1. Information We Collect
Vital Wellness Compass collects personal information you provide directly, including name, email, phone number, date of birth, and health-related information when you enroll in our plans, request quotes, or use our services. We also automatically collect usage data through cookies and similar technologies.
2. How We Use Your Information
We use your information to provide and manage healthcare services, process claims, communicate with you about your plan, send promotional materials (with consent), comply with legal obligations, and improve our services. Your health information is handled in compliance with HIPAA regulations.
3. Information Sharing
We never sell your personal information. We may share data with healthcare providers in our network, insurance partners, payment processors, and legal authorities when required by law. All third parties are bound by strict confidentiality agreements.
4. Data Security
We implement industry-standard security measures including SSL encryption, secure servers, access controls, and regular security audits to protect your information. However, no method of transmission over the internet is 100% secure.
5. Your Rights
You have the right to access, correct, or delete your personal information. You may opt out of marketing communications at any time. To exercise these rights, contact us at info@vitalwellnesscompass.info.
6. Cookie Policy
We use cookies to enhance your browsing experience, analyze site traffic, and personalize content. You can control cookies through your browser settings, though some features may not function properly without them.
1. Acceptance of Terms
By accessing and using Vital Wellness Compass' website and services, you accept and agree to be bound by these Terms & Conditions. If you do not agree, please do not use our services. These terms apply to all visitors and members.
2. Service Description
Vital Wellness Compass provides healthcare, wellness, and insurance services to individuals and families across the USA. Specific services, coverage, and pricing are detailed in your individual plan agreement. All plans are subject to underwriting approval.
3. Membership & Enrollment
Membership is open to US residents aged 18 and above. You must provide accurate, complete information during enrollment. Misrepresentation may result in immediate termination of coverage without refund. Plans renew automatically unless canceled with 30 days notice.
4. Payment Terms
Plan premiums are billed monthly in advance. Payment is due on the date specified in your agreement. Late payments may result in coverage suspension. We accept major credit cards, debit cards, and ACH transfers. All fees are non-refundable unless explicitly stated.
5. Claims & Coverage
Claims must be submitted through your member portal within 90 days of service. Coverage is subject to plan terms, limits, and exclusions. Pre-authorization may be required for certain procedures. We reserve the right to deny claims that don't meet plan criteria.
6. Cancellation Policy
You may cancel your plan at any time with 30 days written notice. Refunds for unused premium periods will be processed within 14 business days. We may cancel coverage for non-payment, fraud, or material misrepresentation per our policies.
7. Limitation of Liability
Vital Wellness Compass is not liable for indirect, incidental, or consequential damages arising from service use. Our total liability is limited to the premiums paid in the 12 months preceding any claim. Medical decisions remain between you and your healthcare provider.
