Terms and Conditions of Use
These AnnuityOS Terms and Conditions of Use (these “ Terms and Conditions ”) govern the use of the Site, Services, and any materials, content, and software provided in connection therewith (collectively, “ Site Material(s) ”). These Terms and Conditions are inclusive of the AnnuityOS Privacy Policy, and any and all other applicable operating rules, policies, schedules, and other supplemental terms and conditions or documents that may be published from time to time, which are expressly incorporated herein by reference. Any capitalized terms used in these Terms and Conditions but not otherwise defined will have the meanings ascribed to them in Section 2 below.
1. Acceptance of Agreement .
1.1. By subscribing to the Services, accessing, browsing, and/or using this Site, User acknowledges to have read, understood, and agreed to comply with and be bound by these Terms and Conditions. If the User accepting these Terms and Conditions is accepting on behalf of a Client, such User represents that it has the authority to bind such Client to these Terms and Conditions. If User does not have such authority, or does not agree with these Terms and Conditions, User must not accept these Terms and Conditions and may not use the Services.
1.2. These Terms and Conditions shall prevail over and apply to the exclusion of any terms and conditions contained in correspondence or elsewhere, or implied by trade custom, practice, or course of dealing. Unless there is a separate executed written agreement for the purchase of Services between Registered User and AnnuityOS in effect at the time of Registered User’s enrollment in Services, all Services shall be governed only by these Terms and Conditions.
1.3. AnnuityOS reserves the right, with or without notice, to make changes to these Terms and Conditions at its sole discretion. User’s continued use of the Site Materials constitutes User’s acceptance of such changes to these Terms and Conditions. Any modifications will be effective immediately upon posting the updated terms and conditions on the Site.
2. Definitions .
“ AnnuityOS ” means AnnuityOS, LLC, a Delaware limited liability company, with its registered office at 651 North Broad Street, Suite 201, Middletown, Delaware 19709.
“ Registered User ” means those Users who are either Clients or End Users. “ Clients ” are those who have purchased a Service. “ End Users ” are authorized employees, contractors, consultants, and temporary workers of a Client and who are performing services for such Client’s internal purposes.
“ Service(s) ” means all products and services owned and operated by AnnuityOS, including the content, features, tools, data, software, computer code, and/or functions made available by AnnuityOS through the Site, the mobile applications, and other websites or applications AnnuityOS operates. As of the Effective Date of these Terms and Conditions, AnnuityOS Services include, but are not limited to, the following key features: Digitalizing and Modernizing Registered User’s Book of Business; Client AnnuityScore Reports; Tracking and Updating Contracts; and Zero-Loss Transfer™ Technology.
“ User ” means an individual visiting this Site who visits with or without transacting business and/or registering for a Service.
“ User Data ” means electronic data and information submitted by or for Users to the Site and/or Services.
“ Site ” means www.annuityos.com .
3. Registration; Termination .
3.1. In connection with obtaining access to the Services, AnnuityOS may collect the following information applicable to the Registered User: (i) the name of the Registered User; (ii) the name of the Client; (iii) the Registered User’s primary contact’s e-mail address; (iv) Registered User’s primary contact’s telephone number; (v) Registered User’s market interest; and/or (v) any other information requested on the applicable form (collectively, “ Registration Data ”).
3.2. Registered User agrees to provide true, accurate, current and complete Registration Data. If Registered User provides any Registration Data that is untrue, inaccurate, not current or incomplete (or if the Registration Data becomes untrue, inaccurate, not current or incomplete), or AnnuityOS has reasonable grounds to suspect that such Registration Data is untrue, inaccurate, not current or incomplete, AnnuityOS has the right to suspend or terminate Registered User account and refuse any and all current or future use of the Services (or any portion thereof).
3.3. AnnuityOS may modify and/or terminate any Service and/or Registered User’s access to Service at any time, without notice, in its sole discretion. A termination may be for conduct that AnnuityOS believes violates these Terms and Conditions and/or is harmful to other Users of the Site, to AnnuityOS, or to other information providers.
