Privacy Policy

1. Who We Are

HealthShare Savings ("we," "us," or "our") operates the website located at https://www.healthsharesavings.com (the "Site"). We are an independent affiliate marketing and educational resource that provides information about health cost-sharing memberships. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our Site or contact us.

2. Information We Collect

We collect information you voluntarily provide to us when you fill out a contact form, request a rate comparison, or otherwise communicate with us. This may include:

• Personal identifiers: First name, last name, email address, phone number, and ZIP code.
• Health-related information: General information about your household size, age range, and current monthly health costs — used solely to provide relevant HealthShare information.
• Communications: Messages, questions, or other content you send us.

We also automatically collect certain technical information when you visit our Site, including:

• IP address and general geographic location
• Browser type and version
• Pages visited and time spent on each page
• Referring website or source
• Device type and operating system

3. SMS / Text Messaging Consent (A2P 10DLC)

Our SMS program operates in compliance with the Telephone Consumer Protection Act (TCPA), the CAN-SPAM Act, and the A2P 10DLC registration requirements established by major U.S. carriers.

4. How We Use Your Information

We use the information we collect for the following purposes:

• To respond to your inquiries and provide information about HealthShare membership options
• To send you rate comparisons and educational content you have requested
• To send SMS messages as described in Section 3 above, where you have provided consent
• To improve our Site content and user experience
• To comply with applicable laws and regulations
• To protect against fraud and unauthorized access
• To track affiliate referrals for commission purposes

5. Affiliate Disclosure

HealthShare Savings participates in affiliate marketing programs. When you click an enrollment link on our Site and subsequently join a HealthShare membership, we may receive a referral commission at no additional cost to you. This compensation does not influence our editorial content or the information we provide about HealthShare memberships.

We only promote HealthShare programs we believe offer genuine value to our visitors. All affiliate relationships are disclosed in accordance with the Federal Trade Commission (FTC) guidelines on endorsements and testimonials.

6. Information Sharing and Disclosure

We do not sell, rent, or trade your personal information to third parties. We may share your information in the following limited circumstances:

• Service providers: We use GoHighLevel (GHL) as our CRM and communications platform. Your information is stored and processed in accordance with GoHighLevel's privacy policy.
• HealthShare enrollment: If you click through to a HealthShare enrollment page, that organization's own privacy policy governs the information you provide during the enrollment process.
• Legal requirements: We may disclose your information if required by law, court order, or governmental authority.
• Business transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

7. Cookies and Tracking Technologies

Our Site uses cookies and similar tracking technologies to enhance your browsing experience and analyze Site traffic. We use:

• Essential cookies: Required for the Site to function properly.
• Analytics cookies: We use privacy-respecting analytics to understand how visitors use our Site. This data is aggregated and does not identify individual users.
• Affiliate tracking cookies: When you click an enrollment link, affiliate tracking cookies are set to ensure proper commission attribution.

You may disable cookies through your browser settings, though this may affect certain Site functionality.

8. Data Security

We implement reasonable administrative, technical, and physical security measures to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security of your information.

9. Your Rights and Choices

Depending on your location, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you.
• Correction: Request correction of inaccurate or incomplete information.
• Deletion: Request deletion of your personal information, subject to certain legal exceptions.
• Opt-out of SMS: Reply STOP to any text message or contact us directly.
• Opt-out of email: Click the unsubscribe link in any marketing email we send.

To exercise any of these rights, contact us at eric@whatishealthshare.com.

10. Children's Privacy

Our Site is not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe we have inadvertently collected information from a child under 13, please contact us immediately at eric@whatishealthshare.com and we will promptly delete such information.

11. Third-Party Links

Our Site contains links to third-party websites, including HealthShare enrollment pages. We are not responsible for the privacy practices of those websites. We encourage you to review the privacy policies of any third-party sites you visit through our links.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we make material changes, we will update the "Effective Date" at the top of this page. Your continued use of our Site after any changes constitutes your acceptance of the updated Privacy Policy.

13. Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us: