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Last Updated: July 16, 2026
Health Over Wealth is a free newsletter and content platform published by Suzy Wraines and Business Simplified ("we," "us," "our"). Health Over Wealth is designed to educate readers about cash-based, client-centered healthcare options in the United States and to help readers connect with practitioners listed in the Centered Care Directory.
By subscribing to Health Over Wealth, visiting how.healthcare or otherwise accessing our content, you agree to these Terms of Service. If you do not agree, please do not use this site or subscribe to our newsletter.
Health Over Wealth is provided for general educational and informational purposes only. Nothing on this site, in our newsletter issues, or in any linked content constitutes:
Medical advice, diagnosis, or treatment
Financial, tax, insurance, or legal advice
A recommendation or endorsement of any specific practitioner, treatment, or course of action
You should always consult a qualified healthcare professional, licensed financial advisor, or attorney regarding your specific situation before making healthcare or financial decisions. Never disregard professional medical advice or delay seeking it because of something you read here.
Reading this newsletter, browsing this site, or searching the Centered Care Directory does not create a doctor-patient, therapist-client, or any other professional relationship between you and Health Over Wealth, Suzy Wraines, or the Centered Care Directory.
Health Over Wealth may reference or link to the Centered Care Directory (how.healthcare), a separate, independently operated listing of cash-based and hybrid healthcare practitioners. We do our best to feature practitioners who have been reviewed as part of the directory application process, but:
We do not guarantee the outcomes, credentials, or fitness of any listed practitioner for your specific needs
Your decision to contact or work with any practitioner is made at your own discretion and risk
Any relationship you enter into with a practitioner found through the directory is strictly between you and that practitioner
This newsletter is intended for U.S. residents age 18 and older. By subscribing, you represent that you meet this requirement.
By subscribing, you agree to receive periodic newsletter emails from Health Over Wealth. You may unsubscribe at any time using the link at the bottom of any email or by contacting us at [email protected]. Unsubscribing stops future newsletter emails; it does not affect any separate accounts or listings you may hold elsewhere.
All content published in Health Over Wealth — including articles, graphics, and original material — is owned by Suzy Wraines and Business Simplified unless otherwise credited. You may share links to our content but may not republish, copy, or distribute substantial portions of our content without written permission.
Our newsletter and site may link to third-party websites, including practitioner websites and the Centered Care Directory. We are not responsible for the content, privacy practices, or accuracy of information on any third-party site.
Health Over Wealth is provided "as is" without warranties of any kind, express or implied. We do not guarantee that content is error-free, complete, or current at all times.
To the fullest extent permitted by law, Suzy Wraines and Business Simplified shall not be liable for any indirect, incidental, or consequential damages arising from your use of this newsletter or site, or from any healthcare or financial decisions made based on its content.
We may update these Terms of Service from time to time. Continued use of the newsletter or site after changes are posted constitutes acceptance of the revised terms.
Questions about these terms can be sent to [email protected].
When you subscribe to Health Over Wealth, we collect:
Email address — required to send you the newsletter
Engagement data — such as open rates and link clicks, collected automatically through our email platform (Beehiiv)
Any information you voluntarily provide — for example, through surveys, polls, or replies to our emails
We do not knowingly collect sensitive health information about you. Any health-related content you share with us is shared voluntarily and is not stored as part of a medical record.
We use the information we collect to:
Send you the Health Over Wealth newsletter
Understand what content resonates with readers (in aggregate, not individually)
Respond to questions or replies you send us
Improve our content and site
We do not sell your personal information.
We use Beehiiv to host our newsletter, manage subscriptions, and send emails. Beehiiv processes your email address and engagement data on our behalf, subject to Beehiiv's own privacy policy. We encourage you to review Beehiiv's privacy practices at beehiiv.com.
We may also use standard website analytics tools to understand site traffic in aggregate. These tools may use cookies or similar technologies.
Our site may use cookies to support basic site functionality and analytics. You can control cookies through your browser settings; disabling cookies may affect some site features.
We do not share your personal information with third parties except:
With service providers (such as Beehiiv) who help us operate the newsletter
If required by law
With your consent
We retain your email address and subscription data for as long as you remain subscribed. If you unsubscribe, your information is removed from active sending lists in accordance with Beehiiv's data practices.
You may:
Unsubscribe at any time via the link in any newsletter email
Request access to, correction of, or deletion of your personal information by emailing [email protected]
Opt out of non-essential cookies through your browser settings
Health Over Wealth is not directed at individuals under 18, and we do not knowingly collect information from minors.
Depending on your state of residence, you may have additional rights regarding your personal information, including the right to know what information we collect and to request deletion. To exercise these rights, contact [email protected].
We may update this Privacy Policy periodically. The "Last Updated" date at the top of this page reflects the most recent revision.
Questions about this Privacy Policy can be sent to [email protected].