Terms of Use
Last updated: [Month Year]
These terms govern your use of www.ascendinsuranceplanning.com (the "Site"), operated by Ascend Insurance Planning ("Ascend," "we," "us"). By using the Site you agree to them. If you do not agree, please do not use the Site.
Informational content only
Everything on this Site — including the plan descriptions, enrollment dates, and FAQ answers — is general information about insurance products. It is not insurance advice for your specific situation, and it is not legal, tax, or medical advice. Coverage rules, plan availability, and enrollment windows vary by state, carrier, and plan year, and they change. Talk to a licensed Ascend advisor before making a coverage decision.
No offer, and no guarantee of coverage
Nothing on this Site is an offer of insurance, a binder, or a guarantee that coverage will be issued. Coverage exists only once a carrier approves an application and issues a policy, and the policy document controls in every case. Submitting the quote form does not create coverage and does not obligate you to buy anything.
Licensing and product availability
Ascend is an independent insurance agency licensed in [list of licensed states]. We do not offer every plan available in your area, and we can only place coverage in states and product lines where we hold an active license and carrier appointment.
Medicare disclosure
This Site is not affiliated with or endorsed by the U.S. government or the federal Medicare program. For official Medicare information, visit Medicare.gov or call 1-800-MEDICARE.
Your use of the Site
- Use the Site only for lawful purposes and for your own genuine insurance inquiry.
- Do not submit false information, or another person's information without their permission.
- Do not attempt to interfere with the Site, scrape it at a disruptive rate, or use automated means to submit the quote form.
- Do not send us detailed medical records or sensitive identifiers (such as a Social Security number) through the quote form.
Intellectual property
The Ascend name, logo, and the text and design of this Site are owned by Ascend Insurance Planning or used under license, and may not be copied or reused without written permission.
Third-party links
We link to outside resources such as Medicare.gov and HealthCare.gov for your convenience. We don't control those sites and aren't responsible for their content or their privacy practices.
Disclaimer and limitation of liability
The Site is provided "as is," without warranties of any kind, express or implied. To the fullest extent permitted by law, Ascend is not liable for any indirect, incidental, or consequential damages arising from your use of the Site or reliance on its content. Nothing here limits any liability that cannot be limited under applicable law.
Privacy
Our handling of the information you submit is described in our Privacy Policy.
Changes
We may update these terms; the "Last updated" date above will change when we do. Continuing to use the Site after an update means you accept the revised terms.
Governing law
These terms are governed by the laws of the State of Illinois, without regard to its conflict-of-law rules.
Contact us
Ascend Insurance Planning
544 N. Milwaukee Ave, Chicago, IL 60642
708.390.0034 ·
Insurance@AscendPlanningNetwork.com
Note for the Ascend team — remove before launch. This is standard boilerplate, flagged in §3 of the build spec as a recommended addition rather than drafted content. It is not legal advice. Have counsel or your E&O carrier review it — particularly the licensing, Medicare-disclosure, and limitation-of-liability sections — and resolve every bracketed placeholder before publishing.