Terms of Service

Agreement to Terms

By accessing or using the website ascendbenefitscg.com (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree with any part of these Terms, please discontinue use of the Site immediately.

These Terms apply to all visitors, users, and others who access or use the Site.

About Our Services

Ascend Benefits Consulting Group ("Ascend Benefits," "we," "us," or "our") is an independent employee benefits consulting firm. We specialize in level-funded and self-funded ERISA health plans, reference-based pricing strategies, and preventive care programs for employers with 2–250 employees.

The information provided on this Site is for general informational purposes only and does not constitute legal, financial, tax, or insurance advice. All benefits plans and strategies should be reviewed with qualified professionals in accordance with your specific business circumstances.

Use of the Site

You agree to use this Site only for lawful purposes and in a manner that does not infringe the rights of others. You may not:

• Use the Site in any way that violates applicable local, state, national, or international law
• Transmit any unsolicited or unauthorized advertising or promotional material
• Attempt to gain unauthorized access to any portion of the Site or its related systems
• Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Site
• Reproduce, duplicate, copy, sell, or exploit any portion of the Site without our express written permission

Intellectual Property

All content on this Site — including but not limited to text, graphics, logos, images, and the compilation thereof — is the property of Ascend Benefits Consulting Group and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our express written consent.

Contact Form and Communications

When you submit information through our contact form or request a free benefits analysis, you acknowledge that:

• The information you provide is accurate to the best of your knowledge
• Submission of the form does not create an attorney-client, advisor-client, or any other professional relationship
• We will respond to your inquiry within one business day and may follow up by email or, if provided and consented, by SMS
• If you opted in to SMS communications, you may opt out at any time by replying STOP

No Professional Advice

The content on this Site is provided for general informational and educational purposes only. Nothing on this Site constitutes legal, financial, insurance, tax, or other professional advice. Always consult qualified professionals before making decisions about your employee benefits plans. Ascend Benefits Consulting Group is an independent benefits consultant and is not a licensed attorney, CPA, or financial advisor.

Third-Party Links

Our Site may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

Disclaimer of Warranties

The Site and its content are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components. We make no warranties regarding the accuracy, completeness, or reliability of any content on the Site.

Limitation of Liability

To the fullest extent permitted by applicable law, Ascend Benefits Consulting Group shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including lost profits, data, or goodwill — arising out of or in connection with your use of the Site or our services, even if we have been advised of the possibility of such damages.

Indemnification

You agree to defend, indemnify, and hold harmless Ascend Benefits Consulting Group and its officers, employees, and agents from and against any claims, damages, obligations, losses, liabilities, costs, or debt arising from your use of the Site or your violation of these Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Tennessee, without regard to its conflict of law provisions. Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Tennessee.

Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site. Your continued use of the Site after any changes constitutes your acceptance of the new Terms. We encourage you to review these Terms periodically.