PRIVACY POLICY
Effective Date: June 1, 2024
Version: Ver. 022024
Overview
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 (“Annuity.com,” “our,” “us,” or “we”).
The Site is operated by Annuity.com and hosted by a third-party technology provider. The information you submit on this Site is sent to and accessed by Annuity.com—not the Independent Agent to whom this Site is assigned (except as otherwise stated in this policy).
By visiting this Site and providing information to Annuity.com, you consent to the following privacy policy, including our use and disclosure of information as described below.
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. Personally identifiable information (“PII”) is any information that can be used to uniquely identify, contact, or locate a single person—such as names, addresses, email addresses, telephone numbers, Social Security numbers, tax identification numbers, and credit card or banking information.
Agent and Customer Information
To become an Agent or Customer, you must provide biographical and contact information (name, address, telephone number, and email).
Agent applicants must also provide personal identifiers such as a Social Security Number or Federal Tax ID Number so Annuity.com may prepare and file required non-employee compensation forms with the IRS.
Agents and Customers also provide payment details (credit card, debit card, or checking account) for billing and order processing 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:
Process orders, returns, and payments
Complete enrollment as an Agent or Customer
Maintain our genealogy database
Issue payments and report income to taxing authorities
Communicate with you
Assist law enforcement in investigations
Provide your contact information to your upline Agents for business management
List Agents on the Company’s Agent Locator feature
Assign a sales or enrollment lead to an Agent
Disclose information to governmental agencies as required by law
Recognize and reward Agents
Order Processing & Tax Compliance
We use third-party providers for software, shipping, and merchant processing. Each requires your personal information to fulfill orders.
We also issue IRS Form 1099s to Agents who earn $600 or more annually, as required by law.
Personal Information Storage
Your personal information is collected during enrollment and maintained by our software provider.
Annuity.com may provide limited Agent information (name, address, email, telephone number, and sales volume) to other Agents in your upline or downline for legitimate business purposes. Agents are bound by confidentiality and non-solicitation agreements, though Annuity.com cannot guarantee full compliance by all Agents.
Enrollment
The information you provide during enrollment is the only personal information collected and is used in accordance with this policy.
Sales Information
If you make a purchase through an Agent’s replicated website, Annuity.com will provide that Agent with your name, contact information, product details, and sales volume necessary to complete your transaction and service your account. No other personally identifiable information will be shared.
Compliance Actions
If you are the subject of an investigation or disciplinary action by Annuity.com’s Compliance Department, your personal information may be shared with our attorneys and your upline Agents, including evidence, allegations, and resolution details.
Aggregate (Non-Personal) Information
Annuity.com may share aggregated demographic data with partners, vendors, suppliers, third-party providers, and advertisers. This data is not linked to personally identifiable information.
Business Transitions
If Annuity.com is acquired or sells part or all of its assets, Agent and Customer information will likely be transferred as part of the transaction and will then be governed by the acquiring entity’s privacy policy.
Lead Assignment & Agent Locator Features
Annuity.com occasionally assigns leads to Agents and operates an Agent Locator tool on its website. To facilitate these, we may share the relevant Agent’s or prospective lead’s name, contact information, and location details.
Legal Disclosures
Annuity.com may disclose confidential or personally identifiable information to comply with legal orders, subpoenas, regulatory demands, or other lawful requests.
In certain jurisdictions (e.g., Montana), we may be required to disclose income and identity details to regulatory authorities.
Surveys
We may conduct surveys of Agents or Customers through third-party surveyors. These vendors receive only the personal information necessary to conduct and analyze results. Social Security, credit card, or banking details will never be shared for this purpose.
COMMUNICATIONS FROM US
Special Offers and Updates
New Agents and Customers receive a welcome email to verify credentials and acceptance of the applicable Agreement. Agents and Customers may also receive business updates, product information, promotions, and newsletters.
Service Announcements
On rare occasions, Annuity.com may send service-related notices (e.g., temporary maintenance notifications). These are informational and not promotional. Agents may not opt out of essential system notifications but can deactivate their accounts if desired.
Agent and Customer Service
Annuity.com communicates with Agents and Customers via email, mail, text message, or phone for account services, business updates, and product information.
Agents also receive communications through messages in their back-office system. Standard text message 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, email: [email protected]
Changes to this Privacy Policy
Annuity.com reserves the right to amend this Privacy Policy at any time.
Material changes will be announced under the Privacy Policy tab for at least 30 days prior to implementation.
Links
Annuity.com websites may contain links to or from third-party sites.
We are not responsible for the privacy practices of those sites. Please review each site’s privacy policy before providing personal information.
California Residents
California residents may click through our official site to review their privacy rights under the California Consumer Privacy Act (CCPA).
California Online Privacy Protection Act Compliance
We comply with the California Online Privacy Protection Act and do not distribute personal information to outside parties without consent.
Children’s Online Privacy Protection Act (COPPA)
Annuity.com complies with COPPA and does not knowingly collect any information from individuals under 13 years of age.
All products and services are directed toward users 13 or older.
Online Privacy Policy Only
This privacy policy applies solely to information collected online, not offline.
Questions
Questions regarding this Privacy Policy should be directed to:
© 2024 Annuity.com™, Inc. All rights reserved.