Disclosure, Disclaimer & Privacy

Acceptance of Terms

Through the use of this site, you are hereby accepting the terms and conditions stipulated within this page, including but not limited to the Disclaimer, Disclosure, Privacy Policy and agreement. If you disagree with our terms or conditions, then you should refrain from use of the site (and its related pages). In addition, your continued use of our website following the posting of any updates, modifications, or changes to our terms and conditions shall mean that you are in agreement and acceptance of such changes.


This site provides me income. I anticipate it will continue to be substantially less than I make as a physician.

This site may participate in affiliate and other advertising relationships with merchants that earn fees or commissions for the site without incurring additional cost to the reader.

I may earn something when you click a link or purchase a product mentioned on the site.

I will disclose pertinent conflicts of interest.


I trained as a physician. Having a heart attack or stroke? Involved in a major trauma? Been using meth for a year and decided that, at 3AM on a Saturday night, you really ought to have that ingrown toenail checked out? I’m your guy.

I freely express my opinions, but in the end I’m just some dude on the internet. My financial education has come from books, blogs and the school of hard knocks.

I Am Not A Financial or Legal Professional

I am a

  • physician who also loves to geek out over topics in personal finance
  • lover, not a fighter

I am not a(n)

  • financial planner
  • accountant
  • investment adviser
  • broker
  • attorney

The writing on this site is intended to educate and empower. I do not guarantee accuracy of research.

I Am Not A Substitute For An Accountant, Attorney, or Certified Financial Planner

Do not mistake my advice for professional advice. Readers should perform adequate research and due diligence prior to making any decision affecting finances or career. What you read on this site requires you to exercise independent judgment. Adopt advice or strategies on this site at your own risk. Should you require professional help, seek out an appropriately trained and credentialed professional such as a CPA, CFP or attorney.

This site and its authors, owners or affiliates assume no liability with regard to financial results, legal results, or tax consequences based on the use of the information provided here.

No Investment Advice

I share investing strategies that work for me. These strategies may not work for you. Please understand past performance cannot guarantee future results.

Views Expressed

This site expresses views that are mine alone (or, occasionally, those of a guest writer). They are not representative of my employer, my co-workers, my religious group affiliation, my neighbor across the street, nor his dachshund.

Advertisers, reader comments, and linked sites are solely responsible for their views and content; they do not necessarily represent the views of the site.

Errors And Omissions

As a human, I will inevitably make mistakes. I cannot assume responsibility for errors or omissions of any information on this site. I do not guarantee accuracy, completeness, timeliness nor utility. Information is provided “as-is.” If you notice an error, kindly email me and I’ll correct it as appropriate.

Fair Use

This site may contain copyrighted material used within the guidelines of “fair use” policy.

Click for additional information regarding “fair use” policy in U.S. Code Section § 107 – Limitations on exclusive rights: Fair use.


All information contained on this site is protected under copyright law.

Privacy Policy

Who we are

My website address is: https://crispydoc.com

I help physicians and other high-income professionals who feel burnt out from demanding careers develop mastery of personal finance as a tool to regain control of their time.

I’m not a stalker, and I have no evil master plan, but in our age of technology, data gets collected. Cookies get installed – not the kind that make you happy and chubby.

When you comment, sign up for newsletters or promotions, or visit other pages from this one, you may be providing personal data. If you change your mind and ask to unsubscribe, I’ll honor your request (or delegate the task) as quickly as I can.

Since I am learning to use analytics from a company that may rhyme with frugal, data collected may include but not be limited to: what websites referred you to this site, the pages you visit on leaving this site, your internet service provider, etc. It’s collected in a manner that avoid personal identifiers. I’ll use it to see what appeals to readers and learn from what doesn’t, so I can produce content readers find useful and fun.

What personal data we collect and why we collect it

Log Files

 A log file can contain information including the ISP (internet service provider) you use, your IP (internet protocol) address, your internet browser, what pages you visited, and the amount of time you spent on each page.


This gets a bit technical, so bear with me. Collected data includes:

  • Comments
  • IP address and browser user agent string to detect spam
  • An anonymized string created from your email address may be provided to the Gravatar service (Gravatar privacy policy is here.). Your Gravatar profile picture may be visible to the public in the context of your approved comments.


If you comment on this site you have the option of saving your name, email address and website in cookies. This spares you from having to re-enter these details on subsequent comments.

Embedded content from other websites

Sometimes posts on this site embed content such as videos or images from external websites. Embedded content from other sites behaves as if you visited the external site. The external sites can:

  • collect your data
  • use cookies
  • embed additional third-party tracking
  • monitor how you interact with embedded content
  • trace your interactions with embedded content if you have an account with the external site and are logged into that external site

This site is not the other sites’ nanny, and as such, cannot accept responsibility for those sites’ unsavory privacy policies or other shady practices. This site’s policy does not apply when you click out, so think twice before you click over to something sketchy. If there’s a way to track something, there’s a reasonable chance Big Brother is tracking it (he’s sneaky like that).

Whom we share your data with

Nobody. I won’t sell or distribute your information to third parties.

How long we retain your data

Comments and metadata are retained indefinitely.

Where we send your data

Visitor comments may be checked through akismet, an automated spam detection service. Akismet privacy policy here.

My contact information

You can contact me anytime at crispydocblog (at) gmail (dot) com

Business address:

Crispy Doc LLC

4470 W Sunset Blvd #91804

Los Angeles, CA 90027

How we protect your data

I don’t use your data for anything other than what Word Press does automatically. I only send you emails when you opt in and I have something worth sharing. I stop when you unsubscribe.

What data breach procedures we have in place

I keep Word Press security up to date to protect your data. Should a data breach occur you will be notified in accordance with federal and state regulations.

What third parties we receive data from


What automated decision making and/or profiling we do with user data


Industry regulatory disclosure requirements

Nothing to disclose.


I use third party advertisers on this site (such as the shareaholic buttons) that may use cookies. This allows them to collect information including the ISP (internet service provider) you use, your IP (internet protocol) address, and your internet browser. They may collect information to target ads to you based on your geographic location or the sites you have visited recently.

Opting Out

You can change preferences in your browser or in security programs on your computer that allow you to turn off or disable cookies. This may affect your ability to login, comment on or otherwise navigate this website and others.

(Special thanks to Chief Mom Officer for generously allowing me to borrow from her disclaimer for my own.)