Website Terms Of Use

Our Commitment To Privacy

Thank you for visiting www.ascendantgroup.com, www.ascendantinsurance.com, www.acicompanies.com, or www.ascendantclaims.com] (the “Website”), which are owned and operated by Ascendant Business Insurance Solutions or its affiliates, Ascendant Underwriters, LLC, Ascendant Commercial Insurance, Inc, Ascendant Claims Services, LLC, or Optima Technology Solutions, LLC (“Ascendant”). Ascendant is one of the fastest growing insurance providers in Florida, and provides services, such as binding coverage, underwriting and pricing insurance policies, and appointing retail insurance agents, in connection with insurance policies offered by Ascendant and insurance policies offered by third-party insurance carriers (each a “Third-Party Carrier” and collectively, “Third-Party Carriers”).

These terms and conditions (“Terms of Use”) govern your access to and use of the Website, which includes your access to the content, functionality, products and services offered through the Website. These Terms of Use do not change or alter any other contract, policy or agreement between you and Ascendant.

Throughout these Terms, the terms “we,” “us,” and “our” refer to Ascendant and the terms “you” and “your” refer to any visitor to or user of the Website, including, but not limited to, visitors and users that are Producers, Authorized Employees, Customers, and/or Insured Parties (each as defined herein).

These Terms of Use are effective as of: February 1, 2017.

Please carefully read these Terms of Use before you start using the Website. By accessing or browsing the Website you agree to be legally bound, without limitation or qualification, to these Terms of Use. If you do not agree to all, or any, of the provisions in these Terms of Use please immediately exit and make no further use of the Website.

Access to and use of the Website, is subject to all applicable laws and regulations as well as these Terms of Use and Ascendant’s Privacy Policy (“Privacy Policy”) located on the Ascendant website under the tab s Terms of Use and Privacy Policy, which set forth the legally binding terms related to your access and use of the Website.

About the Website

Subject to these Terms of Use, the Website provides information about our products and services and allows: (i) users to obtain information about the insurance policies provided by or through Ascendant (each a “Policy,” collectively “Policies”); (ii) insurance agencies and agents to submit certain documentation and enter certain information (i.e. agent’s or agency representative’s name, e-mail address, and phone number, agency’s legal name, address, year of establishment, number of employees, and principle owners as well as insurance licensure information) in order to apply to become agents or agencies authorized by Ascendant to solicit and sell certain Policies to third-parties (“Producers”) (such third parties to whom such insurance policies will be solicited or sold are referred to herein as “Customers”); (iii) individuals and entities insured under a Policy (each an “Insured Party” or collectively “Insured Parties”) to enter their billing information to submit payments in connection with such Policy; (iv) Insured Parties to access the Insured Portal in order to review and manage Policies, review and print Policy-related documents, and view coverage and billing information; and (v) Producers and Authorized Employees, through the Agent Portal, to (a) download and submit documentation and enter certain information (i.e. Producer’s or Authorized Employee’s e-mail address, Customers’ contact information, government-issued identification numbers, insurance history, and other information specific to the type of insurance requested) to submit quote requests, Policy applications, Policy endorsements, and motor vehicle report (“MVR”) requests, (b) download additional information about Policies; (c) review, track, and manage quote requests, quotes, Policy applications, binders, issued Policies, Policy renewal deadlines, MVR requests and MVRs; (d) submit payments related to Policies; (e) review and/or track data and information related to Producer’s production goals, sales, and commission; and (f) report a problem with the Website by submitting a description of the problem as well as Producer’s or Authorized Employee’s contact information.

You Must Be At Least 18 Years of Age

By using, registering, and/or providing any information on the Website, you certify that you are at least eighteen (18) years of age. We do not collect personally identifiable information from any person whom we actually know is under the age of eighteen (18).

Changes to the Website and/or Terms of Use

From time to time and without providing notice to you, we will make changes or improvements to the items, services, and/or features included on the Website. Additionally, from time to time and in our sole discretion, we will change or make additions to these Terms of Use, in which case we will post the revised Terms of Use on the Website and the revised Terms of Use will be effective immediately upon posting.

