Terms and Conditions

Acceptance of Terms

The UHSM services (Unite Health Share Ministries, UHSM Health Share, and We Share), including (without limitation) our websites and other interactive properties through which the services are delivered (collectively, the “Service(s)” or “Website”) are owned, operated and distributed by United Faith Ministries, Inc. (referred to as “UHSM” or “we” and through similar words such as “us,” “our,” etc.). By clicking on the submit button, by completing a contact form on this site or calling a number posted on this site, you represent that you are at least 18 years old and agree to our Privacy Policy and Terms of Use. 

Please read these terms and conditions of use carefully before using or obtaining any materials, information, products or services through this site. The following terms and conditions (the “Terms” or the “Agreement”) form a binding agreement between you and us.

By accessing, using or obtaining any content, data, materials, information, products or services through our websites (the “Website”), you agree to be bound by these terms and conditions (“Terms”). If you do not accept all of these terms, then you may not use the Website. We recommend you print out a copy of these terms and conditions for your future reference.

BY USING THE WEBSITE, YOU REPRESENT AND WARRANT THAT YOU ARE EITHER: (A) OF LEGAL AGE TO ENTER INTO THIS AGREEMENT AND YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS OF THIS AGREEMENT; OR (B) THE PARENT OR LEGAL GUARDIAN OF A CHILD UNDER THE LEGAL AGE TO ENTER INTO THIS AGREEMENT AND YOU AGREE TO BE BOUND BY THIS AGREEMENT ON BEHALF OF YOUR CHILD. If you are the parent or legal guardian of a child under the legal age necessary to enter into this Agreement, then, as used in this Agreement, “you,” “yourself,” “your,” and “user” means and refers to you on behalf of yourself and your child who is the user of the Website.

We reserve the right to refuse a user’s access to the Service for any reason, at our sole discretion. In addition, at our sole discretion, we may suspend or terminate a user’s account for any reason. Such termination of your account will result in your loss of access to the Website. We will not be liable for any decision to suspend, terminate or refuse service under any circumstances.

The Service is controlled and offered by us from our facilities in the United States of America. Those who access or use the Service from other jurisdictions do so at their own volition and are responsible for compliance with local law.

Our Services

We built this website to be an online resource for consumers seeking to make healthcare purchase decisions. We provide search, comparison and other tools to help consumers make smarter choices about their healthcare expenditures. Some of our visitors may, in addition to browsing through our website elect to ask us questions about the UHSM Services, or find a health share program that can address their needs.

We gather information from a variety of data sources including the government, nonprofit and leading commercial resources. You agree that UHSM is in no way responsible for the accuracy, timeliness or completeness of any information it may display or provide.

UHSM is not an insurance company and does not provide any of the products or services advertised on the Website[1]. We may provide Website users with the opportunity to submit requests for information on a wide variety of products and services offered by certain service providers (each such service provider, a “Service Provider”; each such request, a “Request”). Once you provide us with the information required on our form, we attempt to match you with Service Providers to help you acquire the type of product or service you are seeking. We are not an insurance carrier and do not act as an insurance agent or broker on the Website, and hence, we do not issue insurance contracts or bind coverage ourselves, nor do we endorse or recommend any particular Service Providers listed on the Website.

Visitors to the Service and Account Creation

You may be able to visit certain public sections of the Website without identifying yourself or providing personal information. In order to access some features of the Services, you are required to register with the Services and select a username and password (create an “Account”). By registering for an Account, you represent and warrant that all registration information you submit is truthful and accurate. You may not have more than one (1) Account without UHSM’s permission, and you must access the Service and non-public portions of the Website through your Account. The security and confidentiality of your Account username and password is your sole responsibility. You shall ensure that no unauthorized person shall have access to your Account, username, or password and shall immediately notify UHSM of any unauthorized access or use of which you become aware. You agree to bear all responsibility and liability for all actions under or through your Account as well as all fees and/or charges incurred from the use of your Account, whether authorized or unauthorized. You may update your Account by changing the Account settings. 