4. Role of AnnuityOS; Limitations .
4.1. AnnuityOS will (i) make the Site Materials available pursuant to these Terms and Conditions; (ii) provide reasonable support for Site Materials; (iii) use commercially reasonable efforts to make the Site Materials available 24/7, except for any planned downtime and any unavailability caused by circumstances beyond AnnuityOS’s reasonable control; and (iv) provide the Site Materials in accordance with the applicable laws and government regulations, and subject to User’s use of the Site Materials in accordance with these Terms and Conditions.
4.2. AnnuityOS will use commercially reasonable efforts to maintain safeguards for protection of the security, confidentiality, and integrity of User Data in accordance with the Privacy Policy.
5. Services .
5.1. Unless otherwise provided, Services are purchased as subscriptions on a monthly basis. Registered User agrees that its purchase of Services is not contingent on the delivery of any future functionality or features, or dependent on any oral or written public comments made by AnnuityOS regarding future functionality or features.
5.2. AnnuityOS grants Registered User a limited, non-exclusive, non-transferable license, without right of sublicense, to access and use and Services subject to these Terms and Conditions. All rights not expressly granted hereunder are reserved to Annuity OS. AnnuityOS may terminate this license at any time, for any reason.
5.3. Any analysis and estimates AnnuityOS provides as part of Services are for illustrative and informational purposes only. The analysis and estimates are based on certain assumptions and use only the data AnnuityOS has. The AnnuityOS analysis and estimates are neither endorsed by, nor commissioned by, any of AnnuityOS partners. The methodology AnnuityOS uses to determine which analysis or other information is presented or highlighted is proprietary and AnnuityOS may elect to consider, ignore, emphasize, or de-emphasize certain factors in its sole and absolute discretion.
5.4. With respect to offers, AnnuityOS does not guarantee that any offer will be presented for any particular product or service or that clients of Registered User will meet the approval criteria for any particular offer.
5.5. All information on Services is for educational purposes only. AnnuityOS does not guarantee that the information presented as part of Services is the same information that may be used or reviewed by a third party to assess eligibility for any particular product or service.
5.6. AnnuityOS is not financial or legal advisor as defined under federal or state law. Use of Services is not a replacement for personal, professional advice, or assistance.
5.7. AnnuityOS controls and operates Services from the United States (“ U.S. ”). AnnuityOS makes no representation or warranty that the information, products, or services provided through Services, is appropriate for access or use in other jurisdictions. AnnuityOS reserves the right to limit the availability of Services to any person, geographic area, or jurisdiction, at any time and in its sole discretion.
6. Role of User .
6.1. User will (i) be responsible for its compliance with these Terms and Conditions; (ii) be responsible for the accuracy, quality, and legality of User Data, the means by which it acquired User Data, and, if applicable, the use of User Data with the Services; (ii) use all reasonable efforts to prevent unauthorized access to or use of Services, and notify AnnuityOS immediately of any unauthorized access or use, (iii) use Site Materials only in accordance with these Terms and Conditions and applicable laws and government regulations. User understands and agrees that any use of the Site Materials in breach of the foregoing by User which AnnuityOS believes threatens the security, integrity, or availability of AnnuityOS and/or the Site Materials, may result in immediate suspension of the Services and access to the Site Materials.
6.2. As applicable, User represents and warrants to AnnuityOS that: (i) these Terms and Conditions constitute the legal, valid and binding obligation, which is fully enforceable against User in accordance with its terms; (ii) it understands and agrees it has independently evaluated the desirability of utilizing the Site Materials and that it has not relied on any representation and/or warranty other than those set forth in these Terms and Conditions; and/or (iii) the execution, delivery and performance of these Terms and conditions by User will not conflict with or violate any applicable law, rule, or regulation.