You are responsible for reviewing the most current version of the Terms of Use before using the Website to ensure that you agree to any revisions to the Terms of Use. If at any time you do not agree to the revisions, you should immediately cease all use of and access to the Website. By continuing to use the Website after we post any such changes, you accept the Terms of Use, as modified. You further agree that these methods of providing notice and acceptance of changes or amendments to these Terms of Use and to the Website are reasonable.

Privacy Policy

When requesting certain information, products or services via the Website, you will be asked to provide certain personal and other information. You agree that all information you provide to Ascendant through the Website or otherwise, is governed by our Privacy Policy, which is hereby incorporated in these Terms of Use. By using the Website, you are accepting the terms and conditions of our Privacy Policy. If you do not agree to your information being used in any of the ways described in the Privacy Policy, you must discontinue use of the Website.

Products or Services Offered

The products and services described on the Website are continuously being updated and changed and it is possible that some of the products and/or services displayed on the Website may not be available at a particular time. Additionally, not all products described on the Website may be available in all states, and some products offered in a particular state may vary from the product description included on the Website. Ascendant is not responsible to you, or to any other party, if a product or service displayed on the Website is not available for purchase at any particular time or if a product or service varies from a description provided on the Website.

The insurance products and services, including the Policies, described on the Website are only intended for persons and entities in the states and jurisdictions of the United States where these insurance products and services may legally be sold. Nothing on the Website shall be considered an offer to sell any insurance product or service to any person or entity in any jurisdiction where such offer, purchase or sale would be unlawful.

The Agent Portal allows Producers and Authorized Employees to submit quote requests, obtain quotes, submit Policy applications, and if approval is received, obtain binding confirmation from Ascendant. Quotes provided through the Agent Portal are price estimates based on the information Producers and Authorized Employees submit and are subject to change. Additionally, Producer and Authorized Employees do not have binding authority and the submission of a completed Policy application to us does not automatically result in a binding coverage agreement. Instead, an underwriter will review the application, determine whether or not to approve the risk associated with the application, and will notify the Producer or Authorized Employee if the risk has been approved. If the application is approved, Producers or Authorized Employees can locate the risk on their Account (as defined herein), and can request that Ascendant bind coverage. No insurance coverage can be bound and no changes can be made to a Policy, new or existing, unless and until a written binder has been received from us.

Account Security

Some portions of the Website, such as the Insured Portal and Agent Portal, are restricted and require users to create an account (“Account”) and obtain a user name and password to gain access. If you create an Account on the Website, you must treat your user name, password and any other information related to your Account (“Account Information”) as confidential, and you must not disclose it to any other person or entity. You acknowledge that your Account is personal to you and, except as provided herein, you agree not to provide any other person with access to your Account with access to your Account Information or other security information.

A Producer may only disclose Account Information and/or grant access to such Producer’s Account on the Agent Portal to individuals employed by such Producer: (i) that are authorized by law, and by each Customer whose Personally Identifiable Information is contained on such Account, to receive access to all information provided on the relevant Account; (ii) that are authorized by law to submit requests for Policy quotes, submit Policy applications, issue Policies; and report claims information (iii) have agreed, in writing, to refrain from disclosing Account Information or any information obtained through the Account to any unauthorized person and to refrain from providing any unauthorized person with access to the Account; and (iv) whose access is necessary in order for Producer to perform its responsibilities under the Producer Agreement. The employees of a Producer that satisfy the requirements described in this paragraph are referred to herein as “Authorized Employees.”

You are responsible for all activity performed and transactions entered into on or through your Account, and you agree that Ascendant may treat any activity performed or transaction entered into on or through your Account as authorized by you.

You agree to notify us immediately of any unauthorized access to your Account, use of your user name or password or any other breach of security. In addition, Producers and Authorized Employees agree to notify us immediately if Producer or any of its employees, including Authorized Employees, suspect that any Policy-related information has been inappropriately altered or is deceptively false, or suspect that an unauthorized person has obtained Producer’s Account Information, accessed Producer’s Account, and/or has used the Website to transact business as Producer or an Authorized Employee.

