Learn More About Annuities

You have entered a "replicated website," of an Independent Agent for Annuity.com, Inc., the Back-Office of an Annuity.com Independent Agent, the corporate website of Annuity.com, Inc., or a mobile application ("App") operated by Annuity.com (referred to herein as "Annuity.com", "our", "us" or "we"). The Site is operated by Annuity.com, and is hosted on the server of Annuity.com's third-party technology provider. The information you submit on this Site is sent to / accessed by Annuity.com and not the Independent Agent to whom this Site is assigned (except as set forth in this privacy policy). By visiting this Site and providing information to Annuity.com you consent to the following privacy policy, use and disclosure of information.

INFORMATION COLLECTION

Personally Identifiable Information

Through your use of or visits to the Site, you may be required or requested to provide personally identifiable information to us. Personally identifiable information is any piece of information that can potentially be used to uniquely identify, contact, or locate a single person including names, addresses, email addresses, telephone numbers, social security and tax identification numbers, and credit card or banking information.

Agent and Customer Information

In order to become an Agent or customer, you must provide biographical and contact information (such as name, mailing address, telephone numbers, and email address) to us. Agent applicants must also provide personal information such as an applicant's Social Security Number or Federal Tax ID Number so that we may prepare and file necessary non-employee compensation forms for the IRS. Agents and customers are also required to provide payment information (such as credit card, debit card, or checking account information). We use this information to maintain contact with Agents and customers, to process Agent and customer orders, and for billing purposes.

INFORMATION USE & SHARING

Personally Identifiable Information

Annuity.com DOES NOT share personally identifiable information except with contracted service providers as may be necessary to: (a) process orders and/or returns and obtain payment; (b) complete an enrollment as an Agent or customer; (c) maintain our genealogy database; (d) issue payment and report income to taxing authorities; (e) maintain communication with you; and (f) to assist law enforcement in an investigation, and/or (g) inform your upline Agents of your contact information so that they can manage their downline businesses (h) to upline Agent(s) as described in the Genealogy Information section; and/or (i) to list the Agent on the Company's Agent locator feature on the Company's website; (j) to assign a sales or enrollment lead to an Agent; (k) to governmental agencies as required pursuant to law and (l) for recognition purposes.

Order Processing & Tax Compliance

We utilize many third-party providers (for example & not limitation): software, shipping & merchant processing, to accept and fulfill your order. Each of these third-party providers requires your personal information to provide their service. We provide them with your personal information so your order can be fulfilled.

We also issue an annual 1099 to those Agents who earn $600 or more annually. By law we must report this to the Internal Revenue Service.

Personal Information

Your personal information is collected on enrollment and maintained by our software provider.

As an independent Agent marketing company, Annuity.com provides certain information to Agents regarding the other Agents enrolled in an Agent's Agency. If you enroll as an Agent or Customer with Annuity.com, your name, address, email address, telephone number, and sales volume information will be provided to other Agents as Agency information. Information relating to downline Agents is made available to Annuity.com Agent subject to a confidentiality and non-solicitation covenant in the agreement that each Agent executes with Annuity.com. However, Annuity.com does not warrant that other Agents will adhere to the confidentiality and non-solicitation covenants, and Annuity.com shall not be responsible for Agents' violation of these covenants.

Enrollment

The information you provide when you enroll is the only personal information we collect. It will be used by Annuity.com and disclosed as indicated in this privacy policy.

Sales Information

If you make a purchase from an Agent's Replicated Website, we will provide the Agent to whom this Site is assigned with your name, contact information, a description of the item(s) purchased, and the sales volume associated with the purchase, and any other information submitted and required by the Agent to complete the application and service your account. No other personally identifiable information will be shared with the Agent.

Compliance Actions

If you are the subject of an investigation or action by Annuity.com's compliance department we may share your personal information with our attorneys.

If you are the subject of an investigation or action by Annuity.com's compliance department we will share your personal information with your upline and notify them of the allegations, evidence, and the resolution and disposition of the matter.

Aggregate Information (non-personally identifiable)

Annuity.com may share aggregated demographic information with our partners, vendors, suppliers, third-party providers, and advertisers. This is not linked to any personally identifiable information.

