About this website
This website is operated by Ascend Financial Wellness Group, an insurance and financial services practice in Roseville, California. Cheri Muniz is a licensed insurance agent in California, CA DOI License #0K85961. Contact us at cheri@ascendfinancialwellnessgroup.com or (916) 597-0314.
Informational purposes only
The content on this site is general information about insurance, funding, and financial topics. It is written to help you understand your options. It is not tax, legal, accounting, or investment advice, and it is not a recommendation to buy any specific product.
Examples, calculators, and estimates on this site, including the coverage gap tool, use simplified assumptions. They are meant to start a conversation, not to replace one. Your situation may differ in ways that change the answer. Consult a qualified professional before acting on anything you read here.
Insurance products
Life and health insurance products described on this site are issued by licensed insurance carriers, not by Ascend Financial Wellness Group. Every application is subject to underwriting, and approval, rates, and terms are decided by the carrier. Descriptions of policy features are summaries. The policy contract controls in every case.
Nothing on this site creates an insurance contract or binds coverage. Coverage begins only when a carrier issues a policy and the first premium is paid.
Third-party partners
Some services described on this site are provided by separate companies. These include the employer health benefit program through EHP, business funding through America's Funding Experts, and legal plans through LegalShield, where Cheri Muniz is an independent associate. Links to those companies take you to websites we do not control.
Each partner is a separate company with its own terms, privacy policy, pricing, and approval process. Ascend Financial Wellness Group does not guarantee the availability, performance, or outcome of any partner service. We may receive compensation when you enroll in a partner program through our links.
No guarantee of results
We cannot promise that any insurance application will be approved, that any funding request will close, or that any financial strategy will produce a particular result. Past performance of any index or product does not predict future results.
Using this site
You may view and print pages for your own personal, non-commercial use. You may not copy, republish, or sell the content, images, or branding on this site without written permission. You agree not to use the site in any way that could damage it, interfere with others' use, or violate any law.
The contact form is for genuine inquiries. Do not submit false information or use it to send unsolicited messages.
Intellectual property
The Ascend Financial Wellness Group name, logo, tagline, and site content are owned by Ascend Financial Wellness Group or used with permission. Partner names and logos belong to their respective owners.
Limitation of liability
This site is provided as is, without warranties of any kind. To the fullest extent permitted by law, Ascend Financial Wellness Group and Cheri Muniz are not liable for any loss or damage arising from your use of the site. The same applies to reliance on its content or use of any linked third-party site. This includes indirect, incidental, and consequential damages, even if we were advised of the possibility.
Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.
Indemnity
You agree to hold Ascend Financial Wellness Group harmless from claims arising out of your misuse of this site or your violation of these terms.
Governing law
These terms are governed by the laws of the State of California, without regard to conflict of law rules. Any dispute relating to this site will be brought in the state or federal courts located in Placer County, California, and you consent to that venue.
Changes
We may update these terms from time to time. The effective date at the top of this page shows the current version. Continued use of the site after an update means you accept the revised terms.
Contact
Questions about these terms can be sent to cheri@ascendfinancialwellnessgroup.com or (916) 597-0314.