You also agree to ensure that you exit from your Account at the end of each session. Producers and Authorized Employees should refrain from accessing the Agent Portal from public or shared computers, and should only access the Agent Portal from a personal computer located at the Producer’s office. When accessing other parts of the Website using public or shared computers, you should use particular caution when logging into and using your Account, and when submitting Personally Identifiable Information through the Website so that others are not able to view or record your password, Account Information, or other information on your Account or otherwise.

We have the right to disable any Account, user name, password or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including but not limited to, if in our opinion, you have violated any provision of these Terms of Use, if you are a Producer and violate your Producer’s Agreement with us, or if we believe that your Account is being used by an unauthorized party.

Your Responsibility

You represent that all of the information, data, and other materials that you provide on the Website or to Ascendant through any other means, are true, accurate, and complete. You are responsible for updating and correcting the information you have provided on the Website or to Ascendant through any other means, as appropriate.

You must not use the Website: (a) to violate any local, state, national or international law or regulation, including but not limited to the Gramm-Leach Bliley Financial Modernization Act, as well as other applicable data security and privacy laws and regulations; or (b) to interfere with or disrupt the servers or networks connected to the Website, or disobey any requirements, procedures, policies or regulations of networks connected to the Website.

Except as permitted pursuant to these Terms of Use or otherwise agreed by us in writing, permission is hereby granted to the extent necessary to lawfully access and use the Website and/or information, materials, products and/or services available on it to display, download, archive and print in hard copy, portions of the Website on a temporary basis and for your individual non-commercial use only, provided you do not modify the materials and that you retain any and all copyright and other proprietary notices contained in the materials. Ascendant neither warrants nor represents that use of content displayed on the Website will not infringe rights of third parties not owned by or affiliated with Ascendant.

Except as permitted pursuant to these Terms of Use or otherwise agreed by us in writing, you must not display, reproduce, duplicate, copy, sell, resell or exploit for any commercial purposes, any portion of the Website. Without our prior written consent, you may not: (a) allow, enable, or otherwise support the transmission of mass unsolicited, commercial advertising or solicitations via e-mail (spam); (b) use any high volume, automated, or electronic means (including without limitation robots, spiders, scripts or other automatic device) to monitor or copy the Website web pages or the content contained thereon; (c) link or deep-link to the Website for any purpose except as described in these Terms of Use; or (d) frame the Website, place pop-up windows over its pages, or otherwise affect the display of the Website.

Intellectual Property

Unless otherwise indicated, the Website and its design, text, content, selection and arrangement of elements, organization, graphics, compilation, magnetic translation, digital conversion and other matters related to the Website are protected under applicable copyright, trademark and other proprietary laws, including but not limited to those of the United States, and all rights therein are the property of Ascendant or the material is included with the permission of the rights owner.

You acknowledge that Ascendant owns all right, title and interest in and to all of the information on the Website, and all underlying software and technology, including without limitation all Intellectual Property Rights, or that the material is included with the permission of the rights owner. “Intellectual Property Rights” means any and all rights existing from time to time under patent law, copyright law, trade secret law, trademark law, unfair competition law, any and all other proprietary rights, and any and all applications, renewals, extensions and restorations thereof, now or hereafter in force and effect worldwide.

TRADEMARKS. Certain of the names, logos, and other materials displayed on the Website constitute trademarks, tradenames, service marks or logos (“Marks”) of Ascendant or other entities. You are not authorized to use any such Marks. Ownership of all such Marks and the goodwill associated therewith remains with Ascendant or those other entities.

COPYRIGHTS; RESTRICTIONS ON USE. The content made available to you through the Website, including without limitation, text, databases, software, code, music, sound, photos, and graphics (“Our Content”), is: (a) copyrighted by Ascendant and/or its licensors under United States and international copyright laws; (b) subject to other intellectual property and proprietary rights and laws; and (c) owned by Ascendant or its licensors. Except as permitted in the Terms of Use or otherwise agreed by us in writing, Our Content may not be copied, modified, reproduced, republished, posted, transmitted, sold, offered for sale, performed, displayed, or redistributed in any way without our prior written permission and/or the prior written permission of our applicable licensors. You must abide by all copyright notices, information, or restrictions contained in or attached to any of Our Content.

