Disclaimer, Terms and Conditions of Use
- Updated: September 23, 2022
- 11 min read time
PLEASE READ THIS DISCLAIMER AS WELL AS TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THIS WEBSITE.
By accessing, browsing, or using this website, you signify your assent to the Disclaimer as well as Terms and Conditions. If you do not agree to all of these Terms and Conditions of use, do not use this website. The website itself is owned by Annuity.org, LLC, a for-profit company. Your use of this website is bound by these Terms and Conditions and is an agreement with Annuity.org and Annuity.org, LLC.
This page spells out the disclaimers for Annuity.org and the terms and conditions for any user of the website.
The laws of the State of Florida will govern the content and materials contained on this Site, without giving effect to any principles of conflicts of laws. By accessing this site, you agree to the jurisdiction of the state or federal courts sitting in the State of Florida.
Website Contents, Ownership and Use Restrictions
The information contained in this website including all images, illustrations, designs, photographs, video clips, writings and other materials (collectively referred to as “Content”) that appear herein are copyrights, trademarks, trade dress or other intellectual property owned, controlled or licensed are the property of Annuity.org. The name Annuity.org as well as its logos are registered marks of Annuity.org and its owner and may not be used in any way, including in advertising or publicity without our prior written permission.
You may print a copy of the information contained herein for your personal use only, but you may not copy, reproduce, distribute, republish, download, display, post electronically or mechanically, transmit, record, in any manner mirror, photocopy, or reproduce the same without the prior written permission of Annuity.org or the applicable copyright owner.
Disclaimer of Warranty
ANNUITY.ORG IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE DISCLAIM ALL WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. ANNUITY.ORG DISCLAIMS ALL RESPONSIBILITY FOR ANY LOSS, INJURY, CLAIM, LIABILITY OR DAMAGE OF ANY KIND RESULTING FROM, ARISING OUT OF OR IN ANY WAY RELATED TO (A) ANY ERRORS IN OR OMISSIONS FROM OUR SITE AND ITS CONTENT, INCLUDING BUT NOT LIMITED TO TECHNICAL INACCURACIES AND TYPOGRAPHICAL ERRORS; (B) ANY THIRD-PARTY WEBSITES OR CONTENT ON THOSE SITES DIRECTLY OR INDIRECTLY ACCESS THROUGH LINKS ON OUR SITE, INCLUDING BUT NOT LIMITED TO ANY ERRORS IN OR OMISSIONS THEREFROM; (C) THE UNAVAILABILITY OF OUR SITE OR ANY PORTION OF IT; (D), THE USER’S USE OF OUR SITE; OR (E) THE USER’S USE OF ANY EQUIPMENT OR SOFTWARE IN CONNECTION WITH OUR SITE.
The information published at this web site is educational in nature and is not intended to be a recommendation to sell or purchase an annuity or any specific insurance or financial product. You are strongly urged to consult with financial planning, tax, and legal advisors to determine if an annuity is suitable in your financial situation.
Indemnification/Limitation of Liability
Annuity.org, for the purposes of indemnification and limitation of liability, includes Launch That, LLC. You will indemnify and hold harmless Annuity.org and its subsidiaries, affiliates, officers, directors, owners, shareholders, employees, agents, printers, contractors, vendors, co-branders, suppliers, internet service providers, and partners from any loss, cost, claim, demand or other harm of any kind, including reasonable attorneys’ fees, due to or arising out of your unauthorized use of this website or any violation by you of any laws or your violation of any rights of another person.
IN NO EVENT SHALL ANNUITY.ORG BE LIABLE FOR SPECIAL, INDIRECT, EXEMPLARY, OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER, INCLUDING BUT NOT LIMITED TO, LOSS OF USE, DATA, OR PROFITS, WITHOUT REGARD TO THE FORM OF ANY ACTION, INCLUDING BUT NOT LIMITED TO CONTRACT, NEGLIGENCE, OR OTHER TORTIOUS ACTIONS, ALL ARISING OUT OF OR IN CONNECTION WITH THE USE, COPYING, OR DISPLAY OF THE CONTENTS OF THIS SITE.
Annuity.org, which for the purposes of limitations of liability includes its affiliates, listees and any officer, director, employee, subcontractor, agent, successor or assignee of Annuity.org, its affiliates and its listees, shall not be liable for any direct, indirect, incidental, special or consequential damages of any kind pertaining to your use of this website, regardless of any negligence of Annuity.org. That includes, without limitation, attorneys’ fees and lost profits or savings in any way because of, resulting from or arising in connection with Annuity.org.
Any information provided through this website or through links to other websites are provided for educational and general informational purposes only and should not be construed as legal advice nor substituted for legal advice provided by a competent attorney.
Annuity.org is not and shall not be liable for any claim, loss, cost or liability that arises out of, or relates to a user’s use of links provided by Annuity.org to other websites. A user of Annuity.org assumes total responsibility for any damages that may result from the use of any links, including damages which may result from viruses or computer problems associated with such links or repair and replacement of computers or server information, and for any time lost as the result of such damages.
