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Privacy Policy

SAVING WISER — COMPLETE PRIVACY POLICY AND DISCLOSURES

Last Updated: April 2026

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PART 1 — PRIVACY POLICY

 

Introduction

Welcome to Saving Wiser ("we," "us," "our," or "the Site"). We are committed to protecting your privacy and being transparent about how we collect, use, and protect your information.

 

This Privacy Policy applies to all information collected through our website at savingwiser.com and any related communications, including our email newsletter.

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Please read this policy carefully. By using our website, you agree to the terms described here.

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Information We Collect

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Information you provide directly:

  • Your name and email address when you subscribe to our newsletter or download our free resources

  • Any information you voluntarily share when you contact us through our contact form

  • Comments or feedback you submit on our website

 

Information collected automatically:

  • Pages you visit on our website

  • How long you spend on each page

  • Where you came from before visiting our site — referring website or search engine

  • Your general geographic location — country and region level only

  • Device type — desktop, mobile, tablet

  • Browser type

  • IP address

 

We do not collect:

  • Payment information — we do not process payments directly on this site

  • Sensitive personal information — health records, financial account numbers, social security numbers

  • Precise location data

 

How We Use Your Information

 

We use the information we collect to:

  • Send you our newsletter and the free resources you requested

  • Improve our website content and user experience

  • Understand which guides and topics are most helpful to our readers

  • Respond to your questions and feedback

  • Comply with legal obligations

 

We do not sell your personal information to third parties. Ever.

 

Email List

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When you subscribe to our email list you are agreeing to receive:

  • Our free HSA eligible products checklist or other requested resource

  • Periodic newsletters with new guides, savings tips, and updates

  • Occasional product recommendations — always from personal experience

 

You can unsubscribe at any time using the unsubscribe link at the bottom of any email. We use a reputable email service provider to manage our list — currently ConvertKit or Beehiiv — and your information is stored securely on their platform.

 

We will never share your email address with third parties for marketing purposes.

 

Cookies

 

Our website uses cookies — small text files stored on your device — to improve your experience and help us understand how visitors use our site.

 

Types of cookies we use:

 

Essential cookies: Necessary for the website to function properly. Cannot be disabled.

 

Analytics cookies: Help us understand how visitors interact with our site. We use Google Analytics for this purpose. Data collected is anonymous and aggregated — we cannot identify individual visitors.

 

Affiliate tracking cookies: When you click an affiliate link on our site a tracking cookie may be placed to attribute any resulting purchase to our account for commission purposes. These cookies are placed by the affiliate networks and brands we partner

with — Amazon, Impact, ShareASale, and others.

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How to manage cookies: You can disable cookies in your browser settings. Note that disabling certain cookies may affect

website functionality. For information on managing cookies visit allaboutcookies.org.

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Third Party Services

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We use the following third party services that may collect information about you:

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Google Analytics We use Google Analytics to understand how visitors use our site. Google Analytics collects anonymous usage data. Google's privacy policy is available at policies.google.com/privacy.

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Email Service Provider We use ConvertKit or Beehiiv to manage our email list. Your name and email are stored on their secure servers. Their privacy policies are available at convertkit.com/privacy or beehiiv.com/privacy.

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Wix Our website is built on the Wix platform. Wix's privacy policy is available at wix.com/about/privacy.

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Affiliate Networks We participate in affiliate programs through networks including Amazon Associates, Impact, ShareASale, CJ Affiliate, and others. These networks may use cookies and tracking technologies when you click our affiliate links. Their privacy policies are available on their respective websites.

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Social Media Platforms If you interact with our content on social media platforms those platforms collect information according to their own privacy policies.

 

Data Retention

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We retain your personal information for as long as you remain subscribed to our email list. If you unsubscribe your email address is removed from our active list. We may retain anonymized analytics data indefinitely.

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Your Rights

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Depending on your location you may have the right to:

  • Access the personal information we hold about you

  • Request correction of inaccurate information

  • Request deletion of your personal information

  • Withdraw consent for email communications at any time by unsubscribing

  • Opt out of analytics tracking by using browser settings or Google Analytics opt-out tools

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To exercise any of these rights contact us at the email address on our Contact page.