Linking to the Website and Links from the Website

You may link to the homepage of the Website provided that you do so in a way that is fair and legal and does not damage our reputation or take advantage of it. However, you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part without our express written consent.

Subject to the foregoing, you must not: cause the Website or portions of it to be displayed, or appear to be displayed by, for example, framing, deep linking or in-line linking, on any other site; link to any part of the Website other than the homepage; otherwise take any action with respect to the materials on the Website that is inconsistent with any other provision of these Terms of Use. You agree to cooperate with us in causing any unauthorized framing or linking immediately to cease. We reserve the right to withdraw linking permission without notice.

The Website may include links to other sites and resources provided by third parties. 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 such sites. If you decide to access any third-party websites linked to the Website, you do so entirely at your own risk and subject to the terms and conditions of use of such websites.

Limitation of Liability and Disclaimer of Warranties

WE TAKE REASONABLE MEASURES TO ENSURE THAT THE INFORMATION PRESENTED ON AND THROUGH THE WEBSITE IS ACCURATE AND COMPLETE. HOWEVER, THE INFORMATION PRESENTED ON OR THROUGH THE WEBSITE IS MADE AVAILABLE SOLELY FOR GENERAL INFORMATION PURPOSES. WE MAKE NO GUARANTEES, REPRESENTATIONS OR WARRANTIES, WHETHER EXPRESSED OR IMPLIED, WITH RESPECT TO: (I) THE ACCURACY, COMPLETENESS, OR USEFULNESS OF THE INFORMATION PRESENTED ON THE WEBSITE, INCLUDING, BUT NOT LIMITED TO INFORMATION RELATED TO THE POLICIES, POLICY APPLICATIONS, BINDERS, AND QUOTES PROVIDED ON THE WEBSITE, INFORMATION CONTAINED IN THE MVRS, PRICE OR COST INFORMATION, PRODUCER SALES AND COMMISSION INFORMATION, OR OTHER CONTENT OR INFORMATION MADE AVAILABLE THROUGH THE WEBSITE; (II) THE QUALITY AND SECURITY OF THE WEBSITE; (III) THE ABILITY TO ACCESS THE WEBSITE OR ITS CONTENT OR ABILITY TO PURCHASE A PRODUCT OR SERVICE DISPLAYED ON THE WEBSITE; (IV) WHETHER THE WEBSITE WILL BE FREE OF VIRUSES, UNAUTHORIZED CODE OR OTHER HARMFUL COMPONENTS.

YOU ARE RESPONSIBLE FOR TAKING ALL PRECAUTIONS YOU BELIEVE NECESSARY OR ADVISABLE TO PROTECT YOU AGAINST ANY CLAIM, DAMAGE, LOSS OR HAZARD THAT MAY ARISE BY VIRTUE OF YOUR USE OF THE WEBSITE. WHEN USING THE WEBSITE, INFORMATION WILL BE TRANSMITTED OVER A MEDIUM THAT IS BEYOND THE CONTROL OF ASCENDANT. ACCORDINGLY, ASCENDANT ASSUMES NO LIABILITY FOR OR RELATING TO THE DELAY, FAILURE, INTERRUPTION, OR CORRUPTION OF ANY DATA OR OTHER INFORMATION TRANSMITTED IN CONNECTION WITH USE OF THE WEBSITE, AND YOU (AND NOT ASCENDANT) ASSUME THE ENTIRE COST OF ALL NECESSARY MAINTENANCE, REPAIR OR CORRECTION. WE DO NOT ASSUME ANY LIABILITY RELATED TO YOUR USE OF ANY THIRD-PARTY WEBSITE LINKED TO THE WEBSITE OR OTHERWISE.

IN NO EVENT SHALL WE BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DECISION MADE OR ACTION TAKEN BY YOU IN RELIANCE ON ANY CONTENT AND/OR IN CONNECTION WITH THE PRODUCTS OR SERVICES MADE AVAILABLE TO YOU ON OR THROUGH THE WEBSITE. ANY RELIANCE YOU PLACE ON INFORMATION PROVIDED OR SERVICES RENDERED ON OR THROUGH THE WEBSITE IS AT YOUR OWN RISK. WE DISCLAIM ALL LIABILITY AND RESPONSIBILITY ARISING FROM ANY RELIANCE PLACED ON SUCH INFORMATION AND/OR ON OUR SERVICES BY YOU OR ANY OTHER VISITOR TO THE WEBSITE, OR BY ANYONE WHO MAY BE INFORMED OF THE CONTENTS OF THE WEBSITE.

