PRIVACY POLICY

annuityuniverse.com has created this Privacy Policy to demonstrate our firm commitment to privacy. The following discloses our information gathering and dissemination practices for the website annuityuniverse.com.

SECURE SITE

annuityuniverse.com uses an online secure form for customer to complete assessments and other information gathering and assessment scoring needs. When your request is placed through our secure online server we collect confidential customer information which our secure server software (SSL) encrypts before it is sent to us. All of the customer data we collect is protected against unauthorized access.

PERSONALLY IDENTIFIABLE INFORMATION

This information, collected to process your request, might include contact information such as name, mailing address, telephone number and email address. All customers’ information we collect is strictly confidential and maintained in encrypted electronic files. Our participating financial professionals, to whom this information is referred, are bound by the same terms of confidentiality, and use such information to contact the customers for purposes of providing customers with the requested information.

DISCLOSURE TO OUTSIDE PARTIES

Aggregate statistics about our customers, sales, traffic patterns and related site information may be provided to reputable third parties, which will not contain personally identifying or financial information. annuityuniverse.com may release account information when we believe, in good faith, that such release is reasonably necessary to comply with the law, enforce the terms of any of our user agreements or protect the rights, property or safety of Annuities.com, our customers or others.

USE OF INFORMATION

By submitting your information via our website or through one of our approved partners, and requesting information or a quote from us, you acknowledge and agree that a provider may contact you using your information to provide your requested quote or to obtain additional information needed to provide your requested quotes where permitted by law. In the event that we do not have a service provider in your area, your information may be shared with another company that will provide this same service. This company may have several providers contact you at their discretion. We are not responsible, and shall not be held liable, if a Provider or other third party to whom we have forwarded any of the information you submitted to us violates our Privacy Policy or such third party’s own privacy policy (if any), or otherwise violates the law.

COOKIES

We use outside companies to display ads on our site. These ads may contain pieces of information that a website transfers to a hard drive for record keeping purposes while at the site.

THIRD PARTY PRACTICES

We do share nor provide any information to third party organizations that are not approved as service providers (such as Annuity Agents) for annuityuniverse.com. Agents to whom information is shared are bound by the privacy policies of annuityuniverse.com and are also bound by additional requirements as state-licensed insurance agents and securities dealers. Any violation of such confidentiality can result in revocation of state licensing in addition to whatever action annuityuniverse.com may bring against them.

PERSONS UNDER 18

We have no way of distinguishing the age of individuals who access our website; however, in the event that we discover that a person under the age of 18 is providing personally-identifying information, we will not accept any such information. If a person had provided us with personally-identifying information without parental or guardian consent, the parent or guardian should contact us to remove that information and opt out of promotional opportunities.

YOUR CONSENT

By using our site, you consent to the collection and use of this information by annuityuniverse.com. If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it and under what circumstances we may disclose it.