7. Use Restrictions .
7.1. Except as specifically provided in these Terms and Conditions, User shall not:
7.1.1. Sell, resell, license, sublicense, distribute, rent or lease Site Material, or interfere with or disrupt the integrity or performance of any service or third-party data contained therein;
7.1.2. Attempt to gain unauthorized access to the Site Material, permit direct or indirect access to or use the Site Material in a way that circumvents a usage limit, or use the Site and any Services to access, copy, or use any of AnnuityOS intellectual property except as permitted under these Terms and Conditions;
7.1.3. Reverse engineer, decompile, decode, decrypt, disassemble, or in any way derive source code from the Services or the technology used to operate our Services;
7.1.4. Modify, copy, translate, adapt, alter, or create derivative works of the Site Materials or any part, feature, function, or user interface thereof;
7.1.5. Remove or obscure the copyright notices or other notices contained in Site Materials.
7.1.6. Use Services in any manner that infringes the rights of any third-party;
7.1.7. Harvest, collect, gather, or assemble information or data regarding other registered users; and
7.1.8. Except to the extent permitted by applicable law, build a competitive product or service, build a product or service using similar ideas, features, functions or graphics of the Site and Services, copy any ideas, features, functions or graphics of the Site and Services, or determine whether the Services are within the scope of any patent.
8. Intellectual Property Rights .
8.1. All right, title, and interest (including all copyrights, trademarks, and other intellectual property rights) in and to the Service Materials or any part, feature, function, or user interface thereof belongs to AnnuityOS or its third-party supplier. Nothing in these Terms and Conditions or the Services grants User, by implication, estoppel, or otherwise, any license or right to use our Site Materials except as expressly stated herein.
8.2. Without the express prior written consent of AnnuityOS, User has no right to use AnnuityOS trademarks, tradenames, corporate slogans, corporate logos or corporate designations in the sale, lease or advertising of any service or any other product or product containers, component parts, business forms, sales, advertising or promotional materials, or other business supplies or materials, whether in writing, orally or otherwise. Other product and company names mentioned on this Site may be trademarks of their respective owners.
8.3. AnnuityOS reserves the right, and User authorizes AnnuityOS, to use and assign all information regarding Site Materials, including User Data, used by User and all information provided by User in any manner consistent with the Privacy Policy.
9. Unauthorized Users . Only Registered Users are permitted to access or use the Services. If any user obtains access to and use of the Services without authorization from AnnuityOS (“ Unauthorized User ”), such Unauthorized User’s access and use will be governed by these Terms and Conditions, and Unauthorized User’s will be liable to AnnuityOS for any breach thereof. Furthermore, Unauthorized User will be responsible for payment to AnnuityOS with respect to such unauthorized use at the rates in the applicable price schedule and for any and all related fees.
10. Information; Confidential Information .
10.1. Other than personally identifiable information, which is governed by the Privacy Policy, any information, material, or communications sent to AnnuityOS through the Site and Services will be treated as non-confidential (“Information”). For any Information, User hereby agrees that AnnuityOS is free to use any ideas, concepts, suggestions, know-how, techniques, and other information provided for any purpose without compensation. For any such non-confidential Information provided, and under any patent or copyright granted therefrom, User and/or Registered User hereby grants and agrees to grant AnnuityOS an unrestricted, life-time, world-wide, royalty-free, right and license, with right to sublicense, to (i) make, have made, use, sell, offer for sale, import, and otherwise dispose of any product, and (ii) use, disclose, reproduce, distribute, and make derivative works of the non-confidential Information.
10.2. “ Confidential Information ” means all information disclosed by a party (“ Disclosing Party ”) to the other party (“ Receiving Party ”), whether orally or in writing, that is designated as confidential or that reasonably should be understood to be confidential given the nature of the information and the circumstances of disclosure. Confidential Information includes, but is not limited to, Site Materials and the terms and conditions in any purchase (including pricing). Confidential Information does not include any information that (i) is or becomes generally known to the public without breach of any obligation owed to the Disclosing Party, (ii) was known to the Receiving Party prior to its disclosure by the Disclosing Party without breach of any obligation owed to the Disclosing Party, (iii) is received from a third-party without knowledge of any breach of any obligation owed to the Disclosing Party, or (iv) was independently developed by the Receiving Party. All Confidential Information must be held in confidence by the recipient using at least the degree of care the recipient uses for its own confidential information, but no less than reasonable care. Except as required by law, the Receiving Party may not disclose such materials or Confidential Information except to its own employees, contractors, or agents who require use of the materials in the performance of their duties and who are bound by a duty of confidentiality under terms no less restrictive than contained herein concerning the use of Confidential Information. Nothing contained in these Terms and Conditions limits a party from filing a truthful complaint or the party’s ability to communicate directly to, or otherwise participate in, either: (i) any investigation or proceeding with a U.S. government agency alleging a securities law violation, waste, fraud or abuse; or (ii) an investigation or proceeding that is protected under a whistleblower provision of a U.S. federal law or regulation.
