Ascend Health Consultants — Health Insurance Made Simple

This Privacy Policy explains how Ascend Health Consultants ("Ascend," "we," "us," or "our") collects, uses, shares, and protects information when you visit our website or request a quote or consultation. By using our site, you agree to the practices described here.

1. Information We Collect

Information you provide

When you complete our quote request form, contact us, or speak with one of our licensed consultants, we may collect your name, email address, phone number, and any details you choose to share about your insurance needs — which may include information about your household, current coverage, and general health or eligibility circumstances relevant to obtaining a quote.

Information collected automatically

When you visit our site, we and our service providers may automatically collect certain technical information, such as your IP address, browser type, device information, pages viewed, referring website, and how you interact with the site. This is collected using cookies and similar technologies (see below).

Information from third parties

We may receive information from lead sources, advertising platforms, and insurance carriers or partners in connection with providing you quotes and coverage.

2. Cookies & Tracking Technologies

We use cookies and similar technologies to operate our site, understand traffic, and measure the performance of our marketing. This includes analytics and advertising tools such as the Meta (Facebook) Pixel.

These non-essential tracking technologies load only after you provide consent through the cookie banner shown when you first visit. You may decline, and you can continue to use the site normally. If you decline, the Meta Pixel and similar tools will not run.

The Meta Pixel helps us measure the effectiveness of our advertising and reach relevant audiences. You can learn more about how Meta uses data in Meta's Privacy Policy. Most browsers also let you manage or block cookies through their settings.

3. How We Use Your Information

To respond to your inquiries and provide insurance quotes and consultations;
To connect you with insurance carriers and help you compare and enroll in coverage;
To communicate with you about products, services, and your requests;
To operate, maintain, and improve our website and services;
To measure and improve our marketing and advertising (with your consent for tracking technologies);
To detect, prevent, and address fraud, security, or technical issues; and
To comply with applicable laws and regulatory obligations.

4. How We Share Your Information

We may share your information with:

Insurance carriers and partners, in order to obtain quotes and facilitate coverage you request;
Service providers who perform services on our behalf, such as website hosting, form processing, customer relationship management, analytics, communications, and advertising platforms (including Meta);
Legal and regulatory authorities, when required by law, subpoena, or to protect our rights, safety, or property; and
A successor entity, in connection with a merger, acquisition, or sale of assets.

We do not sell your personal information for money. Certain uses of advertising cookies (such as the Meta Pixel) may be considered "sharing" for cross-context behavioral advertising under some state laws; you can opt out of this by declining cookies in our banner. See "Do Not Sell or Share" below.

5. Communications & Consent

By submitting your information through our forms or otherwise providing your phone number, you agree that Ascend Health Consultants and its agents may contact you by phone call, text message, and email regarding insurance products and services — including through automated dialing or messaging technology — at the number and address you provide. Consent is not a condition of purchasing any product. Message and data rates may apply, and message frequency may vary. You can opt out of text messages at any time by replying STOP, and you can opt out of marketing emails using the unsubscribe link in those emails.

6. Data Retention

We retain personal information for as long as necessary to provide our services, comply with our legal and regulatory obligations, resolve disputes, and enforce our agreements. When information is no longer needed, we take reasonable steps to delete or de-identify it.

7. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect your information. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

8. Your Privacy Rights

Depending on where you live, you may have rights regarding your personal information, including the right to request access to, correction of, or deletion of your information, and the right to opt out of certain uses.

California residents: Under the California Consumer Privacy Act (as amended by the CPRA), you may have the right to know what personal information we collect, use, and disclose; to request deletion or correction; to opt out of the "sale" or "sharing" of your personal information; and to not be discriminated against for exercising these rights.

Residents of other states with comprehensive privacy laws may have similar rights. To exercise any of these rights, contact us using the details in the "Contact Us" section. We will verify your request as required by law before responding.

9. Do Not Sell or Share My Personal Information

We do not sell your personal information for monetary value. To opt out of the use of advertising cookies and similar technologies (which may be treated as "sharing" for cross-context behavioral advertising), select Decline on our cookie banner, or clear your saved preference and choose Decline. You may also contact us to submit an opt-out request.

10. Health-Related Information

As an insurance brokerage, we may collect limited information relevant to your eligibility for coverage. We treat this information as sensitive and use it only to help you obtain quotes and coverage, or as otherwise permitted by law. Coverage, enrollment, and claims are ultimately governed by the insurance carrier you select and their own privacy practices.

