Privacy Policy

Effective Date: October 1, 2025

Company Name: Compass Consultants LLC

Website: http://www.guidedbycompass.com

Contact: 412-455-8484

 

1. Overview

Compass Consultants LLC (“Compass Consultants,” “we,” “our,” or “us”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you:

• Visit our website

• Engage with our services (insurance consulting, Medicare guidance, business consulting)

• Communicate with us via phone, email, text message, or other channels

 

By using our services, you agree to the terms of this Privacy Policy.

 

2. Information We Collect

We may collect the following categories of information:

1. Personal Information

2. Name, address, phone number, and email address

3. Date of birth

4. Insurance-related information (coverage needs, preferences, enrollment data)

5. Business-related information (for employer group consulting)

6. Sensitive Information

Depending on the services provided, we may collect:

1. Health-related information

2. Prescription drug information

3. Financial or income-related data (for eligibility determinations)

Note: Sensitive information is only collected when necessary and with your consent.

 

 

Communication Data

1. Text messages, emails, and call logs

2. Notes from consultations or service interactions

Technical Data

1. IP address

2. Browser type and device information

3. Website usage data (via cookies or analytics tools)

 

3. How We Use Your Information

We use your information to:

• Provide personalized insurance and consulting services

• Assist with plan comparisons, enrollments, and renewals

• Respond to inquiries and provide customer support

• Communicate important updates, reminders, or service-related messages

• Comply with legal, regulatory, and carrier requirements

• Improve our services and client experience

4. Text Messaging & Communications

By providing your phone number, you consent to receive conversational and service-related text messages from Compass Consultants.

• Message frequency varies

• Message and data rates may apply

• You may opt out at any time by replying STOP or CANCEL

• Reply HELP for assistance

Note: We recommend not sharing sensitive personal or health information via text message. For secure discussions, please call us directly.

 

5. Sharing of Information

We do not sell your personal information.

We may share your information with:

A. Insurance Carriers & Partners

• To obtain quotes, process applications, and manage coverage

B. Service Providers

• CRM systems, communication platforms, and administrative vendors

• Only to the extent necessary to support our operations

C. Legal & Regulatory Authorities

• When required by law, subpoena, or regulatory compliance

 

6. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your information.

However, no method of transmission over the internet or electronic storage is 100% secure. We encourage you to use caution when sharing sensitive information.

 

7. HIPAA & Health Information

When applicable, Compass Consultants may handle Protected Health Information (PHI) in accordance with the Health Insurance Portability and Accountability Act (HIPAA).

PHI is used only for permitted purposes such as enrollment, coordination of care, and plan administration

We limit access to authorized personnel only

 

8. Your Rights & Choices

Depending on your location and applicable laws, you may have the right to:

• Access the personal information we hold about you

• Request corrections or updates

• Request deletion of your information (subject to legal obligations)

• Withdraw consent for communications

 

To exercise these rights, contact us at: 412-455-8484

 

9. Cookies & Website Tracking

Our website may use cookies or similar technologies to:

• Improve user experience

• Analyze website traffic

• Enhance functionality

You may disable cookies through your browser settings.

 

10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites.

 

11. Data Retention

We retain personal information only as long as necessary to:

• Fulfill the purposes outlined in this policy

• Comply with legal and regulatory requirements

• Maintain business and financial records

 

12. Children’s Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children.

 

13. Updates to This Policy

We may update this Privacy Policy from time to time. Updates will be posted on our website with a revised “Effective Date.”

 

14. Contact Information

If you have questions about this Privacy Policy or how your information is handled, please contact:

 

Compass Consultants LLC

Phone: 412-455-8484

Website: http://www.guidedbycompass.com

 

 

 

 

 

DISCLOSURES:

MEDICARE

Compass Consultants LLC is an independent insurance brokerage and is not affiliated with, endorsed by, or acting on behalf of the federal government or the Centers for Medicare & Medicaid Services (CMS).

We do not offer every plan available in your area. Currently, we represent a number of organizations which offer a variety of products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

The information we provide is limited to the plans we offer in your area. Plan availability, benefits, and premiums may vary by carrier and location.

For Medicare-related consultations, Compass Consultants LLC complies with all applicable Centers for Medicare & Medicaid Services (CMS) requirements, including the use of a Scope of Appointment (SOA) form when required.

The Scope of Appointment documents the specific topics a beneficiary has agreed to discuss during a scheduled meeting. No Medicare plan information will be discussed beyond what has been agreed upon in advance, unless a new Scope of Appointment is completed.

By engaging with our Medicare services, you acknowledge that you may be asked to complete a Scope of Appointment form prior to your consultation.

PENNSYLVANIA

Depending on your state of residence, you may have certain rights regarding your personal information under applicable privacy laws. These rights may include the ability to:

• Request access to the personal information we maintain about you

• Request correction of inaccurate or incomplete information

• Request deletion of your personal information, subject to legal and regulatory obligations

• Limit or object to certain types of data processing

Compass Consultants LLC will honor applicable state privacy laws as they evolve, including those enacted in states where we conduct business.

To submit a request related to your personal information, please contact us at 412-455-8484.

 

 

MESSAGING

By providing your phone number and opting into communications from Compass Consultants LLC, you consent to receive conversational, informational, and service-related text messages from us.

Message frequency may vary. Message and data rates may apply.

You may opt out at any time by replying STOP or CANCEL, or request assistance by replying HELP.

Consent to receive text messages is not a condition of purchase or service.

Compass Consultants LLC does not share, sell, or distribute your mobile opt-in information or consent to third parties for marketing purposes.

For sensitive matters involving personal, financial, or health-related information, we recommend contacting us directly by phone at 412-455-8484.

HIPAA and BAA

When Compass Consultants LLC performs services that involve the use or disclosure of Protected Health Information (PHI), we do so in compliance with the Health Insurance Portability and Accountability Act (HIPAA).

Where required, Compass Consultants LLC enters into Business Associate Agreements (BAAs) with applicable partners, vendors, and service providers to ensure that PHI is appropriately safeguarded and used only for permitted purposes.

We limit access to PHI to authorized individuals and maintain appropriate administrative, technical, and physical safeguards to protect such information.