Effective date: July 19, 2026
These Terms of Use govern your access to and use of The Income Variable website, including its articles, specialty-exposure map, calculators, downloads, email communications, and other resources collectively referred to as the “Site.”
By accessing or using the Site, you agree to these Terms. If you do not agree, do not use the Site.
The Site provides general educational and informational content concerning personal finance, career decisions, artificial intelligence, healthcare economics, and related subjects.
Nothing on the Site constitutes individualized financial, investment, tax, accounting, legal, employment, career, or medical advice. Content should not be used as a substitute for advice from appropriately qualified professionals who understand your individual circumstances.
Your use of the Site does not create a physician-patient, financial adviser-client, attorney-client, fiduciary, consulting, or other professional relationship with The Income Variable or its author.
The Site’s calculators, specialty-exposure scores, projections, comparisons, and interactive tools are educational models. Their results depend on assumptions, estimates, user-provided information, public data, and methodologies that may be incomplete, uncertain, or subject to change.
Results are not predictions, guarantees, appraisals, valuations, or recommendations. Actual financial, professional, regulatory, reimbursement, employment, and market outcomes may differ materially.
You are responsible for checking inputs, assumptions, and results and for obtaining professional advice before making significant financial, investment, career, business, tax, legal, or employment decisions.
We make reasonable efforts to provide useful and accurate information, but we do not guarantee that Site content is complete, current, accurate, error-free, or appropriate for any particular purpose.
References to laws, regulations, tax rules, reimbursement policies, market conditions, technology, artificial intelligence, or professional practices may become outdated. We have no obligation to update previously published material.
You may access and use the Site for your personal, noncommercial, educational purposes.
Unless otherwise permitted by law or authorized in writing, you may not:
Reproduce, republish, sell, license, or commercially distribute substantial portions of the Site.
Copy or repurpose the Site’s proprietary scoring frameworks, calculator logic, data compilations, or downloadable resources.
Remove copyright, trademark, attribution, or other proprietary notices.
Misrepresent Site content or results as professional advice or guaranteed outcomes.
Attempt to gain unauthorized access to the Site or interfere with its operation.
Use automated systems in a manner that circumvents access controls, violates published technical instructions, or places an unreasonable burden on the Site.
Use the Site for unlawful, fraudulent, misleading, or harmful activity.
Reasonable quotation, commentary, and citation remain subject to applicable fair-use and other legal principles.
The Site and its original content, organization, branding, methodologies, calculator designs, scoring systems, text, and other materials are owned by or licensed to The Income Variable to the extent protected by applicable law.
“The Income Variable” and associated branding may not be used in a manner that falsely suggests endorsement, sponsorship, partnership, or affiliation.
No ownership rights are transferred to you through your use of the Site.
If you subscribe through one of our forms, you agree to receive the communications described with that form, such as access links, book updates, tool updates, or related educational material.
You may unsubscribe from marketing communications at any time using the unsubscribe link included in an email. Unsubscribing does not necessarily prevent delivery of messages required to fulfill a request you initiated.
Our collection and use of personal information is governed by our Privacy Policy.
The Site may link to or use services operated by third parties, including website-hosting, email, analytics, publishing, retail, and information providers.
We do not control and are not responsible for third-party websites, products, availability, security, content, privacy practices, or terms. A link or reference does not necessarily constitute an endorsement.
Your interactions with third parties are governed by their respective terms and policies.
The Site may discuss companies, products, services, investments, or technologies. Any applicable financial interests, affiliate relationships, sponsorships, or other material relationships will be disclosed where appropriate.
Additional information appears on our Disclaimers page.
You remain solely responsible for your decisions and actions. You agree that you will not rely exclusively on the Site when making consequential financial, investment, tax, legal, employment, career, business, or healthcare decisions.
You assume the risks associated with using information or results obtained through the Site.
To the fullest extent permitted by law, the Site is provided “as is” and “as available,” without warranties of any kind, whether express, implied, or statutory.
We disclaim implied warranties of merchantability, fitness for a particular purpose, title, noninfringement, accuracy, and uninterrupted availability. We do not warrant that the Site will be secure or free from errors, viruses, or other harmful components.
Some jurisdictions do not permit certain warranty exclusions, so portions of this section may not apply to you.
To the fullest extent permitted by law, The Income Variable and its author, contributors, contractors, and service providers will not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages, or for lost income, profits, opportunities, data, goodwill, or business, arising from or connected with your use of—or inability to use—the Site.
To the fullest extent permitted by law, total liability for claims arising from the Site will not exceed the greater of the amount you paid specifically for the applicable Site service during the preceding twelve months or $100.
These limitations do not apply to liability that cannot lawfully be excluded or limited.
We may change, suspend, restrict, or discontinue any portion of the Site at any time. We may also revise these Terms by posting an updated version and changing the effective date.
Your continued use of the Site after revised Terms become effective constitutes acceptance of those revised Terms.
These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law principles.
Any dispute that is not resolved informally will be brought in a court of competent jurisdiction, subject to applicable laws governing jurisdiction and venue.
If any provision of these Terms is found unenforceable, the remaining provisions will remain in effect. Failure to enforce a provision does not waive the right to enforce it later.
These Terms, together with the Privacy Policy and Disclaimers, constitute the agreement governing your use of the Site and supersede prior communications concerning that use.
Questions concerning these Terms may be sent to:
