Terms and Conditions of Use

These Terms and Conditions of Use ("Agreement") are a legal agreement between you and Samaritan Ministries International ("Samaritan Ministries"). By registering for REDEEM HealthShare, a ministry of Samaritan Ministries, and the software platform provided at REDEEMHealthShare.Org, you agree to be bound by all the terms (the "Terms") set forth in this Agreement. IF YOU DO NOT AGREE TO THE TERMS, PLEASE DO NOT SET UP A USER ACCOUNT.

BY CLICKING THE "I AGREE", YOU AGREE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO BE BOUND BY THE TERMS. THIS AGREEMENT INCLUDES A BINDING ARBITRATION CLAUSE IN SECTION 15. THE MOST CURRENT VERSION OF THE TERMS, WHICH SUPERSEDES ALL PREVIOUS VERSIONS, CAN BE REVIEWED BY GOING TO RedeemHealthShare.Org/Terms-Conditions. SAMARITAN MINISTRIES MAY CHANGE THE TERMS AT ANY TIME AND YOUR CONTINUED USE OF THE SERVICES IS YOUR CONSENT TO ANY SUCH POSTED CHANGES. Last updated on January 28, 2025.

  1. Services. Your user account provides access to a software platform that enables you to participate in the burden bearing ministry of Samaritan Ministries by enabling you to manage your health care sharing user account, submit need requests, and communicate with other members. Additional terms apply to certain services.
  2. Support. Samaritan Ministries provides support to REDEEM HealthShare members. You may contact member support at 877-641-1579 or at Members.RedeemHealthShare.Org/Contact-Us. Samaritan Ministries will work with you and our service providers to correct issues in accordance with the applicable Terms and REDEEM HealthShare Sharing Guidelines (“Guidelines”). It is important that you notify Samaritan Ministries of any issues, such as transaction or billing issues, without undue delay. Delay of more than 20 days may compromise Samaritan Ministries’ ability to address such issues.
  3. Account Information. Any information you provide to Samaritan Ministries, directly or through service providers, must be true and accurate at the time you create your account. You must be (1) at least 18 years old, (2) a legal resident of the United States, and (3) a member or applicant for membership of Samaritan Ministries REDEEM HealthShare. You must provide us with your first name, last name, deliverable email address, valid postal address, and phone number. You may be required to provide additional information to permit us to verify your identity. You hereby authorize Samaritan Ministries, directly or through service providers, to make any inquiries we consider necessary to validate your identity and personal information. You must update your personal information so that it remains true and accurate during your membership. If you fail to update this information, we may suspend or terminate your account. You are responsible for maintaining the security of your password.
  4. User Conduct. You will not (1) attempt to gain unauthorized access to the website or the servers and network associated with the platform, (2) circumvent or attempt to circumvent any security or access control technology implemented on the website, or the servers and network associated with the website, (3) use the website in any manner designed to degrade the performance or functioning of the website, including, without limitation, launching denial-of-service attacks against the website, and (4) use the services or platform for any purpose other than health care sharing, as described in Section 1. Samaritan Ministries may, but is not obligated to, immediately suspend any user that Samaritan Ministries, in its sole discretion, believes: (a) violated this Agreement or the Guidelines, (b) are unauthorized, fraudulent, or illegal, or (c) exposes you, another member, Samaritan Ministries, or others to risks unacceptable to Samaritan Ministries. You understand that you may be liable for losses incurred by Samaritan Ministries, service provider, or other member due to an unauthorized party using your login information, password, or account. You agree not to use anyone else’s name, password, or account to access the Site at any time without the express permission and consent of such party. You acknowledge that Samaritan Ministries is not liable for any loss or damage arising from your failure to comply with these obligations.
  5. Organization Users. If you use the services on behalf of an organization, you represent that you are duly authorized to bind the organizational entity on whose behalf you purport to accept this Agreement and access the services and platform. Samaritan Ministries may require additional information related to beneficial ownership, organizational control, and representative identity. This additional information may include copies of government-issued identification, business licenses, financial information, or other information related to your business and its beneficial owners or principals.
  6. Fees. You agree to pay administrative fees as described in the Guidelines and displayed on the platform. Samaritan Ministries may revise the fees in accordance with the Guidelines.

  7. Transactions. Any funds transferred using the REDEEM HealthShare platform are transferred by you to one or more financial institutions or payment processors, depending on the method of payment. Samaritan Ministries provides a communications platform for you to relay transfer instructions to your Financial Institution, or its agent, and for you to receive information regarding members’ transfers. Samaritan Ministries will communicate your requests through service providers to initiate a transfer. For example, Samaritan Ministries will communicate your requests to your Financial Institution for an Automated Clearing House (“ACH”) transaction or to a payment processor for credit card or debit card transactions. Such transactions may be governed by additional terms between you and your Financial Institution, payment processor, and/or service provider. By using any such card or payment provider, you are hereby representing and warranting your full right and authority to make such transaction in the manner elected without violating any applicable law, rule, or regulation.

    You authorize Samaritan Ministries to communicate your transfer instructions as displayed on the platform. Any payment instruction provided to Samaritan Ministries or activity performed in connection with your sharing funds account (including electronic funds transfers, ACH transactions, or credit card transactions) using the services shall be deemed authorized and valid and a financial institution will be under no obligation to investigate the instruction or activity. SAMARITAN MINISTRIES SHALL BE ENTITLED TO RELY ON THE AUTHORITY OF AND TO ACT ON ALL INSTRUCTIONS ACCOMPANIED BY YOUR PASSWORD.

    For ACH transactions, the Financial Institution will debit a linked bank account for the payment, which will appear as “SAMARITAN MEMBER.” The Financial Institution will then remit the funds to a designated member funds account for the benefit of the receiving member or a medical provider. You may view the transaction status through the software platform. Because this is an electronic transaction, funds may be withdrawn from your linked bank account as soon as you click “Send Share” (or similar language) on the platform.

    You will not dispute, unless permitted by applicable law and regulations, the Financial Institution, service provider, or other authorized third party debiting your linked bank account, so long as the transaction corresponds to the terms displayed on the platform. You are also responsible for any penalties or fines imposed by the Financial Institution or a service provider resulting from your use of the services in a manner not permitted by this Agreement or applicable law, rules, and regulations.

  8. Service Providers. Service providers also play an important role in REDEEM HealthShare. Service providers may provide services including identity verification, compliance monitoring, risk mitigation and management, managing your transfer instructions, and other services related to the services and platform. Service providers may act on Samaritan Ministries’ behalf, perform our obligations, or enforce our rights under this Agreement. Samaritan Ministries International works with the following service providers to enable the services and the platform:

    Provider Services Provided Information Shared Contact Information
    Sharable, LLC Sharable provides the setup, identity verification, sharing funds account creation, and electronic transfers of funds as agent of the Financial Institution. In limited instances, Sharable may act as a temporary fiduciary while identity verification is processing. Transaction amount, sending member biographical and financial information, receiving member biographical and financial information Info@Sharable.Life
    America's Christian Credit Union ("Financial Institution") Financial Institution holds and transfers funds to and from a linked bank account and your sharing funds account. Transaction amount, sending member biographical and financial information, receiving member biographical and financial information Privacy@AmericasChristianCU.Com

    1-800-343-6328
    Celero Commerce, LLC; TransnationalBankcard, LLC; BMO Harris Bant, N.A. Celero and related entities provide credit and debit card payment processing. Transaction amount, sending member biographical and financial information, receiving member biographical and financial information Privacy@CeleroCommerce.Com

    1-844-423-5376
  9. Limitations of Liability and Indemnification. By using the services provided by Samaritan Ministries, you agree that Samaritan Ministries, its officers, employees, agents, affiliates, licensees, and web hosting services will not be liable for any direct or indirect, incidental, special, or consequential damages because of your using any of the services available. Your sole remedy for any breach or default of this Agreement by Samaritan Ministries shall be a return of any fees paid to Samaritan Ministries for any services provided under this Agreement. You agree to indemnify SMI, its officers, employees, agents, affiliates, and third parties for any losses, costs, liabilities, and expenses relating to or arising out of your breach of this Agreement.
  10. Right to Monitor. Samaritan Ministries may, but is not obligated to, monitor materials posted in any public area or sent through the platform, and may remove any information deemed offensive by our staff. You remain solely responsible for your use of any information contained on the site.
  11. Personal Data. Samaritan Ministries will collect, use, maintain, protect, and disclose your household’s personal information (including sensitive health and financial information) as described in our Privacy Notice and our Consumer Health Data Privacy Notice, which Samaritan Ministries may change from time to time.
  12. Termination. You may terminate this Agreement by terminating your membership with Samaritan Ministries REDEEM HealthShare as set forth in the Guidelines. Samaritan Ministries may terminate this Agreement at any time, for any reason or no reason at all, without notice. Upon termination, Sections 9 and 10-21 survive. If you leave any funds dormant in your member funds account and we are unable to contact you, Samaritan Ministries may be required by law to work with its service providers to deliver such funds to various unclaimed property government offices.
  13. Ownership, Copyrights, Trademarks, Licenses. Samaritan Ministries owns and retains all proprietary rights to the Samaritan Ministries services, trademarks, and copyrights. Except for any information that is in the public domain, you are not authorized to reproduce, transmit, or distribute the proprietary information of Samaritan Ministries. By posting information to Samaritan Ministries, you represent that you have the right to grant permission for use by Samaritan Ministries.
  14. No Warranties. Samaritan Ministries provides services on an "as is" basis and does not make any warranty, express, implied, limited, or other with respect to the services provided. Specifically, Samaritan Ministries does not warrant that the services will always be available, be uninterrupted, be error free, meet your requirements, or that any defects in the services will be corrected.
  15. BINDING ARBITRATION. The parties to this Agreement are Christians and believe that the Bible commands them to make every effort to live at peace and to resolve disputes with each other in private or within the Christian church (see Matthew 18:15-20; 1 Corinthians 6:1-8). Therefore, the parties agree that any claim or dispute arising from or related to this Agreement, or against Samaritan Ministries, its members, staff, officers, or directors, shall be settled by biblically-based mediation and, if necessary, legally binding arbitration in accordance with the Rules of Procedure for Christian Conciliation of the Institute for Christian Conciliation (complete text of the Rules is available at AORHope.Org/ICC-Rules or by contacting ICC at ICC@AORHope.Org) under the laws of Illinois and the United States as provided in Section IV of the Guidelines, and give up any right to sue in civil court. Judgment upon an arbitration decision may be entered in any court otherwise having jurisdiction. The parties understand that these methods shall be the sole remedy for any controversy or claim arising out of this Agreement and expressly waive their right to jury and their right to file a lawsuit in any civil court against one another for such disputes, except to enforce an arbitration decision, and expressly waive their right to jury and their right to file a lawsuit in any civil court against one another for such disputes, except to enforce an arbitration decision.
  16. Severability. If any provision is found to be invalid, the remaining provisions will be in full force and effect.
  17. Entire Agreement. This Agreement constitutes your entire Agreement with Samaritan Ministries with respect to any services.
  18. Waiver. The failure of the website or Samaritan Ministries to exercise or enforce any right or provision of this Agreement shall not operate as a waiver of such right or provision. Any waiver of this Agreement by the website or Samaritan Ministries must be in writing and signed by an authorized representative of Samaritan Ministries.
  19. Amendments. Samaritan Ministries may amend this Agreement or make changes to the services, such as to comply with applicable laws, regulations, and the operating rules applicable to payment transactions. Samaritan Ministries may change the terms of this Agreement at any time, solely with future effect, by posting an updated version of this Agreement to RedeemHealthShare.Org/Terms-Conditions
  20. SMS Text Messaging. You may select to receive text messages for certain features related to the services, such as notifications, sharing, or multi-factor authentication. By enabling these features, you consent to receive automated SMS text messages at the phone number(s) associated with your account from or on behalf of Samaritan Ministries. Message and data rates may apply. You may revoke your consent, either in whole or in part, at any time. This revocation can be made by disabling SMS text messages from your account settings, replying “STOP” to a text message, or contacting Member Services Members.RedeemHealthShare.Org/Contact-Us.
  21. Electronic Communications. Clicking “I agree” constitutes your electronic signature. You consent to electronic provision of all disclosures and notices from Samaritan Ministries, including those required by law. You also agree that your electronic consent will have the same legal effect as a physical signature. Certain notices may only be displayed on the platform and others may be emailed to you. You may withdraw your consent to electronic communications by disabling your user account.