Effective Date: January 14, 2026

Last Updated: January 14, 2026

 

Welcome to www.chcquotes.com (the “Website”), operated by Compass Health Consultants (“CHC,” “we,” “our,” or “us,”). By accessing or using this Website, you agree to be bound by these Terms of Use. If you do not agree, please do not use the Website. 

 

Use of the Website

This Website is provided for informational and insurance-related services, including requesting insurance quotes and communicating with Compass Health Consultants®.

 

You agree to use the Website only for lawful purposes and in a manner that does not violate any applicable laws or regulations. 

 

No Insurance or Medical Advice

Information provided on this Website is for general informational purposes only and does not constitute legal, medical, or insurance advice. 

 

Coverage availability, benefits, and pricing are determined by insurance carriers and may vary. Final coverage decisions are subject to carrier approval and policy terms. 

 

No Guarantee of Coverage

Submitting information through this Website does not guarantee insurance coverage, eligibility, or enrollment. Quotes provided are estimates and not binding. 

 

User Responsibilities 

By using this Website, you agree that: 

• Information you provide is accurate and complete

• You will not misuse, disrupt, or attempt unauthorized access to the Website

• You will not submit false, misleading, or fraudulent information

 

Intellectual Property

All content on this Website–including text, logos, graphics, and design–is the property of Compass Health Consultants® or its licensors and is protected by applicable intellectual property laws. 

 

You may not copy, reproduce, distribute, or create derivative works without prior written permission. 

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Third-Party Links

The Website may contain links to third-party websites for convenience. CHC does not control and is not responsible for the content, policies, or practices of third-party sites. 

 

Accessing third-party websites is at your own risk. 

 

Disclaimer of Warranties

The Website is provided on an “as is” and “as available” basis. We make no warranties, express or implied, regarding accuracy, reliability, or availability. 

 

We do not warrant that the Website will be uninterrupted, error-free, or secure. 

 

Limitation of Liability

To the fullest extent permitted by law, Compass Health Consultants® shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of inability to use the Website. 

 

Indemnification

You agree to indemnify and hold harmless Compass Health Consultants®, its officers, employees, and partners from any claims, damages, or expenses arising from your use of the Website or violation of these Terms. 

 

Privacy

Your use of the Website is also governed by our Privacy Policy, which describes how we collect and use information. By using the Website, you consent to our data practices. 

 

Governing Law

These Terms of Use are governed by and constructed in accordance with the laws of the State of Missouri, without regard to conflict-of-law principles. 

 

Changes to These Terms

We may update these Terms of Use at any time. Changes will be effective upon posting to the Website. Continued use of the Website constitutes acceptance of the updated terms. 

 

Contact Information 

If you have questions regarding these Terms of Use, please contact: 

Compass Health Consultants®

Website: www.chcquotes.com

Email: info@chcquotes.com