Please read these terms and conditions of use carefully before using or obtaining any materials, information, products or services through this site. The terms “Unite Health Share Ministries Inc.”, “us”, “we” or “our” or “UHSM” refer to Unite Health Share Ministries Inc. a Virginia nonstock, tax-exempt corporation. The following terms and conditions (the “Terms” or the “Agreement”) form a binding agreement between you and us.


Acceptance of Terms

By accessing, using or obtaining any content, data, materials, information, products or services through the UHSM website (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.

By providing your information on any form is your express consent to be contacted by Unite Health Ministries UHSM™ and/or its affiliated entities or contracted third-party vendors concerning the coordination of the application process and/or UHSM’s programs or services, even if you are on a state or federal Do Not Call Registry. You agree to be contacted through the use of emails or on your landline or mobile phone by live operators, automated telephone dialing systems, pre-recorded messages, and/or text messages or email. Your phone carrier’s message and data rates may apply. The Sharing Programs, contribution schedules or services shown here are just estimates. To enroll in a Sharing Program, you must complete a Membership Application and meet the eligibility to become a Sharing Member.  The application process may be administered by one of our third-party vendors authorized to discuss UHSM Sharing Programs and that will provide you more definitive information on the Sharing Programs benefits and other details.


Our Services

UHSM is a health care sharing ministry. A health care sharing ministry is a group of individuals that share a common set of ethical or religious beliefs and share their medical expenses in accordance with those beliefs without regard to the state in which a member resides. 

UHSM’s programs and services are based on a religious tradition of financial sharing and the common religious principle of mutual aid, neighborly assistance, and burden sharing. The ministry does not subsidize self-destructive behaviors and lifestyles but is specifically tailored for individuals who maintain a healthy lifestyle, make responsible choices regarding health and care, and believe in helping others. A health care sharing ministry program and any program or service offered by UHSM is NOT health insurance.

This Website is to be an online resource for individuals seeking to research and help determine if they would want to voluntarily choose to become a Sharing Member with UHSM.  We may provide search, comparison and other tools to help individuals understand the mission and purpose of UHSM and its Sharing Programs. Some of our visitors may, in addition to browsing through our Website elect to ask us questions about the becoming a Sharing Member of UHSM. We may gather information from a variety of data sources including the government, nonprofit and leading commercial resources. UHSM is in no way responsible for the accuracy, timeliness or completeness of any information it my display or provide.

While UHSM may provide its users and/or Sharing Members the opportunity to receive quotations from our third-party vendors, UHSM is not a health insurer and does not provide any of the products or services advertised on any third-party website. We may provide Website users with the opportunity to submit requests for information on a wide variety of products and services offered by certain third-party vendors.

UHSM and any of its programs or services are NOT insurance. The Sharing Programs presented by UHSM are NOT insurance policies.  Any UHSM Sharing Program is not being offered through an insurance company.  Our Sharing Members are always responsible for their medical expenses and submit them to UHSM for the possible sharing by other Sharing Members.

UHSM does not make a promise to pay, or make any guarantee to pay anyone’s medical expenses. You will be responsible for the payment of your medical bills.  UHSM does not assume your risk.  UHSM does not guarantee that your medical expenses will be shared by other Sharing Members participating in an UHSM Sharing Program.


UHSM is not subject to the regulatory requirements or consumer protections of any particular State’s Insurance Code or Statute because it is not insurance.


Our Content

UHSM provides 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 is 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 us 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 UHSM is not responsible for the availability of such external sites or resources. 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 Website with or without our authorization. You acknowledge and agree that UHSM does not endorse such sites, and is 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.


Third Party Vendors

In submitting a UHSM Membership Application or Share Request to UHSM or any of its third-party vendors, you agree to allow UHSM and the designated third-party vendor involved in any particular service to refer to all of the information that you provide in connection with your request or inquiry. If any third-party vendor wishes to provide information to you in connection with your request, we request that the third-party vendors make contact with you via the preferred medium that you have listed, but this does not prevent any third party from contacting you by any other means that they deem appropriate. In working with third party vendors, we seek to work with companies that are reputable, professional and can service the needs of our visitors and members. We are not responsible or liable for ANY expenses, losses or damages (financial or otherwise) incurred in any transactions or third party vendors’ acts or omissions (including, without limitation, with respect to any quotes or services that any such third party vendor may provide, for such third party vendor’s’ contact or delay or failure to contact you, for such third party vendor’s performance or failure to perform, or for any agreement or transaction between you and any such third party vendor.

UHSM may display on or through the UHSM Website service and benefits to its Members offered by third parties.  These services or benefits do not in any way imply, suggest, or constitute any such affiliation or partnership between any such third-party and UHSM. UHSM’s display of specific options does not suggest a recommendation by UHSM of certain third-party vendors or any other third-party’s product/service options. You agree that UHSM is in no way responsible for the accuracy, timeliness or completeness of information it may obtain from these third-parties. Your interaction with any third-parties or health providers accessed through the Website or any of our third-party websites or other applications is at your own risk, and UHSM will have no liability with respect to the acts, omissions, errors, representations, warranties, breaches or negligence of any such third party or providers or for any expenses, losses or damages (financial or otherwise) resulting from your interactions with the any third-party.


Prohibited Activity

UHSM may provide links to third-party websites. UHSM may also select certain sites as priority responses to search terms you enter and UHSM may agree 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. UHSM is not responsible for the content of linked third-party sites, sites framed within the UHSM site, third-party sites provided as search results, or third-party advertisements, and does not make any representations regarding their content or accuracy. Your use of third-party websites is at your own risk and subject to the terms and conditions of use for such sites. UHSM does not endorse any product advertised on the UHSM site.

  1. You agree not to use the UHSM 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.
  2. You agree not to engage in excessive usage of the Website, as determined by UHSM in its 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.
  3. You agree not to take any action that imposes an unreasonable or disproportionately large load on the Website or its network infrastructure.
  4. You agree not to attempt to damage, deny service to, hack, crack, reverse engineer or otherwise interfere with the Website in any manner.
  5. 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.
  6. 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).
  7. You agree not to modify, adapt, translate, reverse engineer, decompile or disassemble any portion of the Website.
  8. You agree not to create a database by systematically downloading and storing all or any Website content.
  9. 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.


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 third party vendors) shall 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 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 UHSM, or its content suppliers and is protected by United States and international copyright laws. The compilation of all content on this site is the exclusive property of UHSM and protected by United States and international copyright laws. All software used on this site is the property of UHSM or its software suppliers and is protected by United States and international copyright laws.

For notices of claims of copyright infringement, please contact our designated copyright agent:

Unite Health Share Ministries, Inc.
c/o Copyright Agent
999 Waterside Drive, Suite 2600
Norfolk, VA 23510
Email: info@uhsm.com

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 Unite Health Share Ministries Inc.

© 2019 Unite Health Share Ministries, Inc. UHSM™ All rights reserved.

Last Modified: December 1, 2018