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Children's Privacy

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Our website is not directed at 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 please contact us immediately.

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Changes to This Privacy Policy

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We may update this Privacy Policy from time to time. When we do we will update the "Last Updated" date at the top of this

page. We encourage you to review this policy periodically.

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Contact

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If you have questions about this Privacy Policy please contact us through the Contact page at savingwiser.com.

 

PART 2 — AFFILIATE DISCLOSURE

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Affiliate Relationship Disclosure

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Saving Wiser participates in affiliate marketing programs. This means that when you click certain links on our website and make a purchase we may earn a commission at no additional cost to you.

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This disclosure is made in compliance with the Federal Trade Commission guidelines on endorsements and testimonials as outlined in 16 CFR Part 255.

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What This Means For You

  • Clicking an affiliate link does not change the price you pay — you pay exactly the same whether you use our link or go directly to the retailer

  • We only recommend products and services we personally use and genuinely believe in

  • Our affiliate relationships do not influence our honest opinions — if something doesn't work well we will say so

  • The presence of an affiliate link does not mean we were paid to write about that product — we write about products first based on personal experience and add affiliate links where available

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Affiliate Programs We Participate In

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We currently participate in or may participate in affiliate programs with the following companies and networks. This list may not

be exhaustive as we occasionally add new partners:

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  • Amazon Associates Program

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Amazon Associates Disclosure

 

Saving Wiser is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

As an Amazon Associate we earn from qualifying purchases.

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How to Identify Affiliate Links

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Affiliate links on our site may be identified by:

  • A disclosure statement at the top of any guide containing affiliate links

  • Context — when we recommend a specific product and link to it that link may be an affiliate link

 

When in doubt assume any product link on our site may be an affiliate link.

 

Our Commitment To You

 

Our editorial content is never influenced by affiliate relationships. We will not recommend a product simply because it has a higher commission rate. We will not hide negative information about a product we earn commissions on. We will clearly disclose affiliate relationships in every guide where they exist.

 

Our recommendations come from personal experience first. Affiliate income is a byproduct of that — not the reason for it.

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PART 3 — MEDICAL DISCLAIMER

 

Not Medical Advice

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The content on Saving Wiser — including all guides, articles, recommendations, and any other information — is for informational and educational purposes only.

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Nothing on this website constitutes medical advice, diagnosis, or treatment. The information provided is not a substitute for professional medical advice from a qualified healthcare provider.

 

Specific Medical Disclaimers

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Supplements: We discuss supplements on this site based on personal experience and publicly available information.

 

Supplements affect individuals differently. Before starting any new supplement regimen consult with your doctor or a qualified healthcare provider. Supplements can interact with medications and existing medical conditions. We are not qualified to advise on whether a specific supplement is appropriate for your individual health situation.

 

Letter of Medical Necessity: We discuss the process of obtaining a Letter of Medical Necessity for HSA eligible purchases. We cannot determine whether you qualify for an LMN or whether any specific product is medically appropriate for your individual health situation. Only a licensed healthcare provider who has reviewed your personal health history can make that determination. Do not rely on our content to self-diagnose or self-prescribe.

 

Lab Testing: We discuss functional lab testing services such as Function Health and Superpower. Lab results require interpretation by qualified healthcare professionals. Abnormal results should be followed up with your doctor. Do not make significant health decisions based solely on direct-to-consumer lab results without consulting a qualified healthcare provider.

Health Devices: Smart scales, wearables, sleep trackers, and other health devices discussed on this site provide general health data. This data is not a substitute for professional medical evaluation. Consult your doctor about any health concerns identified through health tracking devices.

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Always Consult Your Doctor: Before making any health decisions based on information found on this site — including starting supplements, purchasing health devices, seeking specific treatments, or making changes to existing medical care — consult with a qualified licensed healthcare provider who knows your individual health history.

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PART 4 — FINANCIAL AND TAX DISCLAIMER

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Not Financial or Tax Advice

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The content on Saving Wiser — including all guides, articles, recommendations, and any other information about HSAs, banking, investments, cashback, and savings strategies — is for informational and educational purposes only.

 

Nothing on this website constitutes financial advice, investment advice, tax advice, or legal advice.

