Terms & Conditions

Effective Date: October 1, 2025

Company Name: Compass Consultants LLC

Website: http://www.guidedbycompass.com

Phone: 412-455-8484

 

1. Acceptance of Terms

By accessing this website, engaging with our services, or communicating with Compass Consultants LLC (“Compass Consultants,” “we,” “our,” or “us”), you agree to be bound by these Terms & Conditions.

If you do not agree, please do not use our services.

 

2. Nature of Services

Compass Consultants LLC provides:

• Insurance consulting (health, life, accident)

• Medicare guidance and plan education

• Individual (ACA) and group benefits consulting

• General advisory and support services

We act as an independent insurance brokerage and not as an insurance carrier.

 

3. No Guarantee of Coverage or Outcomes

While we strive to guide you to appropriate options:

• We do not guarantee plan approval, pricing, or eligibility

• Insurance carriers make final underwriting and coverage decisions

• Plan benefits, premiums, and availability may change at any time

 

4. Medicare Disclaimer

Compass Consultants LLC 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.

 

5. Scope of Appointment (Medicare)

For Medicare-related consultations:

• A Scope of Appointment (SOA) may be required prior to discussing plan options

• Discussions will be limited to the topics agreed upon in advance

• Additional topics may require a new SOA

By proceeding with Medicare services, you acknowledge and agree to these requirements.

 

6. User Responsibilities

You agree to:

• Provide accurate and complete information

• Notify us of any changes to your personal or eligibility information

• Review all plan documents and disclosures carefully

• Make final decisions regarding your coverage

 

7. Communications & Consent (TCPA / A2P Compliance)

By providing your contact information, including your phone number, you agree to receive communications from Compass Consultants, including:

• Calls, emails, and text messages related to your inquiry or services

Text Messaging Terms:

• Message frequency varies

• Message and data rates may apply

• Reply STOP or CANCEL to opt out

• Reply HELP for assistance

 

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

We do not sell or share mobile opt-in data with third parties for marketing purposes.

 

 

 

8. Sensitive Information

We recommend that you do not share sensitive personal, financial, or health information via text message or unsecured channels.

For sensitive matters, please contact us directly at 412-455-8484.

 

9. Privacy

Your use of our services is also governed by our Privacy Policy. The most current Privacy Policy is available on our website:

Please review it here: http://www.guidedbycompass.com

 

10. Third-Party Relationships

We may work with:

• Insurance carriers

• Service providers and vendors

We are not responsible for:

• Carrier decisions

• Third-party policies, practices, or actions

 

11. HIPAA & Health Information

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

• Information is used only for permitted purposes

• Access is limited to authorized individuals

• Appropriate safeguards are maintained

 

12. Business Associate Agreements (BAA)

Where required, Compass Consultants enters into Business Associate Agreements with applicable partners and vendors to ensure compliance with HIPAA and protection of PHI.

 

13. Intellectual Property

All content on this website, including:

 

• Text

• Branding

• Graphics

• Materials

is the property of Compass Consultants LLC and may not be copied, reproduced, or distributed without permission.

 

14. Limitation of Liability

To the fullest extent permitted by law:

Compass Consultants LLC shall not be liable for:

• Any indirect, incidental, or consequential damages

• Decisions made based on information provided

• Changes in insurance plans, pricing, or availability

Your use of our services is at your own discretion.

 

15. Indemnification

You agree to indemnify and hold harmless Compass Consultants LLC from any claims, damages, or liabilities arising from:

• Your use of our services

• Your failure to provide accurate information

• Your violation of these Terms

16. Termination of Services

We reserve the right to:

• Refuse or terminate services at our discretion

• Do so in compliance with applicable laws and regulations

17. Changes to Terms

We may update these Terms & Conditions at any time.

Updates will be posted with a revised Effective Date.

 

18. Governing Law

These Terms & Conditions are governed by the laws of the Commonwealth of Pennsylvania, without regard to conflict of law principles.

 

19. Contact Information

Compass Consultants LLC

Phone: 412-455-8484

Website: http://www.guidedbycompass.com

 

20. Dispute Resolution & Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms & Conditions or the services provided by Compass Consultants LLC shall be resolved through binding arbitration, rather than in court, except where prohibited by law.

Arbitration shall be administered by a mutually agreed-upon arbitration provider and conducted in accordance with its applicable rules.

The arbitration shall take place in Allegheny County, Pennsylvania, and judgment on the arbitration award may be entered in any court having jurisdiction.

Each party shall bear its own legal fees and costs unless otherwise required by applicable law or determined by the arbitrator.

By agreeing to these Terms, you waive your right to a trial by jury and to participate in a class action lawsuit.

 

21. Limitation of Damages

To the fullest extent permitted by law, Compass Consultants LLC’s total liability for any claims arising out of or related to the use of our services shall be limited to the greater of:

• The amount paid (if any) by you for services provided by Compass Consultants LLC within the twelve (12) months preceding the event giving rise to the claim, or

• $500

Under no circumstances shall Compass Consultants LLC be liable for any indirect, incidental, consequential, special, or punitive damages, including but not limited to loss of profits, loss of data, or loss of business opportunities.

 

 

 

 

22. Jurisdiction & Venue

To the extent that any dispute is not subject to arbitration, you agree that such dispute shall be resolved exclusively in the state or federal courts located in Allegheny County, Pennsylvania.

You consent to the personal jurisdiction of such courts and waive any objections to venue or inconvenient forum.

 

23. Electronic Communications & Signatures

By engaging with Compass Consultants LLC, including through our website, forms, email, or text messaging, you consent to the use of electronic communications and electronic signatures.

You agree that electronic agreements, disclosures, and signatures have the same legal effect as physical, written documents and handwritten signatures.

You further agree that records of your electronic consent, including timestamps, IP addresses, and communication logs, may be maintained by Compass Consultants LLC and used as evidence of your agreement where permitted by law.

 

24. Record Retention

Compass Consultants LLC maintains records of client interactions, communications, and transactions in accordance with applicable legal, regulatory, and business requirements.

Such records may include, but are not limited to:

• Client-provided information

• Plan selections and enrollment documentation

• Communications via phone, email, or text

Records are retained for a period deemed necessary to:

• Comply with insurance, Medicare, and regulatory requirements

• Support business operations

• Resolve disputes and enforce agreements

 

After such period, records may be securely deleted or anonymized in accordance with our data retention policies.