Effective Date: July 17, 2025
Welcome to Wellness Pay, Inc. (“Wellness Pay”, “we”, “us”, or “our”). These Terms & Conditions (“Terms”) constitute a legally binding agreement between you (“you”, “user”, or “customer”) and Wellness Pay regarding your access to and use of our website, mobile services, software platform, and related services (“Services”).
Please read these Terms carefully. By accessing or using the Services, you agree to be bound by these Terms, our Privacy Policy, and any other applicable policies. If you do not agree to these Terms, do not access or use our Services.
Wellness Pay is a financial and health service platform that helps users maximize their tax-advantaged healthcare spending accounts such as HSAs (Health Savings Accounts) and FSAs (Flexible Spending Accounts). We provide the following services:
Automated identification of eligible products and services
Receipt scanning and account linking to assess past eligible purchases
Submission and review of Letters of Medical Necessity (LMNs) by licensed medical providers
Access to telehealth consults, prescriptions, and lab testing as part of premium offerings
Support for expense tracking, annual reporting, and reimbursement insights
You must be:
At least 18 years of age
A resident of the United States
In legal possession of or authorized to use an HSA or FSA
You represent and warrant that all registration information you submit is accurate and truthful. You are responsible for maintaining the confidentiality of your account credentials.
Some Services are provided on a subscription basis:
Membership tiers, benefits, and pricing are detailed at checkout and on our website.
Subscriptions renew automatically unless cancelled before the billing date.
Fees are non-refundable except as outlined in our Money-Back Guarantee.
One-time LMN purchases are non-transferable and expire if unused after 12 months.
Our “Save More Than You Spend” Guarantee allows eligible members to request a refund if:
They link all major accounts and submit at least one LMN-eligible item
They spend at least the average HSA/FSA eligible annual amount ($1,500+)
They do not receive tax-preferred reimbursements exceeding the membership fee
All refund requests must be submitted within 30 days of purchase and include sufficient documentation.
Wellness Pay is not a licensed healthcare provider. All LMNs, prescriptions, lab reviews, and medical consultations are delivered by third-party licensed medical professionals in accordance with applicable state telehealth laws. We do not guarantee the outcome of any medical determination.
You are solely responsible for ensuring your HSA/FSA usage complies with IRS guidelines.
We do not guarantee reimbursement from your benefits administrator.
Wellness Pay does not provide legal or tax advice. Consult your tax professional for advice.
By using Wellness Pay, you authorize us to access certain data via third-party providers(e.g., Plaid, MX) solely for the purposes of evaluating eligibility and providing our Services. Your use of these integrations is subject to their own terms and policies.
To the fullest extent permitted by law, Wellness Pay is not liable for:
Denied reimbursements or misfiled claims
Delays or inaccuracies in LMN issuance
Unauthorized use of your account due to your failure to maintain credentials
You agree to indemnify and hold harmless Wellness Pay, its officers, directors, and affiliates from any claims, losses, liabilities, and expenses arising out of your use of the Services, violation of these Terms, or misuse of your HSA/FSA.
All disputes shall be resolved through binding individual arbitration in the state of Delaware, waiving class actions and jury trials, except where prohibited by law. These Terms are governed by the laws of the State of Delaware.
We reserve the right to update or modify these Terms at any time. Material changes will be communicated via email or platform notice. Continued use after changes constitutes acceptance.
Contact: legal@wellnesspay.com