Additionally, these Terms of Use give you specific legal rights and you may also have other rights which vary from country to country. Some jurisdictions do not allow the exclusion of implied warranties, or certain kinds of limitations or exclusions of liability, so the limitations and exclusions set out in herein may not apply to you. Other jurisdictions allow limitations and exclusions subject to certain conditions. In such a case the limitations and exclusions set out herein shall apply to the fullest extent permitted by the laws of such applicable jurisdictions.

Limitation of Damages and Remedies

YOU AGREE THAT ASCENDANT, ITS AFFILIATES AND/OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND/OR DIRECTORS SHALL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR: ANY DAMAGES SUFFERED AS A RESULT OF: (I) ACCESSING, USING, PRINTING, COPYING OR DOWNLOADING ANYTHING FROM THE WEBSITE; (II) ANY LOSS OF DATA STORED ON THE WEBSITE; (III) ANY LOSS OR INJURY CAUSED IN WHOLE OR IN PART BY RELYING UPON, USING, OR INTERPRETING THE WEBSITE; OR (IV) ANY LOSS OR DAMAGE THAT MAY ARISE AS A RESULT OF THE USE OF YOUR ACCOUNT INFORMATION OR ACCOUNT BY SOMEONE OTHER THAN YOU OR YOUR AUTHORIZED EMPLOYEES. IN NO EVENT WILL ASCENDANT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY INCIDENTAL, CONSEQUENTIAL, INDIRECT, SPECIAL OR EXEMPLARY DAMAGES OR LOST PROFITS ARISING OUT OF THE USE OR INABILITY TO USE THE WEBSITE, EVEN IF ASCENDANT, ITS AGENTS OR REPRESENTATIVES KNOW OR HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. ASCENDANT’S CUMULATIVE LIABILITY TO YOU OR ANY OTHER PARTY FOR ANY LOSS OR DAMAGES RESULTING FROM ANY CLAIMS, DEMANDS, OR ACTIONS ARISING OUT OF OR RELATING TO THE WEBSITE OR THESE TERMS OF USE, INCLUDING BUT NOT LIMITED TO DISSATISFACTION WITH ANY PRODUCTS AND/OR SERVICES OFFERED AND/OR PROVIDED THROUGH THE WEBSITE, SHALL NOT EXCEED FIVE HUNDRED DOLLARS ($500.00).

SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL DAMAGES, OR LIMITATIONS UPON HOW LONG AN IMPLIED WARRANTY LASTS, SO THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. IN NO EVENT SHALL ASCENDANT BE LIABLE FOR ANY PERSONAL INJURY, INCLUDING DEATH, CAUSED BY YOUR USE OR MISUSE OF THE WEBSITE OR THE CONTENT OR ANY OF THE PRODUCTS AND/OR SERVICES OFFERED ON OR THROUGH THE WEBSITE.

ANY CLAIMS MADE BY YOU IN CONNECTION WITH YOUR USE OF THE WEBSITE, OR ITS CONTENT, MUST BE BOUGHT BY YOU WITHIN ONE (1) YEAR OF THE DATE ON WHICH THE EVENT GIVING RISE TO SUCH ACTION OCCURRED. ALL REMEDIES SET FORTH HEREIN ARE EXCLUSIVE AND ARE LIMITED TO THOSE EXPRESSLY PROVIDED FOR IN THE TERMS OF USE.

Termination

You agree that we, in our sole discretion, may terminate your use of, and/or access to the Website if we believe that you have violated or acted inconsistently with the letter or spirit of these Terms of Use. FURTHER, YOU AGREE THAT WE SHALL NOT BE LIABLE TO YOU OR ANY OTHER PARTY FOR ANY TERMINATION OF YOUR ACCESS TO THE WEBSITE.

