Annuity.com Independent Agent

1. Overview

Annuity.com, Inc. (“Annuity.com,” “we,” “our,” or “us”) respects your privacy. This Privacy Policy explains what information we collect when you visit annuity.com and affiliated subdomains (collectively, the “Site”), how we use it, how we share it, and the choices you have about our use of your information.

This policy applies to consumers who visit the Site or submit information through it. If you do not agree with this policy, please do not use the Site.

2. Information We Collect

Information you provide directly

When you use the Site, you may choose to provide us with personal information, including:

Contact information: name, email address, phone number, and ZIP code when you submit a contact form, request a quote or rate, or request to be matched with a licensed advisor
Planning inputs: non-sensitive information you enter into our calculators (such as age, target retirement income, general savings figures) — we do not require or ask for account numbers or sensitive financial credentials
Communications: the content of emails, messages, or other communications you send us

Information collected automatically

When you visit the Site, we and our service providers automatically collect certain information, including:

Device and browser information: IP address, browser type and version, operating system, device identifiers, and screen resolution
Usage information: pages viewed, links clicked, referring URLs, time spent on the Site, and general navigation patterns
Approximate location: general geographic location derived from your IP address (typically city and state — we do not collect precise GPS-level geolocation)
Cookies and similar technologies: see Section 6 below

What we do NOT collect

We do not ask for or collect bank account numbers, Social Security numbers, credit card numbers, driver’s license numbers, biometric identifiers, precise geolocation, or online-account credentials through the Site. If you need to provide this kind of information as part of purchasing an annuity, it will be collected directly by the insurance carrier or a licensed advisor through their own secure systems — not through annuity.com.

3. Sensitive Personal Information

Several state privacy laws (including California’s CPRA and Colorado’s CPA) define categories of “sensitive personal information” that receive heightened protection — including Social Security numbers, precise geolocation, racial or ethnic origin, religious beliefs, health information, sexual orientation, biometric identifiers, and financial account credentials.

We do not knowingly collect, use, or share sensitive personal information through the Site for purposes that would trigger state-law rights to limit sensitive-information processing. We do not use sensitive personal information to infer characteristics about you.

We also do not collect or process “consumer health data” as defined under Washington’s My Health My Data Act, California’s consumer health data law, or similar state laws.

4. How We Use Your Information

We use the information we collect to:

Respond to your inquiries and fulfill the requests you make (for example, connecting you with a licensed advisor you have asked to speak with)
Operate, maintain, and improve the Site and its features
Personalize your experience and provide relevant educational content
Send you transactional communications (such as confirmations) and, if you have opted in, newsletters or educational updates
Understand how visitors use the Site so we can improve our content and tools
Detect, prevent, and respond to fraud, abuse, security incidents, and illegal activity
Comply with legal obligations and enforce our Terms of Use

We do not use your personal information for automated decision-making or profiling that produces legal or similarly significant effects concerning you.

We do not sell your personal information for money. We share information only in the following circumstances:

With licensed advisors you’ve asked to contact you

When you submit a request for a quote, rate, or personal consultation, we share your contact information and stated request with one or more independent licensed insurance advisors in our referral network so they can respond to you. When you submit such a request, the consent language on the submission form will clearly identify the parties that may contact you.

These advisors are independent professionals, not employees of Annuity.com. Once your information is shared with an advisor, that advisor’s own privacy practices apply to their use of your information.

With service providers

We use trusted third-party service providers to help us operate the Site and serve you, including website hosting, email delivery, analytics, customer-relationship management (CRM), form processing, security, and call tracking. These providers may access your information only to perform services on our behalf and are contractually obligated to protect it.

For legal reasons

We may disclose information when we reasonably believe it is necessary to: comply with a subpoena, court order, or other legal process; enforce our Terms of Use; protect the rights, property, or safety of Annuity.com, our users, or others; or respond to a government request.

In a business transfer

If Annuity.com is involved in a merger, acquisition, financing, reorganization, or sale of assets, information we have collected may be transferred as part of that transaction. We will notify users of any change in ownership or use of your personal information.

We will share information in other ways with your consent or at your direction.

Certain cookies and tracking technologies used on the Site (such as advertising pixels) may be considered “sharing” of personal information for cross-context behavioral advertising under some state privacy laws. See Sections 7 and 12 for details and your opt-out rights.

6. Cookies and Tracking Technologies

We and our service providers use cookies, pixels, web beacons, and similar technologies on the Site. These include:

Strictly necessary cookies that enable core Site functionality (these cannot be disabled)
Analytics cookies that help us understand how the Site is used (for example, Google Analytics)
Advertising and retargeting cookies that allow us and third-party advertising partners to show relevant ads on other websites

You can control cookies through your browser settings and through our cookie-preferences tool on the Site, where available. Blocking cookies may affect how the Site functions.

7. Analytics and Advertising

We use third-party analytics services — including Google Analytics — to understand Site traffic and usage. These services use cookies and similar identifiers. You can learn more about how Google uses data at policies.google.com/technologies/partner-sites and opt out of Google Analytics via the Google Analytics Opt-Out Browser Add-on.

We may also use advertising services (such as Meta/Facebook pixels or similar technologies) that allow us to reach audiences who have previously visited the Site or shown interest in topics we cover. To opt out of many interest-based ads across participating companies, visit the Digital Advertising Alliance opt-out page or the Network Advertising Initiative opt-out page.

