Terms of Use — Annuity.com

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1. Acceptance of Terms

Welcome to Annuity.com. These Terms of Use (“Terms”) govern your access to and use of the website located at annuity.com and any affiliated subdomains (collectively, the “Site”), operated by Annuity.com, Inc. (“Annuity.com,” “we,” “our,” or “us”).

By accessing or using the Site, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use the Site.

2. Purpose of the Site

Annuity.com is an educational resource for consumers researching annuities and retirement income planning. The Site provides:

Educational articles, guides, and glossaries about annuity products
Retirement planning calculators and interactive tools
Comparative rate data published by insurance carriers
An optional referral service connecting consumers with independent, licensed insurance advisors

We are a licensed insurance agency (National Producer Number 21086345) but the content on this Site is educational in nature.

3. Not Financial, Tax, or Legal Advice

Important: Information on this Site is provided for general educational purposes only. It is not personalized financial, investment, tax, or legal advice, and it does not constitute an offer to sell or a solicitation to buy any insurance or financial product.

Annuity suitability depends on your individual circumstances, including your age, financial goals, income needs, risk tolerance, and tax situation. Before purchasing any annuity or financial product, you should consult with a licensed insurance professional, a qualified tax advisor, and/or an attorney.

4. Eligibility

The Site is intended for use by U.S. residents who are at least 18 years of age. By using the Site, you represent that you meet these requirements. Product availability and licensing vary by state; not all products described on the Site are available in every state.

5. Accounts and Information You Submit

Certain features of the Site — including contact forms, calculator result requests, and advisor-matching requests — ask you to submit personal information such as your name, email, phone number, or ZIP code. By submitting this information, you:

Represent that the information you provide is accurate and complete;
Consent to being contacted by Annuity.com or a licensed insurance advisor in our network regarding your inquiry, consistent with our Privacy Policy and the consent language shown at the point of submission;
Understand that contact may occur by phone, email, or SMS — including by autodialed or prerecorded calls or messages where you have provided prior express written consent under the Telephone Consumer Protection Act (TCPA);
Acknowledge that consent to be contacted is not a condition of any purchase, and that you may opt out of future contact at any time (see our Privacy Policy for opt-out methods);
Acknowledge that standard message and data rates may apply to SMS messages.

You are responsible for maintaining the confidentiality of any login credentials associated with features of the Site and for all activity conducted through your account.

6. Intellectual Property

All content on the Site — including text, articles, graphics, logos, images, calculators, underlying code, and the overall look and feel — is owned by Annuity.com or its licensors and is protected by U.S. copyright, trademark, and other intellectual property laws.

Personal use license: You may view, print, and download content from the Site for your own non-commercial, personal reference only. You may not:

Reproduce, distribute, republish, or sell any content from the Site
Modify, adapt, translate, or create derivative works
Scrape, data-mine, or systematically extract content using automated means
Use our name, logo, or trademarks without our written permission
Remove copyright, trademark, or other proprietary notices from the content

“Annuity.com” and the Annuity.com logo are trademarks of Annuity.com, Inc. All other trademarks referenced on the Site are the property of their respective owners.

7. Acceptable Use

When using the Site, you agree not to:

Use the Site for any unlawful purpose or in violation of these Terms
Submit false, misleading, or fraudulent information
Interfere with or disrupt the Site, its servers, or connected networks
Attempt to gain unauthorized access to any portion of the Site
Introduce viruses, malware, or other harmful code
Harvest or collect information about other users
Impersonate any person or entity, or misrepresent your affiliation with any person or entity
Use the Site to transmit spam, unsolicited marketing, or harassing communications
Use automated tools (bots, scrapers, spiders) to access the Site without our express written permission

We reserve the right to restrict or terminate access to anyone who violates these rules.

8. Third-Party Links, Carriers, and Independent Advisors

The Site may contain links to third-party websites, including insurance carriers, government agencies, and news sources. These links are provided for your convenience only. We do not control these sites and are not responsible for their content, privacy practices, or accuracy.

Independent advisors: Advisors featured in our “Find an Agent” directory and those who may contact you through the Site are independent licensed professionals, not employees of Annuity.com. They are responsible for their own licensing, compliance, and the advice they provide. Annuity.com does not endorse, guarantee, or assume responsibility for recommendations made by independent advisors.

Carriers: Insurance products are issued by the insurance carrier, not by Annuity.com. All annuity guarantees are subject to the claims-paying ability of the issuing carrier.

9. Rate Data, Calculators, and Tools

Annuity.com publishes rate and product information sourced from insurance carriers and third-party data providers. Rates change frequently and without notice. Any rate, benefit, or product feature displayed on the Site:

Is subject to change by the issuing carrier at any time
May be subject to state availability restrictions
May be subject to minimum deposit, age, or eligibility requirements
Is not a binding offer and is not guaranteed until a contract is issued by the carrier

Calculators and tools on the Site (including the “What Is Your Number?” retirement income calculator and longevity calculator) produce illustrative estimates only. They are not financial projections, are not guarantees of future results, and rely on assumptions you provide. Actual outcomes will differ based on market conditions, product features, carrier pricing, taxes, and other factors.

10. Disclaimer of Warranties

THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” To the fullest extent permitted by law, Annuity.com disclaims all warranties of any kind, whether express or implied, including without limitation warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, and uninterrupted operation.

We do not warrant that the Site will be error-free, secure, or uninterrupted, or that any content is current, complete, or accurate. You use the Site and rely on its content at your own risk.

11. Limitation of Liability

To the fullest extent permitted by applicable law, Annuity.com, its officers, directors, employees, affiliates, and licensors shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, or goodwill, arising out of or relating to your use of the Site or reliance on any content, even if we have been advised of the possibility of such damages.

In any event, our total aggregate liability to you for all claims arising from or related to the Site shall not exceed one hundred U.S. dollars ($100.00).

Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you. Nothing in these Terms limits liability that cannot be limited under applicable law.

12. Indemnification

You agree to defend, indemnify, and hold harmless Annuity.com and its officers, directors, employees, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising from: (a) your use of the Site; (b) your violation of these Terms; or (c) your violation of any rights of a third party.

13. Changes to These Terms

We may update these Terms from time to time. When we make material changes, we will update the “Last Updated” date at the top of this page and, where appropriate, provide additional notice (such as a banner on the Site). Your continued use of the Site after changes take effect means you accept the revised Terms.

14. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Arizona, without regard to its conflict-of-laws principles. Any dispute arising out of or relating to these Terms or your use of the Site shall be resolved exclusively in the state or federal courts located in Maricopa County, Arizona, and you consent to the personal jurisdiction of those courts.

If any provision of these Terms is held to be unenforceable, the remaining provisions will remain in full force and effect.

15. Contact Us

If you have questions about these Terms, please contact us:

Annuity.com, Inc.

Email: legal@annuity.com

General Contact: annuity.com/contact