax advice, or legal advice.

2. Eligibility

  • You must be at least 18 years old to use the platform.
  • The platform is designed for physicians and physicians-in-training (residents, fellows, and medical students) in the United States. Use outside the United States is at your own risk.

3. Account Registration

  • You are responsible for maintaining the confidentiality of your account credentials.
  • You agree to provide accurate, current, and complete information during registration and to keep it updated.
  • You are responsible for all activity that occurs under your account.
  • Career visibility is off when you create an account and stays off until you change it in Settings.

4. Fees

  • Free for every member. No ads, commissions, referrals, or data sales. Every member feature — the education, the tools and the tracking — is free and stays free. We do not charge for membership, no payment method is on file for any account, and nothing on the platform bills automatically.
  • The platform is funded by its founder and by voluntary support. If it ever earns revenue, it will come from institutions (accredited CME credit, program administration), from research programs physicians opt into with consent, or from voluntary support — never from charging members for what is free today. Nothing that is free today becomes a charge.
  • Included allotments (AI advisor questions per month, contract reading guides per calendar year, connected accounts) are listed with their current numbers on the What's included page at attendingfinancial.com/whats-included, which is part of these Terms by reference. Allotments limit usage; they are not charges, and exhausting one never results in a bill.
  • Support contributions are voluntary, unlock nothing, and are refundable on request within 30 days by email to jshafer@attendingfinancial.com.

5. AI Features and Financial Content

  • The AI advisor provides financial education and planning information based on your profile. It is not a licensed financial advisor.
  • AI responses are for informational and educational purposes only. They do not constitute personalized investment, tax, or legal advice.
  • You should consult qualified professionals before making major financial decisions.
  • Financial information on the platform, including contribution limits, tax rates, and planning strategies, is based on publicly available information and may not be current. Verify important details with qualified professionals.

6. Financial Account Connectivity (Plaid)

  • If you connect financial accounts via Plaid, you authorize Plaid to access your financial data on your behalf.
  • If you connect accounts via Plaid, you authorize Plaid's read-only Transactions, Liabilities and Investments products, which is the consent Plaid shows you. From that access we retrieve account balances, loan balances, and investment-account transactions (used only to count your retirement contributions). We do not retrieve or store your day-to-day spending transactions, and we never store your banking credentials.
  • We cannot initiate transactions or move money.
  • You may disconnect financial accounts at any time from Settings.

7. Contract Reading Guide Service

  • AI contract reading guides are an educational service that provide clause-by-clause summaries of employment contract terms.
  • Contract reading guide outputs are not legal advice and do not create an attorney-client relationship.
  • Contract reading guides are included in your membership as an allotment per calendar year (reset January 1) shown on the What's included page; they are not sold separately, and there is no charge for them.

7a. Your Data

  • Your data is governed by the Privacy Policy and, for contributed compensation figures, the Data Use policy, both incorporated by reference. We do not sell your data. Our AI provider does not train on it. When you delete your account, identifiers are removed immediately and the remaining security trail is deleted after 90 days.

8. Prohibited Uses

  • You may not use the platform to violate any law or regulation.
  • You may not attempt to access accounts or data belonging to other users.
  • You may not reverse-engineer, scrape, or reproduce the platform or its AI outputs at scale.
  • You may not use the platform to provide financial advice to third parties for compensation.

9. Intellectual Property

  • The platform, including its AI models, insights engine, design, and content, is the property of Attending Financial LLC.
  • Your financial data remains yours. We do not claim any ownership over data you provide to the platform.

10. Disclaimers

  • THE PLATFORM IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.
  • WE DO NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT AI OUTPUTS WILL BE ACCURATE OR COMPLETE.
  • FINANCIAL MARKETS AND TAX LAW CHANGE FREQUENTLY. INFORMATION ON THE PLATFORM MAY NOT REFLECT THE MOST CURRENT RULES.

11. Limitation of Liability

  • TO THE MAXIMUM EXTENT PERMITTED BY LAW, ATTENDING FINANCIAL LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE PLATFORM.
  • OUR TOTAL LIABILITY FOR ANY CLAIM SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100) OR, IF YOU MADE A VOLUNTARY SUPPORT CONTRIBUTION, THE AMOUNT CONTRIBUTED IN THE 12 MONTHS PRECEDING THE CLAIM, WHICHEVER IS GREATER.

12. Governing Law

  • These Terms are governed by the laws of the State of Indiana, without regard to its conflict of law principles.
  • Any disputes shall be resolved in the state or federal courts located in Indiana.

13. Changes to Terms

  • We may update these Terms from time to time. We will notify you of material changes via email or a notice on the platform.
  • Continued use of the platform after changes take effect constitutes acceptance of the new Terms.

14. Assignment and successors

  • We may assign these Terms in connection with a merger, acquisition, or sale of substantially all of our assets, provided that: (a) the assignee is bound by these Terms and the Privacy Policy as in effect on the date of assignment with respect to all data collected before that date; (b) you are notified by email at least 30 days before the assignment takes effect; (c) during that period you may export your data and delete your account, and data belonging to an account deleted before the effective date is not assigned; (d) financial account connections established through Plaid are terminated on assignment; and (e) career-visibility preferences are assigned only for accounts whose setting is on at the effective date, together with the associated consent records.

15. Contact

  • Legal questions: legal@attendingfinancial.com
  • General: hello@attendingfinancial.com
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