Privacy Policy

Information You Provide

When you subscribe to our newsletter, use our interactive tools (eligibility checker, contribution calculator, expense checker, tax growth simulator, compliance guard), or contact us through our contact form, you may provide personal information including your name, email address, and the content of your message. Tool inputs (such as coverage type, age, or expense queries) are processed in real time and are not stored in our database.

Automatically Collected Information

When you visit HSA Orbit, we automatically collect certain technical information, including your IP address, browser type, operating system, referring URL, pages visited, and time spent on the site. This data is collected through cookies and similar technologies and is used solely for analytics and site improvement.

We use the information we collect for the following purposes:

• •Delivering requested content, tools, and newsletter updates
• •Responding to your contact form inquiries
• •Improving our website, tools, and educational resources
• •Analyzing aggregate usage patterns to optimize site performance
• •Detecting and preventing abuse, spam, and fraudulent activity

We never sell, rent, or trade your personal information to third parties. We do not use your personal data for behavioral advertising or profiling.

HSA Orbit uses cookies and similar technologies to understand how visitors interact with our site. We use the following categories of cookies:

• •Essential cookies: Required for basic site functionality (session management, security)
• •Analytics cookies: Help us understand traffic patterns and popular content (e.g., Google Analytics)
• •Preference cookies: Remember your choices such as tool input defaults

You can control cookie preferences through your browser settings. Most browsers allow you to block or delete cookies. Disabling cookies may affect the functionality of our interactive tools.

Our site contains links to HSA providers, financial institutions, and other third-party websites. When you click an affiliate link, you leave HSA Orbit and are subject to the third party's privacy policy. We are not responsible for the privacy practices of external sites and encourage you to review their policies before providing personal information.

We use the following third-party services that may collect data independently: analytics providers for website traffic analysis, email delivery services for newsletter distribution, and cloud infrastructure providers for site hosting.

We implement industry-standard security measures to protect your information, including encrypted data transmission (TLS/SSL), secure cloud infrastructure, access controls for internal systems, and regular security reviews. While we take reasonable precautions, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.

We retain your personal data only for as long as necessary to fulfill the purposes described in this policy. Newsletter subscriptions remain active until you unsubscribe. Contact form data is retained for up to 24 months to support ongoing correspondence. Analytics data is aggregated and anonymized after 14 months.

Depending on your jurisdiction, you may have the following rights regarding your personal data:

• •Access: Request a copy of the personal data we hold about you
• •Correction: Request correction of inaccurate or incomplete data
• •Deletion: Request deletion of your personal data
• •Portability: Request your data in a structured, machine-readable format
• •Opt-out: Unsubscribe from marketing communications at any time

To exercise any of these rights, please contact us at [email protected]. We will respond to verified requests within 30 days.

HSA Orbit is not directed at children under 13 years of age. We do not knowingly collect personal information from children. If you believe a child has provided us with personal data, please contact us and we will delete it promptly.

We may update this privacy policy periodically to reflect changes in our practices, technology, or legal requirements. Material changes will be posted on this page with an updated revision date. We encourage you to review this policy periodically. Continued use of the site after changes constitutes acceptance of the updated policy.

If you have questions or concerns about this privacy policy or our data practices, please contact us:

• •Email: [email protected]
• •Subject line: Privacy Inquiry
• •Response time: Within 2 business days