 

Specific Financial Disclaimers

 

HSA Eligibility: We provide information about HSA eligible expenses based on our research of current IRS guidelines. HSA eligibility rules can change. Individual HSA plan administrators may interpret eligibility differently. The final determination of whether an expense qualifies for your specific HSA plan rests with your HSA administrator — not with us. Always verify eligibility with your HSA administrator before making purchases with the expectation of reimbursement.

 

Tax Savings: We discuss pre-tax savings percentages associated with HSA spending. These are general estimates based on common tax brackets and are not a guarantee of your specific tax savings. Your actual tax savings depend on your individual tax situation including your federal and state tax brackets, deductions, and other factors. Consult a qualified tax professional for advice specific to your situation.

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IRS Rules: We reference IRS Publication 502, IRS Publication 969, and other IRS guidance throughout our content. Tax laws and IRS guidelines change. While we make every effort to keep our content current we cannot guarantee that every piece of information reflects the most current IRS rules at the time you read it. Always verify current rules directly at irs.gov.

 

Banking and Financial Products: We discuss banking products including high yield savings accounts, CDs, bank bonuses, and HSA accounts. Interest rates, bonus amounts, account terms, and product availability change frequently. Always verify current rates and terms directly with the financial institution before making any financial decisions. Past performance of any financial product does not guarantee future results.

 

Investment Information: We discuss investing HSA balances for tax-free growth. Investing involves risk including the possible loss of principal. Investment returns are not guaranteed. Nothing in our content should be construed as a recommendation to buy or sell any specific investment. Consult a qualified financial advisor before making investment decisions.

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Affiliate Income: We discuss affiliate marketing and income generation from content sites including our own experience. Income results vary significantly and are not guaranteed. Our results are specific to our situation and should not be taken as typical or expected results for anyone else.

 

Cashback and Rewards: We discuss cashback programs, banking bonuses, and rewards strategies. Program terms, cashback rates, and bonus amounts change frequently and vary by individual eligibility. Verify current terms directly with each program. Some programs have spending requirements, direct deposit requirements, or other conditions. Always read the full terms before participating.

 

Consult Qualified Professionals

 

For advice specific to your individual situation we strongly encourage you to consult:

  • A licensed tax professional or CPA for questions about HSA tax treatment, deductions, and your specific tax situation

  • A qualified financial advisor for investment decisions and personal financial planning

  • A licensed healthcare provider for medical decisions, supplement recommendations, and LMN eligibility

  • Your HSA plan administrator for questions about what your specific plan covers

  • An attorney for legal questions related to HSAs, contracts, or financial products

 

PART 5 — GENERAL DISCLAIMERS

 

Accuracy of Information

 

We make every effort to ensure the information on this site is accurate and up to date at the time of publication. However:

  • Information can become outdated as rules, rates, and product availability change

  • We may make errors despite our best efforts

  • We are not responsible for decisions made based on information found on this site

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We encourage you to verify important information from primary sources before making financial, health, or purchasing decisions.

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Third Party Links

Our website contains links to third party websites including affiliate partners, IRS resources, and other reference sources. We are not responsible for the content, accuracy, or privacy practices of those websites. Linking to a third party site does not constitute an endorsement of that site or its content beyond the specific product or resource referenced.

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Results Not Guaranteed

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Any savings amounts, income figures, or results mentioned on this site reflect our personal experience. Individual results will vary based on your specific situation, tax bracket, HSA plan, purchasing habits, health conditions, and many other factors.

 

Nothing on this site should be taken as a guarantee of specific results.

 

Errors and Omissions

 

While we strive for accuracy we are not responsible for errors or omissions in our content. Use the information on this site as a starting point for your own research — not as a definitive or complete resource.

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Governing Law

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This Privacy Policy and all disclosures are governed by the laws of the United States.

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Changes to These Disclosures

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We reserve the right to update any of these disclosures at any time. Changes will be reflected in the "Last Updated" date at the top of this document. Continued use of our website after changes constitutes acceptance of the updated terms.

 

Contact

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For questions about any of these policies or disclosures please contact us through the Contact page at savingwiser.com.

 

Last Updated: April 2026 Saving Wiser — savingwiser.com Real Savings. Real Life.

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