All of your information and data provided to UHSM in connection with registering for your Account (“Registration Data”) must be true, accurate, current, and complete at all times, and it is your responsibility to immediately update your Registration Data should any changes occur in order to keep it true, accurate, current, and complete. If you provide any information that is untrue, inaccurate, or incomplete, or if UHSM has reasonable grounds to suspect that such information is untrue, inaccurate, or incomplete, UHSM has the right to suspend or terminate your Account. If you are registering for Accounts of behalf of others (e.g., a child, family member, or other person), you warrant that the appropriate permissions and authorizations have been received prior to such registration.

Notwithstanding anything to the contrary, you hereby authorize UHSM and its affiliates, contractors and suppliers to use, copy, sublicense and disclose Registration Data (i) as part of providing the Services, (ii) if required by applicable law, where necessary to enforce these Terms and/or to protect any of UHSM’s or other parties’ legal rights, (iii) in an aggregated form which does not include your identifying information, and (iv) as permitted by UHSM’s Privacy Notice. You are solely responsible to obtain any necessary rights, authorizations and consents with respect to your Registration Data, including, without limitation, to grant the foregoing rights to UHSM and its affiliates, contractors and suppliers. If you provide UHSM your email address, you hereby consent to and authorize UHSM to (a) send notices regarding the Services to such email address, instead of notice by other means such as mail, and (b) send other messages to such email address, such as changes to features of the Services and special offers (collectively, “Other Messages”). If you do not want to receive Other Messages, you may opt out. Opting out of receiving Other Messages may prevent you from receiving email messages regarding updates, changes to the Services or offers.

Our Content

We provide the content appearing on the Website (the “Website Content”) solely for your convenience and informational purposes, and such Website Content (i) is not intended as a substitute for professional or financial advice; (ii) should not be construed as the provision of professional advice or recommendations; and (iii) should not be relied upon as the basis for any decision or action, including without limitation the diagnosis or treatment of any health problem, the eligibility for or appropriateness of any benefit or service, or the making of a financial decision. We are not responsible for the accuracy or reliability of any Website Content, or for expenses, losses or damages (financial or otherwise) incurred by relying upon the information presented here. The information and features included in this Website have been compiled from a variety of sources for informational purposes and are subject to change at any time without notice. This Website and all information it contains are provided “AS IS.”

By accessing or linking to this Website, you assume the risk that the information on this Website may be incomplete, inaccurate, out of date, or may not meet your needs and requirements. It is your responsibility to evaluate the accuracy, completeness, or usefulness of any Website Content available through the Website. The relationship between you and UHSM is not a professional or similar relationship; always seek the advice of a qualified professional with respect to any questions that you may have, and never disregard professional advice or postpone seeking it because of something that you have read on the Website. We neither recommend nor endorse any specific products, services, opinions, or other Website Content that may be made available through or mentioned on the Website.

External Links

The Website may provide links to other websites and online resources. Because we have no control over such sites and resources, you acknowledge and agree that we are not responsible for the availability of such external sites or resources, and that UHSM neither endorses nor is responsible or liable for any content, advertising, products or other materials on or available through such sites or resources. Additionally, other websites may provide links to the UHSM Website with or without our authorization. You acknowledge and agree that we do not endorse such sites, and are not and shall not be responsible or liable for any links from those sites to the Website, or any expenses, losses or damages (financial or otherwise) incurred in connection therewith.