11. Privacy . All material submitted by Users through or in association with the Services, including, without limitation, the Registration Data, shall be subject to the AnnuityOS Privacy Policy, available at www.annuityos.com .
12. Indemnification . User agrees to indemnify, defend and hold AnnuityOS and its subsidiaries, affiliates, licensors, service providers, employees, agents, officers, directors, and contractors (“ Indemnified Parties ”), harmless from and against any and all claims, losses, expenses, demands, or liabilities, including attorneys’ fees and costs, incurred by Indemnified Parties in connection with any claim by a third party arising out of or in any way related to: (i) User’s use of the Site Materials; (ii) User’s violation or alleged violation of these Terms and Conditions or User’s violation or alleged violation of any applicable law; (iii) User’s infringement or alleged infringement of any intellectual property or other right of any other person or entity; or (iv) any dispute between User and a third party, including any provider of third-party content. User must not settle any such claim or matter without the prior written consent of AnnuityOS. The Indemnified Parties reserve the right, at their own expense, to assume the exclusive defense and control of any matter subject to indemnification by User, and User further agrees that User will cooperate fully in the defense of any such claims.
13. Disclaimer .
13.1. THE SITE AND/OR ANY OTHER PRODUCTS AND/OR SERVICES OFFERED BY AND/OR THROUGH SAME ARE PROVIDED TO USER ON AN “AS IS” AND “AS AVAILABLE” BASIS AND ALL WARRANTIES, EXPRESS AND IMPLIED, ARE DISCLAIMED TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW (INCLUDING, BUT NOT LIMITED TO, THE DISCLAIMER OF ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY AND/OR FITNESS FOR A PARTICULAR PURPOSE). ANNUITYOS MAKES NO WARRANTY THAT THE SITE MATERIALS AND/OR ANY OTHER PRODUCTS AND/OR SERVICES OFFERED BY AND/OR THROUGH SAME: (I) WILL MEET ANY USER’S/COMPANY’S REQUIREMENTS; (II) WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE OR THAT DEFECTS WILL BE CORRECTED; (III) WILL BE FREE OF HARMFUL COMPONENTS; AND/OR (IV) WILL BE ACCURATE OR RELIABLE. THE SITE AND/OR ANY OTHER PRODUCTS AND/OR SERVICES OFFERED BY AND/OR THROUGH SAME MAY CONTAIN BUGS, ERRORS, PROBLEMS OR OTHER LIMITATIONS. ANNUITYOS WILL NOT BE LIABLE FOR THE AVAILABILITY OF THE UNDERLYING INTERNET CONNECTION ASSOCIATED WITH THE SITE. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY ANY USER FROM ANNUITYOS OR OTHERWISE THROUGH OR FROM THE SITE MATERIALS SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS AND CONDITIONS.
13.2. ANNUITYOS DOES NOT INTEND TO PROVIDE ANY INVESTMENT ADVICE OR INFORMATION RELATING TO ITSELF OR ANY COMPANY IDENTIFIED ON THE SITE. Nevertheless, the Site may, from time to time, contain information on the current or prospective financial condition of this and/or certain other companies. AnnuityOS cautions that there are various important factors that could cause actual results to differ materially from those indicated in the information you may encounter on the Site. Accordingly, there can be no assurance that such indicated results will be realized. These factors include, among other things, legislative and regulatory initiatives regarding regulation of American companies doing business abroad; political and economic conditions and developments in the US and in foreign countries in which the companies discussed on the site operate; financial market conditions and the results of financing efforts; and changes in commodity prices and interest rates.