Additionally, by submitting data on this website, you agree with the following: (a) in the event of a dispute (other than one filed in small claims court) involving Lead Data, you and Annuity.org consent to arbitrate that dispute with anyone who purchases such Lead Data before a single arbitrator under the then-current rules of the Judicial Arbitration and Mediation Services, Inc. in a location convenient to you; (b) you agree not to participate in a class action, a class-wide arbitration, claims brought in a representative capacity, or consolidated claims involving another person’s Lead Data if Annuity.org or a purchaser of the Lead Data is a party to the proceeding; and (c) you will have thirty (30) days from the date you submit your Lead Data to opt out of the arbitration agreement.
Laws in Case of Dispute
These Terms and Conditions are governed by and construed in accordance with the laws of the State of Florida as they apply to agreements made and solely performed therein. Disputes between users of our site and Annuity.org and Annuity.org, LLC shall be subject to the jurisdiction of the State of Florida and U.S. federal courts.
User Comments, Feedback and Other Information Submissions Provided by You
You agree that any comments, feedback or other information that you transmit to Annuity.org about this website (“Transmissions”) shall be and remain Annuity.org/Annuity.org, LLC’s property. All Transmissions will be treated as non-confidential and non-proprietary and Annuity.org shall be under no obligation of any kind with respect to such information and shall be free to reproduce, use, disclose, and distribute the Transmissions to others without limitation. Additionally, Annuity.org shall be free to use any ideas, concepts, know-how, or techniques contained in such information for any purpose whatsoever including, but not limited to, developing, manufacturing, or marketing products incorporating such information.
In addition, you agree, and are hereby put on notice, that you are prohibited from posting or transmitting to or from this website any unlawful, threatening, libelous, defamatory, inflammatory, pornographic, or profane material or any other material that could give rise to any civil or criminal liability under law. You are solely responsible for the content of any comments you make.
Links to Third-Party Sites or Content
Links to third party content or sites are provided for your convenience and information only. The content of any linked third party site is not under our control, and we are not responsible for it.
We reserve the right to terminate a link to a third party site at any time. The fact that we provide a link to a third party site does not necessarily mean that we endorse, authorize or sponsor that site, nor that we are affiliated with the third party site’s owners or sponsors.
We may include relevant affiliate links (both in the content, sidebar and elsewhere). We have the potential to earn from qualifying clicks. This does not add any additional cost to our users.
Privacy/Treatment of Information of Data Transmitted to Us
Product Guarantees and Surrender Charges
Annuity product guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Annuities are not guaranteed by any bank or credit union and are not insured by the FDIC or any other federal government agency. Surrender charges may apply to withdrawals during the surrender period. A 10% IRS penalty may apply to withdrawals prior to age 59 ½. Annuity product guarantees rely on the financial strength and claims-paying ability of the issuing insurer.
Rates Are Subject to Change
Rates which may be provided on-line, by fax, mail, e-mail or phone are estimates and are generally reflective of the best rates available for various annuity products as of the date that any rate comparisons are prepared by us. Rates provided in this manner are not firm quotes or offers, but rather estimates which are based on information provided to us by you and by the various insurance companies quoted. Final rates and contractual provisions will always be specified in the issued contract/policy.
All Products, Programs and Services May Not be Available in Your Area
This website is controlled by us from our offices within the United States. If you choose to access this website from other jurisdictions, you do so at your own risk as you are always responsible for your compliance with applicable laws. You may not use or export the materials in this website.
Annuity.org is not authorized or licensed to do business in every jurisdiction. As such, the Services published on this website may not be available in your state or country. Also, these Services are only available to individuals age 18 or older and residents of the United States. At our sole discretion, we may refuse any or all of our Services to anyone at any time.
Changes to Terms and Conditions
We reserve the right to change the Terms and Conditions of Annuity.org at any time and without notice. Users should review this page on a regular basis for any changes. Use of this website following any changes constitutes a user’s acceptance of changes.
Notice and Takedown Procedures and Copyright Agent
If you believe any materials accessible on or from this website infringe your copyright, you may request removal of those materials (or access thereto) from this website by contacting Annuity.org ‘s copyright agent (identified below) and providing the following information:
- Identification of the copyrighted work that you believe to be infringed. Please describe the work, and where possible include a copy or the location (e.g., URL) of an authorized version of the work.
- Identification of the material that you believe to be infringing and its location. Please describe the material, and provide us with its URL or any other pertinent information that will allow us to locate the material.
- Your name, address, telephone number and (if available) e-mail address.
- A statement that you have a good faith belief that the complained of use of the materials is not authorized by the copyright owner, its agent, or the law.
- A statement that the information that you have supplied is accurate, and indicating that “under penalty of perjury,” you are the copyright owner or are authorized to act on the copyright owner’s behalf.
- A signature or the electronic equivalent from the copyright holder or authorized representative.
Annuity.org’s agent for copyright issues relating to this web site is as follows:
1 S. Orange Avenue, Suite 500B
Orlando, FL 32801
If you have any questions regarding any information found on this website, we invite you to either fill out our contact form or contact us at 855-496-9593.