Legal
Summary: myHSAPath provides free educational content and comparison tools to help Americans understand HSA accounts. We earn commissions when you open accounts through our links. Our content is not financial, tax, or legal advice. Please read these terms before using our site.
By accessing or using myHSAPath.com (the "Site"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use the Site.
These Terms apply to all visitors, users, and others who access or use the Site. Your continued use of the Site after any changes to these Terms constitutes your acceptance of the revised Terms.
myHSAPath.com is an independent content and comparison website that provides educational information about Health Savings Accounts (HSAs), HSA-eligible health plans, and related financial topics. myHSAPath is an independently operated content and comparison website focused on helping US audiences navigate HSA accounts and health plan decisions.
myHSAPath is not a bank, financial institution, insurance company, insurance broker, investment advisor, or tax professional. We do not hold, manage, or administer HSA funds. We do not sell insurance or financial products.
Important: Nothing on this Site constitutes financial advice, tax advice, legal advice, or any other professional advice. The content is provided for informational and educational purposes only.
The information on this Site should not be relied upon as a substitute for consultation with qualified professionals including licensed financial advisors, certified public accountants (CPAs), tax attorneys, or licensed insurance brokers.
HSA eligibility rules, contribution limits, qualified expenses, and tax treatment are subject to change by the IRS and Congress. Individual circumstances vary significantly. What is true for one person may not apply to your situation.
Before making any financial, insurance, or tax-related decisions based on content from this Site, you should consult with a qualified professional who can advise you based on your specific circumstances.
We make reasonable efforts to ensure that the information on this Site is accurate and up to date. However, we make no representations or warranties of any kind — express or implied — about the completeness, accuracy, reliability, suitability, or availability of any information on the Site.
Specifically:
All comparison pages and articles display a "Last Updated" date. We recommend verifying information with official sources including IRS.gov and HealthCare.gov before making decisions.
myHSAPath participates in affiliate marketing programs. This means we may earn a commission or referral fee when you click a link on our Site and subsequently open an account, purchase a product, or take another action with a third-party company.
Our current affiliate relationships may include, but are not limited to:
Editorial Independence: Our affiliate relationships do not influence our ratings, rankings, recommendations, or editorial content. We do not accept payment for placement in our comparison tables or for favorable reviews. Our ratings are based on our independent editorial methodology, which is described on our Advertiser Disclosure page.
We comply with the Federal Trade Commission (FTC) guidelines on disclosure of material connections between content publishers and advertisers. Affiliate links and sponsored content are identified on our Site.
All content on this Site — including but not limited to text, graphics, logos, comparison tables, tools, calculators, ratings, and the overall site design — is the property of myHSAPath and is protected by applicable copyright, trademark, and other intellectual property laws.
You may not:
Brief quotations with attribution for editorial, educational, or journalistic purposes are permitted under fair use principles. For any other use, please contact us at editorial@myhsapath.com.
Third-party trademarks: All company names, logos, and trademarks referenced on this Site (including Fidelity, Lively, HealthEquity, HSA Bank, and others) are the property of their respective owners. Their inclusion is for editorial comparison purposes only and does not imply any affiliation, endorsement, or sponsorship by those companies.
By using this Site, you agree not to:
The Site contains links to third-party websites, including HSA custodians, insurance platforms, and government resources. These links are provided for your convenience and informational purposes only.
We have no control over the content, privacy practices, or terms of third-party sites. We do not endorse, guarantee, or assume responsibility for the accuracy or reliability of any content on linked sites. Clicking an affiliate link or opening an account with a third party is subject to that company's own terms, conditions, and privacy policy.
Your interactions with third-party companies — including account opening, fee agreements, and investment decisions — are solely between you and those companies. myHSAPath is not a party to any such transactions.
THE SITE AND ALL CONTENT, TOOLS, AND INFORMATION ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
TO THE FULLEST EXTENT PERMITTED BY LAW, myHSAPath DISCLAIMS ALL WARRANTIES INCLUDING, WITHOUT LIMITATION:
Calculator outputs, quiz results, and savings estimates are approximations based on general assumptions and should not be relied upon for tax filing, financial planning, or other purposes without independent verification.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, myHSAPath AND ITS OWNER, OPERATORS, CONTRIBUTORS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM:
In no event shall our total liability to you for all claims exceed one hundred US dollars (USD $100), regardless of the cause of action.
Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities. In such jurisdictions, our liability is limited to the maximum extent permitted by law.
You agree to indemnify, defend, and hold harmless myHSAPath and its owner, operators, contributors, and affiliates from and against any claims, liabilities, damages, losses, and expenses — including reasonable legal fees — arising out of or in any way connected with:
Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Our Privacy Policy describes how we collect, use, and protect your personal information, including email addresses collected through newsletter signup forms and quiz tools.
We use standard industry tools including Beehiiv for email newsletter management and Plausible Analytics for privacy-friendly website analytics. We do not sell your personal information to third parties.
By submitting your email address on the Site, you consent to receive our newsletter and related communications. You may unsubscribe at any time using the link in any email we send.
These Terms are governed by and construed in accordance with the laws of the Province of Ontario and applicable federal laws, without regard to conflict of law principles. While myHSAPath is independently operated from Canada, the Site is designed for US audiences and we comply with applicable US federal regulations including FTC guidelines on affiliate disclosure and the CAN-SPAM Act.
However, as the Site primarily serves US users, we also endeavor to comply with applicable US federal laws and regulations including FTC disclosure requirements, CAN-SPAM Act email regulations, and applicable IRS guidance on educational content.
Any disputes arising from these Terms or your use of the Site shall be resolved through binding arbitration in Ontario, Canada, except where prohibited by applicable law. Nothing in this section prevents either party from seeking injunctive or other equitable relief from a court of competent jurisdiction.
We reserve the right to update or modify these Terms at any time at our sole discretion. When we make material changes, we will update the "Last Updated" date at the top of this page.
Your continued use of the Site after any changes constitutes your acceptance of the updated Terms. We encourage you to review these Terms periodically.
If you have questions about these Terms and Conditions, please contact us:
We aim to respond to all legal inquiries within 5 business days.