14. Limitation of Liability . USER EXPRESSLY UNDERSTANDS AND AGREES THAT ANNUITYOS SHALL NOT BE LIABLE TO USER, CLIENT, OR ANY THIRD-PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL AND/OR EXEMPLARY DAMAGES INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, LOSS OF REPUTATION, OR OTHER INTANGIBLE LOSSES (EVEN IF ANNUITYOS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), TO THE FULLEST EXTENT PERMISSIBLE BY LAW, FOR: (I) THE USE OR INABILITY TO USE THE SITE AND/OR ANY OTHER PRODUCTS AND/OR SERVICES OFFERED BY AND/OR THROUGH SAME; (II) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION, CONTENT AND/OR ANY OTHER PRODUCTS PURCHASED OR OBTAINED FROM OR THROUGH THE SITE OR SERVICES; (III) ANY DISPUTE BETWEEN ANY USERS, CLIENTS, AND/OR THIRD-PARTIES; (IV) THE UNAUTHORIZED ACCESS TO, OR ALTERATION OF, ANY USER’S AND/OR CLIENT’S REGISTRATION DATA; AND/OR (E) ANY OTHER MATTER RELATING TO THE SITE AND/OR ANY OTHER PRODUCTS AND/OR SERVICES OFFERED BY AND/OR THROUGH SAME. THIS LIMITATION APPLIES TO ALL CAUSES OF ACTION, IN THE AGGREGATE INCLUDING, BUT NOT LIMITED TO, BREACH OF CONTRACT, BREACH OF WARRANTY, NEGLIGENCE, STRICT LIABILITY, MISREPRESENTATION AND ANY AND ALL OTHER TORTS. USER HEREBY RELEASES ANNUITYOS FROM ANY AND ALL OBLIGATIONS, LIABILITIES, AND CLAIMS IN EXCESS OF THE LIMITATIONS STATED HEREIN. IF APPLICABLE LAW DOES NOT PERMIT SUCH LIMITATIONS, THE MAXIMUM LIABILITY OF ANNUITYOS TO ANY USER AND/OR CLIENT UNDER ANY AND ALL CIRCUMSTANCES WILL BE ONE HUNDRED DOLLARS ($100.00). NO ACTION, REGARDLESS OF FORM, ARISING OUT OF THE SITE AND/OR ANY OTHER PRODUCTS AND/OR SERVICES OFFERED BY AND/OR THROUGH SAME, MAY BE BROUGHT BY ANY USER MORE THAN ONE (1) YEAR FOLLOWING THE EVENT WHICH GAVE RISE TO THE CAUSE OF ACTION. THE NEGATION OF DAMAGES SET FORTH ABOVE IS A FUNDAMENTAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN USER AND ANNUITYOS. ACCESS TO THE SITE AND SERVICES WOULD NOT BE PROVIDED TO ANY USER WITHOUT SUCH LIMITATIONS. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS ON LIABILITY AND IN SUCH JURISDICTIONS THE LIABILITY OF ANNUITYOS SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.
15. Payment and Fees .
15.1. Registered User will pay all fees specified in the enrollment portal. Except as otherwise specified herein or agreed to in writing by AnnuityOS, (i) fees are based on Services purchased and not actual usage and (ii) payment obligations are non-cancelable, and fees paid are non-refundable. AnnuityOS reserves the right in its sole discretion to changes prices at any time.
15.2. Registered User will provide valid and updated credit card information. If Registered User provides credit card information to AnnuityOS, Registered User authorizes AnnuityOS to charge such credit card for all Purchased Services listed in the Order Form for the initial subscription term and any renewal subscription terms. Registered User is responsible for providing complete and accurate billing and contact information to AnnuityOS and notifying AnnuityOS of any changes to such information.
15.3. Fees do not include any taxes, levies, duties or similar governmental assessments of any nature, including, for example, value-added, sales, use or withholding taxes, assessable by any jurisdiction whatsoever (collectively, “ Taxes ”). Registered User is responsible for paying all Taxes associated with its purchases hereunder. For clarity, AnnuityOS is solely responsible for taxes assessable against it based on its income, property, and employees.