Service Providers

In submitting information or a Request to us, you agree to allow us to refer all of the information that you provide in connection with your request to Service Providers. If any Service Provider(s) wish to provide information to you in connection with your Request, you will be contacted regarding the offerings and related pricing. We request that the Service Providers make contact with you via the preferred medium that you have listed, but this does not prevent such Service Providers from contacting you by any other means that they deem appropriate. In working with Service Providers, we seek to work with companies that are reputable, professional and can service the needs of our users. However, we strongly recommend that you perform your own due diligence and research on each potential Service Provider prior to selecting or entering into any agreement or arrangement with any particular Service Provider. In addition, once we refer your request to the Service Providers in the Service Provider network, we have no further involvement in, or responsibility for, any transactions that occur between you and the Service Provider(s). We are not responsible or liable for ANY expenses, losses or damages (financial or otherwise) incurred in any such transactions or Service Provider’s acts or omissions (including, without limitation, with respect to any quotes or services that any such Service Provider may provide, for such Service Provider’s contact or delay or failure to contact you, for such Service Provider’s performance or failure to perform, or for any agreement or transaction between you and any such Service Provider. We cannot and do not guarantee that these Service Providers will provide information for every Request received or that the Service Providers who do respond to your Request can in fact meet your requirements. We may reject any Request and / or elect not to forward a Request to participating Service Providers, at our sole discretion.

Displays on or through the Websites of UHSM health care products, or other service options offered by third parties does not in any way imply, suggest, or constitute any sponsorship or approval of UHSM by any such Service Provider or any affiliation between any such Service Provider and UHSM. Our display of specific options does not suggest a recommendation by us of the Service Providers or their product/service options. You agree that we are in no way responsible for the accuracy, timeliness or completeness of information it may obtain from these Service Providers. Your interaction with any Service Providers accessed through the Website is at your own risk, and we shall have no liability with respect to the acts, omissions, errors, representations, warranties, breaches or negligence of any such Service Providers or for any expenses, losses or damages (financial or otherwise) resulting from your interactions with the Service Providers.

As indicated above, we may provide links to third-party websites, which may include certain Service Providers. We also may select certain third-party websites as priority responses to search terms you enter and UHSM may agree, where permitted by law, to allow advertisers to respond to certain search terms with advertisements or sponsored content. UHSM does not recommend and does not endorse the content on any third-party websites.

Prohibited Activity

In addition to uses otherwise prohibited by UHSM, these Terms, or applicable law, you shall not, and you shall not allow any third party to, do any of the following:

  • You agree not to use the Website for illegal, unauthorized, harmful, misleading, fraudulent or other malicious purposes or to post, disseminate or communicate any unlawful, defamatory, obscene, lewd, excessively violent, harassing, sexually explicit or otherwise objectionable subject matter or for the transmission of material that contains viruses or other malicious code, or that which infringes or may infringe the intellectual property, privacy or other rights of another.
  • You agree not to engage in excessive usage of the Website, as determined by our sole discretion, including usage that adversely affects the speed, responsiveness or functionality of the Website, or disrupts the availability of the Website for other users.
  • You agree not to take any action that imposes an unreasonable or disproportionately large load on the Website or its network infrastructure.
  • You agree not to attempt to damage, deny service to, hack, crack, reverse engineer or otherwise interfere with the Website in any manner.
  • You agree not to interfere with or disrupt the Website or servers or networks connected to the Website, or disobey any requirements, procedures, policies, or regulations of networks connected to the Website.
  • You agree not to upload, post, email, or otherwise transmit any content that you do not have a right to transmit under any law or under contractual or fiduciary relationships (such as inside information, proprietary, and confidential information learned or disclosed as part of employment relationships or under non-disclosure agreements).
  • You agree not to post, upload or transmit: (i) any data, content or materials meant to market or advertise services or products that are competitive with the Website, solicit any other users of the Website for such purposes and/or use data, content or materials gathered from the Website for such purposes, (ii) any data, content or materials of any type that infringe or violate any rights of any party, including, but not limited to, any patent, copyright, trademark, trade secret or any proprietary or other right of UHSM or a third party, (iii) any disabling code (defined as computer code designed to interfere with the normal operation of the Website or UHSM’s or a third party’s hardware or software) or any program routine, device or other undisclosed feature, including, but not limited to, a time bomb, virus, software lock, drop-dead device, malicious logic, worm, Trojan horse or trap door which is designed to delete, disable, deactivate, interfere with or otherwise harm the Website or UHSM’s or a third party’s hardware or software.
  • You agree not to modify, adapt, translate, reverse engineer, decompile or disassemble any portion of the Website.
  • You agree not to create a database by systematically downloading and storing all or any Website content.
  • You agree not to use any robot, spider, Website search/retrieval application or other manual or automatic device to retrieve, index, “scrape,” “data mine” or in any way gather Website content or reproduce or circumvent the navigational structure or presentation of the Website without our express prior written consent. Notwithstanding the immediately foregoing sentence (but subject to the other items listed above), we grant the operators of public search engines permission to use spiders to copy materials from the Website for the sole purpose of and solely to the extent necessary for creating publicly-available searchable indices of such materials, but not caches or archives of such materials. We reserve the right to revoke these exceptions, either generally or in specific cases, at any time.
  • You agree not to use or access the Website or any data, content or materials provided through the Website in violation of international, federal, state or local law or other applicable rules or regulations (including, without limitation, any laws regarding the export of data or software to and from the US and other countries). If you access the Website from outside the United States, you do so at your own risk and responsibility for compliance with laws of your jurisdiction.