Business Transitions

If Annuity.com goes through a business transition, such as being acquired by another company, or selling all or part of its assets, the personal information of Agents and customers will, in most instances, be part of the assets transferred. In such a case your personally identifiable information will be subject to the privacy policy of the entity that acquires Annuity.com.

Lead Assignment and Agent Locater Features

Annuity.com occasionally will assign prospective sales and new Agent leads to Agents. In these cases, we will provide the lead with the appropriate Agent's name and contact information and/or provide an Agent with the prospective lead's name and contact information. In addition, Annuity.com has an Agent Locator feature on its website. Pursuant to this feature, a prospective customer or new Agent can locate a nearby Annuity.com Agent. In order to make the Agent Locator feature and the lead assignments effective, the company will provide the prospective customer or new Agent with the Agent's name and contact information, which may include his/her telephone number, address, and/or email address.

Legally Required Law Enforcement, Judicial and Administrative Agency Disclosures

Annuity.com will provide confidential and personally identifiable information as necessary to comply with judicial and administrative orders, subpoenas, Civil or Criminal Investigative Demands, Administrative and Regulatory Demands and other legal obligations. In order for Annuity.com to conduct business in certain jurisdictions, Annuity.com may be called upon to disclose certain personally identifiable and confidential information to regulatory authorities in those jurisdictions (Montana demands such). Such information may include, but is not limited to, income information and personally identifiable information. We will provide such information as we deem necessary.

Surveys

It may become necessary to conduct surveys of our customers or Agents. Should we deem it necessary to conduct a survey, we may outsource the survey to a third party. We will provide the third-party surveyor with your personal information as is necessary for the third-party surveyor to conduct the survey and to those third parties who are engaged to review and analyze the results of the survey. We will not provide your social security number, credit card, or banking information to the surveyor.

COMMUNICATIONS FROM US

Special Offers and Updates

Annuity.com sends new Agents and Customers a welcoming email to verify password, username, and acceptance of the Agent Agreement or Customer Agreement. All Agents and Customers will occasionally receive information on the Annuity.com business, products, services, special deals, and a newsletter.

Service Announcements

On rare occasions it is necessary to send out a strictly service-related announcement. For instance, if our service is temporarily suspended for maintenance, we might send Agents and/or customers an email. Generally, Agents may not opt-out of these communications, though they can deactivate their account. However, these communications are not promotional in nature.

Agent and Customer Service

Annuity.com communicates with Agents and Customers via email, regular mail, text message, and telephone on a regular basis to provide requested services and in regard to issues relating to their Annuity.com business and products. Annuity.com communicates with customers with respect to products or services purchased by such customers from Annuity.com, or which customers may be interested in. Such communications may be by email, regular mail, text message, or telephone. Annuity.com also communicates with Agents through leaving messages in Agents' back office. Text rates may apply.

MISCELLANEOUS

Dispute Resolution

All disputes will be resolved as outlined in the Annuity.com, Inc. Individual Arbitration Agreement & Dispute Resolution Policy. For a copy of this agreement, please email service@annuity.com.

Changes to this Privacy Policy

Annuity.com reserves the right to amend or change this Privacy Policy at any time as is reasonably necessary. When material changes or amendments are made to the Privacy Policy, we will announce the same under the Privacy Policy tab for a period of at least 30 days prior to implementation of the amended Privacy Policy.

Links

Annuity.com's websites may contain links to or from other sites. Please be aware that Annuity.com is not responsible for the privacy practices of such other sites. We encourage users to be aware when they leave our site and to read the privacy statements of each and every website that collects personally identifiable information. This privacy statement applies solely to information collected by Annuity.com websites.

California Residents click here to see your privacy rights.

California Online Privacy Protection Act Compliance

Because we value your privacy, we have taken the necessary precautions to be in compliance with the California Online Privacy Protection Act. We therefore will not distribute your personal information to outside parties without your consent.

Children's Online Privacy Protection Act Compliance

We are in compliance with the requirements of COPPA (Children's Online Privacy Protection Act), we do not knowingly collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 13 years old or older.

Online Privacy Policy Only

This online privacy policy applies only to information collected through our website and not to information collected offline.

Questions

Questions regarding this Privacy Policy should be directed to support@annuity.com.

Effective Date

The effective date of this Privacy Policy is June 1, 2024.