8. Calls, Texts, Emails, and Your Opt-Out Rights

If you submit a request through the Site, you may receive contact from Annuity.com or a licensed advisor in our network by phone, email, or SMS, consistent with the consent language displayed at the point of submission and with the Telephone Consumer Protection Act (TCPA) and other applicable laws.

Where you provide a phone number and check a consent box on our Site, you are providing prior express written consent under the TCPA for the parties identified in the consent disclosure to contact you by phone or text — including with autodialed or prerecorded calls or messages — at the number you provide. Message and data rates may apply. Consent is not a condition of purchase.

Opt-out options

Email: You can unsubscribe from marketing emails by clicking “unsubscribe” in any marketing message. Transactional messages (such as responses to your direct inquiry) may still be sent.
SMS/text: If you receive SMS messages, you may opt out by replying “STOP” to any message. You may reply “HELP” for help.
Phone: You may request not to be contacted by phone by emailing [email protected], or by telling the caller directly to place you on our internal do-not-call list.
National Do Not Call Registry: You can register your phone number at donotcall.gov.

9. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this policy, to comply with legal and regulatory obligations (including insurance-industry recordkeeping requirements and the five-year retention requirement for telemarketing consent records under the Telemarketing Sales Rule), to resolve disputes, and to enforce our agreements. Retention periods vary based on the type of information and the reason we hold it. When information is no longer needed, we take reasonable steps to delete or anonymize it.

10. Security

We maintain reasonable administrative, technical, and physical safeguards designed to protect the information we collect. However, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security. If we learn of a security breach that compromises your personal information, we will notify you and applicable authorities as required by law.

11. Children’s Privacy

The Site is not intended for children under 18 years of age. We do not knowingly collect personal information from children under 18, and we do not knowingly sell or share personal information of minors. If you believe a child has provided personal information to us, please contact us at [email protected] and we will take steps to delete that information.

12. Your State Privacy Rights

If you are a resident of a U.S. state with a comprehensive privacy law, you may have specific rights regarding your personal information. As of 2026, states with such laws in effect include:

California, Colorado, Connecticut, Delaware, Florida, Indiana, Iowa, Kentucky, Maryland, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Rhode Island, Tennessee, Texas, Utah, and Virginia. Additional state laws are scheduled to take effect in 2026 and later years.

Rights that may be available to you

Subject to verification and legal exceptions, residents of these states generally have some or all of the following rights:

Right to know / access: to know what personal information we have collected about you and obtain a copy
Right to correct: to request correction of inaccurate personal information
Right to delete: to request deletion of personal information we have collected from you
Right to data portability: to receive a copy of your data in a portable, readable format
Right to opt out of sale or sharing: including for purposes of cross-context behavioral advertising
Right to opt out of profiling that produces legal or similarly significant effects (we do not currently conduct such profiling)
Right to limit use of sensitive personal information (we do not currently use sensitive personal information in ways that would trigger this right)
Right to appeal a denial of a privacy request (required in several states)
Right not to be discriminated against for exercising any of these rights

How to exercise your rights

To submit a privacy request, email [email protected] with “Privacy Request” and your state of residence in the subject line, or use our contact form. We will need to verify your identity before fulfilling a request and will respond within the timeframes required by applicable state law. You may also authorize an agent to submit a request on your behalf, subject to verification.

If we deny your request, you may appeal our decision by replying to our denial. We will respond to your appeal within the timeframes required by applicable state law.

13. California-Specific Notice (CCPA/CPRA)

This section provides additional disclosures for California residents as required by the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA).

Categories of personal information collected in the past 12 months

Identifiers: name, email address, phone number, IP address, ZIP code
Internet or network activity: browsing history on our Site, interactions with ads or content
Geolocation data: approximate location derived from IP address (not precise geolocation)
Commercial information: general information about products or topics you’ve expressed interest in
Inferences: preferences and interests based on Site usage

Sources, purposes, and recipients

Sources, purposes for collection, and categories of recipients are described in Sections 2, 4, and 5 of this policy, respectively. We retain each category only for as long as necessary for the purposes disclosed.

Sensitive personal information

As described in Section 3, we do not knowingly collect or use sensitive personal information in a way that would give rise to a right to limit its use under the CPRA.

We do not sell personal information in exchange for money. However, our use of certain third-party advertising cookies and pixels may be considered “sharing” of personal information for cross-context behavioral advertising under the CCPA/CPRA. California residents have the right to opt out of this sharing through the methods described in Section 14.

Notice of financial incentives

We do not offer financial incentives in exchange for the collection, sale, or sharing of personal information.

14. Global Privacy Control and Universal Opt-Out Mechanisms

Some browsers send a “Do Not Track” (DNT) signal. Because there is no industry standard for DNT, we do not respond to DNT signals.

We do recognize the Global Privacy Control (GPC) signal and other universal opt-out mechanisms as a valid opt-out of the sale and sharing of personal information for residents of California, Colorado, Connecticut, Oregon, Texas, and other states that require recognition of such signals. When we detect a valid GPC signal from your browser, we will treat it as a request to opt out of sharing for cross-context behavioral advertising on that browser.

15. Changes to This Policy

We may update this Privacy Policy 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 or an email). We encourage you to review this policy periodically.

16. Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact us:

Annuity.com, Inc. — Privacy Team

Email: [email protected]

General Contact: annuity.com/contact

Privacy Policy