11. Children's Privacy

Our website and services are intended for adults and are not directed to children under 18. We do not knowingly collect personal information from children. If you believe a child has provided us information, please contact us and we will take appropriate steps to delete it.

12. Third-Party Links

Our site may contain links to third-party websites and services, including insurance carriers. We are not responsible for the privacy practices of those third parties, and we encourage you to review their privacy policies.

13. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Effective date" above. Your continued use of the site after changes take effect constitutes acceptance of the updated policy.

14. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, you can reach us at:

Ascend Health Consultants
Email: privacy@ascendhealthconsultants.com
Or use the contact form on our website.

These Terms & Conditions ("Terms") govern your access to and use of the website and services of Ascend Health Consultants ("Ascend," "we," "us," or "our"). Please read them carefully. By accessing or using our site, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing or using this website, requesting a quote, or communicating with us, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use our site or services.

2. About Our Services

Ascend Health Consultants is a licensed insurance brokerage. We help individuals and families compare and enroll in health and related insurance products offered by third-party insurance carriers. We are not an insurance company. We do not issue policies, underwrite coverage, or pay claims. Any policy you purchase is a contract between you and the issuing carrier, and the carrier's terms, conditions, and pricing govern that coverage.

3. No Professional Advice

The content on our website is provided for general informational purposes only and does not constitute insurance, legal, financial, tax, or medical advice. Insurance needs vary by individual circumstance. You should evaluate your own situation and, where appropriate, consult a qualified professional before making coverage decisions.

4. Eligibility

You must be at least 18 years old and a resident of the United States to use our services. By using the site, you represent that you meet these requirements and that the information you provide is accurate and complete.

5. Licensing

Ascend Health Consultants is licensed to transact insurance in the states where it conducts business. Products and availability vary by state. A list of the states in which we are licensed is available upon request.

6. Quotes & Accuracy

Any quotes, premium estimates, or plan details presented through our site or by our consultants are estimates based on the information available and are not a guarantee of coverage or final pricing. Final eligibility, rates, and terms are determined by the insurance carrier through its own underwriting and enrollment process.

7. Your Responsibilities

You agree to provide accurate, current, and complete information and to use our website only for lawful purposes. You agree not to misuse the site, interfere with its operation, attempt to gain unauthorized access to any systems or accounts, or use any automated means to access the site in a manner that burdens our infrastructure.

8. Communications Consent

By submitting your information or providing your contact details, you consent to be contacted by Ascend Health Consultants and its agents by phone, text message, and email — including through automated technology — regarding insurance products and services. Consent is not a condition of purchase. Message and data rates may apply. You may opt out of text messages by replying STOP and opt out of marketing emails via the unsubscribe link. See our Privacy Policy for details.

9. Intellectual Property

All content on this website — including text, graphics, logos, the Ascend name and marks, and design — is owned by or licensed to Ascend Health Consultants and is protected by applicable intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from our content without our prior written permission.

10. Third-Party Links & Services

Our site may link to or interact with third-party websites and services, including insurance carriers and technology providers. We do not control and are not responsible for the content, products, or practices of those third parties. Your use of third-party services is governed by their own terms and policies.

11. Disclaimers

Our website and services are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be uninterrupted, error-free, or free of harmful components, or that any information provided is complete or current.

12. Limitation of Liability

To the fullest extent permitted by law, Ascend Health Consultants and its owners, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or data, arising out of or related to your use of (or inability to use) our website or services. Our total liability for any claim relating to the site or services will not exceed the amount you paid us, if any, for the services giving rise to the claim.

13. Indemnification

You agree to indemnify and hold harmless Ascend Health Consultants and its owners, employees, and agents from any claims, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of your use of the site, your violation of these Terms, or your violation of any rights of a third party.

14. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws principles. You agree that any dispute arising out of or relating to these Terms or your use of our services will be subject to the exclusive jurisdiction of the state and federal courts located in Florida, unless otherwise required by applicable law.

15. Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the "Effective date" above. Your continued use of the site after changes take effect constitutes acceptance of the updated Terms.

16. Contact Us

If you have questions about these Terms, you can reach us at:

Ascend Health Consultants
Email: legal@ascendhealthconsultants.com
Or use the contact form on our website.

Health insurance, the way it should be.

Coverage that moves with you.

The nation's top insurance partners.

Three steps to better coverage.

Ready for coverage that actually works?

Privacy Policy