Our Commitment to Your Privacy
At AMME Health, we understand that your healthcare and financial information is deeply personal. This Privacy Policy explains how we collect, use, protect, and share your information when you use our services.
Effective Date: January 23, 2026
Last Updated: January 23, 2026
Information We Collect
Personal Information
- Name, email address, phone number, and mailing address
- Date of birth and demographic information
- Insurance information and policy details
- Financial account information (HSA, FSA, bank accounts)
Health Information
- Medical receipts and healthcare expense records
- Treatment information and provider details
- Insurance claims and reimbursement data
- Health spending patterns and forecasting data
Technical Information
- Device information and IP addresses
- Usage data and app interactions
- Cookies and similar tracking technologies
- Location data (with your permission)
How We Use Your Information
Core Services
- Process and submit insurance claims on your behalf
- Track healthcare expenses and generate financial reports
- Facilitate HSA and FSA reimbursements
- Provide bill negotiation and advocacy services
- File grievances with state health departments when appropriate
Communication & Support
- Send service updates and claim status notifications
- Provide customer support and technical assistance
- Share educational content about healthcare finances
- Conduct surveys and gather feedback to improve our services
Legal & Compliance
- Comply with healthcare regulations and legal requirements
- Prevent fraud and ensure platform security
- Respond to legal requests and protect our rights
Information Sharing
We never sell your personal or health information to third parties.
When We May Share Information
- With Your Consent: When you explicitly authorize us to share information
- Service Providers: With trusted partners who help us deliver our services (under strict confidentiality agreements)
- Insurance Companies: To process claims and obtain reimbursements on your behalf
- Healthcare Providers: When necessary for claim processing or bill negotiation
- Legal Requirements: When required by law, court order, or to protect safety
- Business Transfers: In the event of a merger or acquisition (with continued privacy protections)
Data Security & Protection
We implement industry-leading security measures to protect your information:
- Encryption: All data is encrypted in transit and at rest using AES-256 encryption
- Access Controls: Strict role-based access with multi-factor authentication
- Regular Audits: Ongoing security assessments and penetration testing
- HIPAA Compliance: Full compliance with healthcare privacy regulations
- Secure Infrastructure: Cloud hosting with enterprise-grade security controls
- Employee Training: Regular privacy and security training for all staff
Your Privacy Rights
You have the following rights regarding your personal information:
Access & Portability
- Request copies of your personal data
- Export your information in a portable format
- Review how your data is being used
Control & Correction
- Update or correct inaccurate information
- Delete your account and associated data
- Opt out of marketing communications
Transparency
- Know what information we collect
- Understand how we use your data
- See who we share information with
Restriction
- Limit how we process your data
- Object to certain uses of your information
- Withdraw consent at any time
Data Retention
We retain your information only as long as necessary to provide our services and comply with legal obligations:
- Active Accounts: Information is retained while your account is active
- Closed Accounts: Most data is deleted within 90 days of account closure
- Legal Requirements: Some records may be retained longer to comply with healthcare regulations
- Financial Records: Tax-related information may be retained for up to 7 years
Children's Privacy
AMME Health is designed for adults managing healthcare finances. We do not knowingly collect personal information from children under 13. If we become aware that we have collected information from a child under 13, we will take steps to delete that information promptly.
Parents or guardians may use AMME Health to manage healthcare expenses for their minor children, but the account must be created and managed by an adult.
International Users
AMME Health is currently designed for users in the United States. If you are accessing our services from outside the US, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located.
By using our services, you consent to the transfer of your information to the United States and acknowledge that US privacy laws may differ from those in your country.
Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make changes:
- We will update the "Last Updated" date at the top of this policy
- We will notify you of material changes via email or app notification
- We will provide at least 30 days' notice before significant changes take effect
- Your continued use of our services after changes take effect constitutes acceptance
Contact Us
If you have questions about this Privacy Policy or how we handle your information, please reach out to us through our contact page:
AMME Health Inc.
Legal Department
San Francisco, CA