Disclaimer of Warranties

The Website is provided “AS IS” and you assume any and all liability for using the Website and its services. UHSM expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and security and accuracy, as well as all warranties arising by usage of trade, course of dealing, or course of performance. UHSM makes no warranty, and expressly disclaims any obligation, that: (a) the Website will meet your requirements or will be available on an uninterrupted, timely, secure, or error-free basis; (b) the Website Content will be up-to-date, complete, comprehensive, accurate or applicable to your circumstances; (c) the results that may be obtained from the use of the Website or any services offered through the Website will be accurate or reliable; or (d) the quality of any products, services, information, or other material obtained by you through the Website will meet your expectations. 

Limitation of Liability

We (together with our officers, directors, employees, representatives, affiliates, and providers) will not be responsible or liable for (a) any damages to or viruses that may infect your computer equipment or other property as the result of your access to the Website, your downloading of any Website Content or (b) any injury, death, loss, claim, act of God, accident, delay, or any direct, special, exemplary, punitive, indirect, incidental or consequential damages of any kind (including without limitation lost profits or lost savings), whether based in contract, tort, strict liability or otherwise, that arise out of or is in any way connected with: (i) any use of the Website or the Website Content; (ii) any failure or delay (including without limitation the use of or inability to use any component of this Website); or (iii) the performance or non-performance by us or any provider, even if we have been advised of the possibility of damages to such parties or any other party. Some states do not allow the limitation of liability, so the limitations above may not apply to you. YOU AGREE THAT OUR ENTIRE LIABILITY AND YOUR SOLE REMEDY FOR ALL CLAIMS SHALL BE LIMITED, IN THE AGGREGATE, TO USD $150.00. YOU ACKNOWLEDGE AND AGREE THAT, REGARDLESS OF ANY STATUTE OR LAW TO THE CONTRARY, ANY CLAIM OR CAUSE OF ACTION YOU MAY HAVE ARISING OUT OF, RELATING TO, OR CONNECTED WITH YOUR USE OF THE WEBSITE OR ITS SERVICES, MUST BE FILED WITHIN ONE (1) CALENDAR YEAR AFTER SUCH CLAIM OR CAUSE OF ACTION ARISES, OR FOREVER BE BARRED.


You agree to indemnify, defend, and hold harmless UHSM, its affiliates and their respective present, former and future officers, directors, employees and agents, and their respective heirs, legal representatives, successors and assigns from and against any claim, demand, loss, damage, cost, or liability (including amounts paid in settlement and reasonable attorneys’ fees) arising out of or relating to:

  • Any content you submit, post, transmit, or make available through the Website or its services;
  • Your use or misuse of the Website;
  • Your breach or alleged breach of these Terms; or your violation of any rights (including intellectual property rights) of a third party.

