Privacy Policy

Effective Date: December 17, 2025

Welcome to AnnuityLock.com (the “Site”), operated by Annuity Lock (hereinafter referred to as “Annuity Lock,” “we,” “us,” or “our”). This Privacy Policy describes how we collect, use, disclose, and protect your personal information when you visit our Site, use our services (the “Services”), or interact with us. By accessing or using the Site or Services, you agree to the terms of this Privacy Policy. If you do not agree, please do not use the Site or Services.

We are committed to protecting your privacy and handling your information responsibly. As an informational resource for annuity rates and a connector to third-party financial advisors, we collect data to help you make informed decisions about your financial future. This policy is designed to inform you transparently, building trust as you explore annuity options and connect with advisors who can assist in obtaining products tailored to your needs.

This Privacy Policy is incorporated into our Terms of Service. We encourage you to review it periodically, as we may update it from time to time.

1. Information We Collect

We collect information to provide educational content on annuities, display illustrative rates, and facilitate connections to licensed advisors. The types of information we collect include:

a. Information You Provide Directly

When you submit forms, request advisor connections, or interact with our Services, you may provide:

  • Personal identifiers: Name, email address, phone number, mailing address, date of birth, and zip code.
  • Financial details: Information about your income, assets, retirement goals, or other data relevant to annuity matching (e.g., via questionnaires).
  • Other: Feedback, survey responses, or communications you send us.

For example, when you request a connection to an advisor, we collect this information to match you with suitable third-party advisors who can help obtain annuities or similar products.

b. Information Collected Automatically

As you use the Site, we may collect:

  • Device and usage data: IP address, browser type, operating system, device identifiers, pages viewed, time spent, referring URLs, and interactions (e.g., clicks, scrolls).
  • Log data: Access times, errors, and navigation paths for site improvement.

We use cookies, pixels, web beacons, and similar tracking technologies (collectively, “Tracking Technologies”) to collect this data. See Section 5 for more details.

c. Information from Third Parties

We may receive information from:

  • Advisors or partners: Feedback on your interactions or additional details to improve matching.
  • Analytics providers: Aggregated usage insights (e.g., via Google Analytics).
  • Social media or other sources: If you connect via social platforms or we supplement data from public sources or data brokers, always in compliance with applicable laws.

We do not collect sensitive information like Social Security numbers unless necessary for advisor matching, and only with your explicit consent.

2. How We Use Your Information

We use your information to deliver valuable content, connect you with advisors, and enhance your experience. Specifically:

  • To provide Services: Display annuity rates (for illustrative purposes only), match you with third-party advisors based on your needs, and facilitate communications.
  • To communicate: Respond to inquiries, send updates, or follow up via email, phone, text, or automated systems (including AI-driven callers for verification or outreach). By providing your contact information, you consent to these communications, even if your number is on a do-not-call list.
  • To personalize: Tailor content, recommendations, and advisor matches to your financial goals.
  • For marketing and analysis: Send promotional offers (with opt-out options), conduct research, analyze trends, and improve the Site.
  • For operations: Prevent fraud, enforce our Terms, comply with legal obligations, and protect our rights.
  • For aggregated insights: Create de-identified data for business analytics, which may be shared without identifying you.

We do not use your information to provide direct financial advice or sell annuities ourselves—we act solely as an informational connector.

3. How We Share Your Information

Transparency in data sharing is key to building trust. We share information as follows:

  • With third-party advisors: When you request a match, we share your contact and financial details (e.g., name, email, phone, goals) so they can contact you about annuities or similar products. Advisors participate in our network and may pay us fees for leads, creating a potential conflict of interest (we prioritize matches based on your needs).
  • With service providers: Vendors, contractors, or affiliates who assist with operations (e.g., hosting, analytics, payment processing, AI communication tools), bound by confidentiality agreements.
  • For business transfers: In mergers, acquisitions, sales, or restructurings, your information may be transferred as an asset.
  • For legal reasons: To comply with laws, subpoenas, court orders, or government requests; to prevent fraud, enforce Terms, or protect safety/rights.
  • Aggregated or de-identified: For research, marketing, or reporting, where it cannot identify you.

We do not sell your personal information to unrelated third parties for their marketing purposes without your consent. Sharing with advisors is for your requested services only.

4. Your Choices and Rights

We empower you to control your information:

  • Opt-out of communications: Unsubscribe from marketing emails via the link provided or by emailing support@annuitylock.com. You may still receive service-related messages (e.g., advisor match confirmations). For AI/automated calls or texts, opt out similarly.
  • Access, update, or delete: Request access to your data, corrections, or deletion (subject to legal retention requirements) by contacting support@annuitylock.com. We respond within a reasonable timeframe.
  • California Residents (CCPA/CPRA): If applicable, you have rights to know, access, delete, correct, and opt-out of sales/sharing. We do not “sell” data as defined, but for opt-outs or requests, email support@annuitylock.com. No discrimination for exercising rights.
  • Other jurisdictions: Depending on your location (e.g., GDPR for EU residents), additional rights may apply—contact us for details.

5. Cookies and Tracking Technologies

We use Tracking Technologies to enhance usability and gather insights:

  • Cookies: Session (temporary) and persistent (stored) for preferences, login, and analytics.
  • Pixels/Beacons: Track interactions, email opens, and ad performance.
  • Third-party tools: Google Analytics for usage trends (opt-out at https://tools.google.com/dlpage/gaoptout); advertising networks for targeted ads.

Purposes: Personalize content, measure engagement, improve SEO-driven traffic, and optimize conversion paths. Choices: Manage via browser settings (may limit functionality); opt-out of interest-based ads via Digital Advertising Alliance or Network Advertising Initiative. We do not respond to Do Not Track signals.

6. Security

We implement industry-standard measures (e.g., encryption, access controls, secure servers) to protect against unauthorized access, loss, or misuse. However, no system is infallible—transmit information at your own risk. Report suspected breaches to support@annuitylock.com.

7. Children’s Privacy

Our Site is not intended for children under 13 (or 16 in some jurisdictions). We do not knowingly collect data from minors. If we discover such data, we delete it promptly.

8. Third-Party Links and Services

The Site may link to advisor sites or other third parties. We are not responsible for their privacy practices—review their policies before interacting.

9. International Transfers

Data may be processed in the US or other countries. By using the Site, you consent to transfers, subject to applicable protections.

10. Changes to This Privacy Policy

We may update this policy to reflect changes in practices or laws. Material changes will be notified via email (if we have your address) or Site notice. Continued use constitutes acceptance. Check back regularly.

11. Governing Law

This Privacy Policy is governed by Indiana law, without regard to conflict principles.

12. Contact Us

For questions, requests, or concerns: Email: support@annuitylock.com

Thank you for trusting AnnuityLock.com. By providing clear annuity information and seamless advisor connections, we aim to help you secure your financial future. Explore our resources today and take the next step toward informed decisions.