16. Third-Party Websites .
16.1. Site Materials may contain links to other websites on the Internet that are owned and operated by third parties. AnnuityOS does not control the information, products, or services made available on or through these third-party websites. The inclusion of any link does not imply endorsement by AnnuityOS of the applicable website or any association with the website’s operators. AnnuityOS is not responsible or liable for the availability or the operation of such external websites, for any material located on or available from or through any such websites or for the protection of any data privacy by third parties. User further agrees that AnnuityOS shall not be responsible or liable, directly or indirectly, for any loss or damage caused by the use of or reliance on any such material available on or through any such website.
16.2. If a third-party links to the Site, it is not necessarily an indication of an endorsement, authorization, sponsorship, affiliation, joint venture or partnership by or with AnnuityOS. A website that links to the Site: (i) may link to, but not replicate, AnnuityOS’s Service materials; (ii) may not create a browser, border environment or frame AnnuityOS’s Service materials; (iii) may not imply that AnnuityOS is endorsing it or its products; (iv) may not misrepresent its relationship with AnnuityOS; (v) may not present false or misleading information about AnnuityOS’s products or services; and (vi) should not include content that could be construed as distasteful, offensive, or controversial.
17. Miscellaneous .
17.1. Entire Agreement . These Terms and Conditions constitute the entire and final agreement between AnnuityOS and User with regard to the subject matter herein and supersedes all other communications.
17.2. Governing Law . These Terms and Conditions shall be governed by the laws of the State of Arizona, USA (except for its conflict of laws provisions). However, nothing herein shall limit AnnuityOS’s ability to assert its intellectual property rights in any court of competent jurisdiction or any government agency, including: the right to seek injunctive relief; or file, defend, oppose, or challenge patents, copyrights, or trademarks; or enforcing an award in any court of law; or forgo mediation and directly seek relief via judicial or government agency proceedings.
17.3. Third Party Rights Excluded . These Terms and Conditions are made solely for the exclusive benefit of User and AnnuityOS and all third-party rights of enforcement are hereby excluded to the fullest extent possible.
17.4. Waiver . Failure by AnnuityOS to exercise or enforce any rights hereunder shall not be deemed to be a waiver of any such right nor operate so as to bar the exercise or enforcement thereof at any time or times thereafter.
17.5. Notices . Any notice hereunder shall be deemed to have been duly given when sent by certified mail or nationally recognized pre-paid delivery service to the party concerned at its last known address.
17.6. Amendments . No modifications to these Terms and Conditions shall be binding unless expressly agreed to in writing by AnnuityOS.
17.7. Severability . If any provision of these Terms and Conditions is held invalid, all other provisions shall remain valid.
17.8. Assignment . AnnuityOS may assign the Site Materials and these Terms and Conditions to any party at any time without notice. The rights and obligations of User hereunder may not be assigned, by operation of law or otherwise, without the prior written consent of AnnuityOS, any such unauthorized assignment shall be null and void.
17.9. No Agency . Nothing in these Terms and Conditions shall be construed as creating an agency relationship, legal partnership, joint venture, or formal business organization of any kind between the parties.
17.10. Trade Restrictions . User agrees that User is not prohibited from receiving the Services under the laws of the U.S. or other applicable jurisdiction. For example, User is not on the U.S. Treasury Department’s list of Specially Designated Nationals or any other similar prohibition.
17.11. Electronic Signatures . Registered User acknowledges and agrees that by clicking on the submit button, or taking such other action as may be designated by AnnuityOS as a means of accepting all or a portion of these Terms and Conditions, Registered User is submitting a legally binding electronic signature and entering into a legally binding contract. Further, Registered User hereby waives any right or requirement under any statutes, regulations, rules, ordinances or other law in any jurisdiction which require(s): (i) an original signature; (ii) delivery or retention of non-electronic records; and/or (iii) payments, or the granting of credits, by other than electronic means.