Copyright Protection

All content included on the Website, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of the Company or its content suppliers and protected by United States and international copyright laws. The compilation of all content on this site is the exclusive property of the Company and protected by United States and international copyright laws. All software used on this site is the property of the Company or its software suppliers and protected by United States and international copyright laws. For notices of claims of copyright infringement, please contact our designated copyright agent:

Copyright Agent
(800) 900-8476
999 Waterside, Suite 2600
Norfolk, VA 23510
Email: hello@uhsm.org

You acknowledge and agree that we and our licensors retain ownership of all intellectual property rights of any kind related to the Website and services, including applicable copyrights, trademarks and other proprietary rights. We are not granting any license to you under any of those intellectual property rights by virtue of these Terms. We reserve all rights that are not explicitly granted to you in this Agreement.

UHSM trademarks, logos, service marks, images, trade names, designs, page headers, button icons, scripts and other distinctive branding features used in connection with the services are the trademarks, service marks or trade dress of UHSM and may not be copied, imitated, or used, in whole or in part, without the prior written permission of UHSM.


Your use of the Website, and any information you provide to us while using the Website, is subject to our Privacy Policy. By using the Website, you consent to the use of your information as we outline in our Privacy Policy. If we connect you with a Service Provider through the Website or a phone number displayed on the Website, you accept that:

  • Our Privacy Policy governs anything you do on the Website and the applicable Service Provider’s privacy policy governs anything you do with such Service Provider.
  • If we display the telephone number of a Service Provider, transfer your phone call to a Service Provider, or link to a Service Provider’s website, any and all contact with such Service Provider is undertaken at your own risk. You, not UHSM, are responsible for any personal information you provide to another company and we recommend as a general practice that you read a company’s privacy policy prior to sharing any personal information.

Contests & Sweepstakes

From time to time, UHSM and the Website may offer you the opportunity to enter into certain contests, raffles, or sweepstakes (generally, “Contest(s)”), in which case UHSM or an identified third party may act as “Sponsor” of said Contests. The following terms shall apply to any such Contest, unless specific, other terms accompany a particular Contest, in which case the Contest-specific terms shall control. Further, any Contests for which a third party is the sole Sponsor shall be governed by any terms as directed by that third party.


Prizes (up to and including the Grand Prize) are non-transferable and non-refundable, no substitutions will be made except as provided herein, in the Sponsor’s sole discretion. A Prize is not redeemable for cash. Sponsor reserves the right to substitute a particular Prize for one of comparable or greater value. Winners are responsible for any applicable local income taxes. NO PO Box Numbers can be used as the mailing address.    

General Conditions: Sponsor reserves the right to modify theContest at any time.  In the event thatthe operation of the Contest is impaired in any way, the Sponsor may award  Prizesfrom among the eligible entries received up to the time of the impairment. Sponsor reserves the right to disqualify and seek damages from any individual who tampers with the Contest,violates theseTerms or Contest rules, or acts in a disruptive manner. If there is a drawing as a part of the Contest, that drawing represents sweepstakes and is subject to federal, state, and local laws and regulations, and is void where prohibited. By entering, you agree to release and hold harmless Sponsor, its parent, subsidiaries, affiliates, and each of their respective officers, directors, employees, and agents (the “Contest Released Parties”) from and against any claim or cause of action arising out of participation in the Contest or receipt or use of any Prize. You waive the right to claim any damages whatsoever, including, but not limited to, punitive, consequential, direct, or indirect damages.     

Publicity: Except where prohibited, participation in the Contest constitutes your consent to Sponsor’s use of your name, likeness, voice, opinions, biographical information, and state of residence for promotional purposes in any media without further payment or consideration.   

FORCE MAJEURE.If, for any reason, the Contest (or any part thereof) is not capable of running as planned by reason of computer virus, bug, system malfunction, tampering, unauthorized intervention, fraud, technical failures, fire, flood, earthquake, storm or other natural cataclysm, riot, strike, terrorist activity, civil commotion, governmental regulation, or any other causes beyond the control of Sponsor which, in its sole opinion, corrupts or affects the administration, security, fairness, integrity or proper conduct of the Contest (or any part thereof), Sponsor reserves theright, in its sole discretion, to cancel, terminate, modify or suspend the Contest, or to thereafter conduct the Contest by selecting the Prize winner(s) for affected Contest drawing from among all eligible entries received for such affected Contest drawing prior to the action taken by Sponsor or otherwise in a manner which is fair, equitable and in accordance with these Terms or Contest rules, as determined by Sponsor in its sole discretion. 