Indemnity

You agree to indemnify, defend and hold harmless Ascendant, its parents, subsidiaries, affiliates, officers, directors, and other partners, employees, consultants and agents, from and against any and all claims, liabilities, damages, losses, costs, expenses, fees (including reasonable attorneys’ fees and court costs) that such parties may incur, resulting from, or alleged to result from your, your employee’s, or your agent’s: (i) breach of these Terms of Use; (ii) violation of any applicable law, regulation, rule or order pertaining to use of the Website; (iii) unauthorized or unlawful use of the Website; and (iv) unauthorized disclosure or release of any Account Information or any Personally Identifiable Information.

No Extraterritoriality

Ascendant is based in the United States of America and makes no claims that the Website is appropriate for, or may be accessed, downloaded or used by, persons residing outside of the United States of America. Ascendant makes no representation that the Website is appropriate or may legally be used in the nation, state, province or other jurisdiction in which you reside, do business, or are incorporated or organized, and access to the Website is prohibited from jurisdictions where the Website, or its content, is illegal.

Those who choose to access the Website do so on their own initiative and are responsible for compliance with applicable laws and regulations, including but not limited to the Gramm-Leach Bliley Financial Modernization Act, as well as other applicable data security and privacy laws and regulations. Access to the Website may not be legal by certain persons in certain countries. If you access the Website from outside the United States of America, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction.

Jurisdiction and Choice of Law

You agree that with respect to any suit, action or proceeding arising out of or in connection with any dispute with Ascendant, including without limitation any claim involving Ascendant or its parents, subsidiaries, affiliates, officers, directors, and other partners, employees, consultants and agents: (i) you will submit to the jurisdiction of the courts of Florida; (ii) venue for all disputes will be the Federal and State courts located in Miami, Florida and (iii) you irrevocably waive any objection that you may have at any time to the laying of venue of any suit, action or proceeding arising out of or relating hereto brought in any such court; irrevocably waive any claim that any such suit, action or proceeding brought in any such court has been brought in an inconvenient forum; and irrevocably waive the right to object, with respect to any such claim, suit, action or proceeding brought in any such court, that such court does not have jurisdiction over you.

You agree that these Terms of Use, as well as any suit, action or proceeding arising out of or in connection with any dispute with Ascendant, including without limitation any claim involving Ascendant or its parents, subsidiaries, affiliates, officers, directors, and other partners, employees, consultants and agents, shall be governed by and construed in accordance with the laws of Florida in all matters, including, without limitation, its validity, construction, interpretation and performance, and without regard to provisions regarding conflicts of law.

Assignment

We may assign these Terms of Use, in whole or in part, in our sole discretion. You may not assign your rights under these Terms of Use without our prior written permission. Any attempt by you to assign your rights under these Terms of Use without the permission of Ascendant shall be void.

Headings

The headings of the various sections of these Terms of Use have been inserted only for the purposes of convenience, and those headings shall not be deemed, in any manner, to modify, enlarge or restrict any of the provisions of these Terms of Use.

Severability and Non-Waiver

Our failure to enforce any provision of these Terms of Use shall not be deemed a waiver of such provision nor of the right to enforce such provision, and a waiver by us of any right herein on any occasion will not constitute a waiver of such right or any other right on any other occasion. In the event any provision of these Terms of Use is determined to be invalid, such invalidity will not affect the validity of the remaining portions of these Terms of Use, and the parties will substitute for the invalid provision a provision which most closely approximates the intent and economic effect of the invalid provision. These Terms of Use will apply in lieu of and notwithstanding any specific legend or statement associated with any particular document or information exchanged.

Survivability and Reservation of Rights

The following provisions of the Terms of Use survive the expiration or termination of the Terms of Use for any reason whatsoever: Limitation of Liability and Disclaimer of Warranties, Limitation of Damages and Remedies, Termination, Indemnity, Jurisdiction and Choice of Law. Ascendant reserves all rights not expressly granted to you herein.

Ascendant’s Contact Information

If you have any questions regarding these Terms of Use or any other matter, you can contact Ascendant at:

Ascendant Business Insurance Solutions
P.O. Box 141368
Coral Gables, FL 33114
Telephone: (305) 820-4360
E-mail: hcandela@ascendantinsurance.com