Effective Date: August 18, 2023
AnnuityOS Privacy Policy
AnnuityOS, LLC, a Delaware limited liability company, with its registered office at 651 North Broad Street, Suite 201, Middletown, Delaware 19709 (“ AnnuityOS ”) is the owner of www.annuityos.com (“ Site ”). AnnuityOS can be by email at hey@annuityos.com . This AnnuityOS Privacy Policy (this “ Privacy Policy ”) discloses AnnuityOS information practices for this Site, including what type of personal identifiable information is required to make a purchase, how the information is used, and with whom the information is shared. By subscribing to the Services, accessing, browsing, and/or using this Site, User (as defined below) acknowledges to have read, understood, and agreed to comply with and be bound by this Privacy Policy.
1. Personal Information .
1.1. In general, an individual (“ User ”) can visit on the Site without disclosing any personal information. AnnuityOS may keep track of the domains from which Users visit or analyzes the data gathered from Site visits for trends and statistics, and then discard the gathered data.
1.2. AnnuityOS does not sell products or services for purchase by children and will not collect or post information from a child under the age of eighteen (18).
2. AnnuityOS Services .
In order to make a purchase to make a purchase or to access AnnuityOS services (“Services”), AnnuityOS will request User to provide certain personal identifying information, which may include: the name, postal address, e-mail address, username, password, telephone number, facsimile number, method of payment, and, if applicable, credit card number. AnnuityOS may request additional information necessary to establish and maintain User’s account. If User informs AnnuityOS that it does not wish to have this information used as a basis for further contact, AnnuityOS will respect any such request.
3. Third-Party Websites . The Site may contain links to other websites. AnnuityOS is not responsible for the privacy practices or the content of any third-party website.
4. Uses of Information .
4.1. Without User’s prior consent, AnnuityOS will not use User’s personal identifiable information for any purpose other than that for which it is submitted.
4.2. AnnuityOS uses personal identifiable information to reply to inquiries, handle complaints, provide operational notices and in program record-keeping.
4.3. AnnuityOS also processes billing and business requests related to the Site.
4.4. Unless User opts out by sending an email to hey@annuityos.com , AnnuityOS reserves the right to provide User with information about the Site, AnnuityOS products and services, and related information.
4.5. AnnuityOS may store and retains the information provided by User. This information is used to compile purchase history to support customer interaction with the Site and/or to contact User about Services.
5. Disclosure of Information .
5.1. AnnuityOS may share User’s personal information to AnnuityOS employees, partners, contractors, and agents who have a need to know.
5.2. Circumstances may arise where for business reasons, AnnuityOS decides to sell, buy, merge, or otherwise reorganize its businesses. Such a transaction may involve the disclosure of personal information to prospective or actual purchasers, and/or receiving such information from sellers. AnnuityOS will seek appropriate protection for any such information.
5.3. AnnuityOS reserves the right to disclose to third parties the personal information about User for marketing analysis; however, any information disclosed will be in the form of aggregate data that does not describe or identify an individual customer.
5.4. Under certain circumstances, personal information may be subject to disclosure pursuant to a judicial or other government subpoenas, warrants or orders.
6. Cookies . Cookies are small files that are stored on computing devices. AnnuityOS uses cookies to understand and save User preferences for future visits and compile aggregate data about network traffic and network interaction so that AnnuityOS can offer better network experiences and tools in the future. Cookies may be set by organizations other than AnnuityOS. Because the cookie policies of these third-party service providers may change over time, Users should review their policies by visiting their privacy policies directly.
7. Collection of Non-Identifiable Information . AnnuityOS may collect non-identifiable information Users in order to provide better customer service. Examples of such collecting include: traffic analysis, such as tracking of the domains from which users visit, or tracking numbers of visitors; measuring User activity; Site administration; user analysis; and business decision making.
8. Information Security . AnnuityOS employs managerial procedures to safeguard the security and integrity of personal information.
9. No Liability for Third-Party Acts . AnnuityOS will exercise commercially reasonable efforts to safeguard the confidentiality of customer personal information. AnnuityOS shall not be liable for unauthorized disclosure of personal information due to no fault of AnnuityOS including, but not limited to, errors in transmission and unauthorized acts of employees or third parties.
10. Privacy Policy Changes .
10.1. AnnuityOS reserves the right to revise this Privacy Policy at any time.
10.2. Any question about this Privacy Policy, should be sent to hey@annuityos.com.