Disputes:Except where prohibited, you agree thatany and alldisputes, claims, and causes of action arising out of, or connected with, the Contest or any Prize awarded shall be resolved individually, without resort to any form of class action, and exclusively by the appropriate court located inOrange County, California, USA. All issues and questions concerning the construction, validity, interpretation, and enforceability of these Terms or Contest rules, your rights, and obligations, or the rights and obligations of the Sponsor in connection with the Contest, shall be governed by and construed in accordance with, the laws of California, USA, without giving effect to any choice of law or conflict of law rules (whether of California, USA or any other jurisdiction), which would cause the application of the laws of any jurisdiction other than California, USA.   

Sponsor:  Unless otherwise indicated as it pertains to a specific Contest, the Program is sponsored by Unite Healthshare Ministries, 999 Waterside Dr, Norfolk, VA 23510.

Governing Law & Arbitration

This Agreement shall be governed by the laws of the State of California without giving effect to any principles that may provide the application of the law of another jurisdiction. Any controversy or claim arising out of or relating to this Agreement, including any controversy or claim involving a third party with whom information you have entered into the Website has been shared (but only to the extent such third party consents to arbitration of such controversy or claim)shall be settled by binding arbitration before a single arbitrator in accordance with the JAMS Streamlined Arbitration Rules. The decision of the arbitrator shall be final and unappealable. The arbitration shall be conducted in Orange County, California and judgment on the arbitration award may be entered into any court having jurisdiction thereof. Notwithstanding the foregoing, we may seek injunctive or other equitable relief to protect our intellectual property rights in any court of competent jurisdiction.

If either UHSM or you want to arbitrate a dispute, UHSM and you each agree to send written notice to the other providing a description of the dispute, previous efforts to resolve the dispute, all supporting documents/information, and the proposed resolution. UHSM and you each agree to make attempts to resolve this dispute within forty-five (45) days of receipt of the notice to arbitrate. Thereafter, either UHSM or you may submit the dispute to formal arbitration.

Both you and UHSM each agree not to pursue arbitration on a consolidated or classwide basis, including any arbitration involving a third party with whom information you have entered into the Website has been shared. Both you and UHSM each agree that any arbitration will be solely between you and UHSM and/or, where applicable, a third party with whom information you have entered into the Website has been shared (not brought on behalf of or together with another individual’s claim). If for any reason any court or arbitrator hold that this restriction in unconscionable or unenforceable, then this agreement to arbitrate does not apply and the dispute must be brought in court.




Nothing contained in these Terms will be deemed to constitute either party as the agent or representative of the other party, or both parties as joint venturers or partners for any purpose. You may not assign, delegate or transfer your rights or obligations under these Terms. We may assign our rights and duties under these Terms without such assignment being considered a change to the Terms and without notice to you. We may modify these Terms, at any time, by posting notice thereof on the Website. Your continued use of the Website following the posting of notice of any modification will be subject to the Terms in effect at the time of your use. Please review these Terms periodically for changes. If you object to any provision of these Terms or any subsequent modifications to these Terms or become dissatisfied with the Website, your only recourse is to immediately terminate use of the Website. Other terms and conditions may apply to your purchases of UHSM products/services through the Website, the Service Providers’ websites, and to your use of other portions of the Website. You will observe these other terms and conditions. If we fail to act with respect to your breach or anyone else’s breach on any occasion, we are not waiving our right to act with respect to future or similar breaches. If a court finds any of these Terms to be unenforceable or invalid, that Term will be enforced to the fullest extent permitted by applicable law and the other Terms will remain valid and enforceable. These Terms, together with those agreements made a part of these Terms by reference, make up the entire agreement between us relating to your use of the Website. You acknowledge that you have read and understood these Terms, and that these Terms have the same force and effect as a signed agreement.

We appreciate your feedback. Please email us at hello@uhsm.org

Last Modified 01 October 2023, All rights reserved.