The rules for using this website and engaging our services. If you have questions after reading, email us before you book.
These Terms of Service (the "Terms") are a binding agreement between you and Annuity Agency LLC ("The Annuity Agency," "we," "us," or "our"). They govern your access to and use of annuity-agency.com, get-started.annuity-agency.com, and any other website, form, page, or service we operate that links to these Terms (together, the "Site"), as well as any services you engage us to perform (the "Services").
By accessing the Site, submitting a form or application, booking a call, or engaging our Services, you confirm that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy. If you do not agree, do not use the Site or the Services.
The Annuity Agency is an appointment generation firm operated by Annuity Agency LLC. We build and run advertising, qualification, and scheduling systems that place pre-qualified annuity appointments on the calendars of the producers who engage us. Our registered contact details appear at the end of these Terms.
The Site and the Services are offered to independent, state-licensed annuity producers, agencies, IMOs, and FMOs, in a business-to-business capacity. You represent that you are at least 18 years old, are acting on behalf of a business, and hold the licenses required to sell annuity products in the states in which you operate.
Nothing on this Site is directed at consumers, and nothing on this Site is investment, tax, legal, insurance, or financial advice. We are not an insurance carrier, a broker-dealer, or a registered investment adviser. We do not sell annuity products, we do not recommend specific annuity products, and we do not represent any carrier.
We will perform the Services described in the engagement agreement you sign with us, with reasonable skill and care. Beyond that:
Service scope, fees, billing cadence, term, minimum advertising spend, renewal, and cancellation are set out in the written engagement agreement you sign with us. That agreement governs the commercial relationship. Where these Terms and your engagement agreement conflict on a commercial point, your engagement agreement controls.
Offers, pricing, and promotional terms described anywhere on the Site are marketing descriptions only. They may change at any time and are not binding until they appear in a signed engagement agreement.
Unless your engagement agreement states otherwise, advertising spend is separate from our fees and is billed directly to you by the advertising platform. Where you grant us access to your advertising accounts, business manager, ad accounts, calendar, CRM, phone number, or domain, you grant us permission to operate those assets solely to deliver the Services, and you remain the account owner. You are responsible for the platform policies that apply to your accounts, and for any balances owed to those platforms.
You agree not to use the Site or the Services to break the law, to infringe anyone's rights, to transmit malware, to scrape or harvest data by automated means, to attempt to gain unauthorized access to our systems or accounts, to interfere with the operation of the Site, or to resell, sublicense, or redistribute the Services or the appointments we deliver without our written permission.
When you submit a form, complete an application, or book a call, you agree that we may contact you about your inquiry and your engagement by email, telephone, and text message at the contact details you provide, including by automated means. Consent to marketing messages is not a condition of purchasing any service.
Message frequency varies. Message and data rates may apply. You can stop text messages at any time by replying STOP, and you can request help by replying HELP. You can unsubscribe from marketing email using the link in any marketing message. Transactional messages about a call you have booked or an active engagement may continue after you opt out of marketing. How we handle your information is described in our Privacy Policy.
These messages are sent by Annuity Agency LLC, operating as The Annuity Agency. For help, reply HELP to any message, email hello@annuity-agency.com, or call 850-378-4130. We do not sell, rent, or share mobile telephone numbers, or your consent to receive text messages, with third parties or affiliates for their own marketing purposes.
The Site and its contents, including copy, articles, illustrations, charts, photographs, brand names, logos, page designs, and underlying code, are owned by us or our licensors and are protected by intellectual property law. You may view, quote, and share our published content with attribution and a link. You may not republish substantially the whole of a work, present our content as your own, or use our name or marks in a way that implies partnership, endorsement, or certification without our written permission.
Any feedback or suggestions you send us may be used without restriction or compensation.
The Site links to and is delivered with third-party tools, including scheduling, form, analytics, advertising, email, and messaging providers. We are not responsible for the content, availability, accuracy, or practices of third-party sites and services, and a link is not an endorsement. Your use of a third-party service is governed by that provider's own terms and privacy policy.
Each of us may receive non-public information from the other in the course of an engagement, including account data, performance figures, pricing, and strategy. Each of us agrees to use that information only to perform or receive the Services, and not to disclose it to anyone else except to staff, contractors, and advisers who need it and are bound to keep it confidential, or where disclosure is required by law.
Except where your engagement agreement says otherwise, the Site and the Services are provided on an "as is" and "as available" basis. To the maximum extent permitted by law, we disclaim all warranties, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and any warranty arising from course of dealing or usage of trade. We do not warrant that the Site will be uninterrupted, timely, secure, or error free.
To the maximum extent permitted by law, neither we nor our officers, members, employees, or contractors are liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost commissions, lost business, lost data, or loss of goodwill, arising out of or relating to the Site, the Services, or these Terms, whether based in contract, tort, strict liability, or any other theory, and whether or not we were advised of the possibility of those damages.
To the maximum extent permitted by law, our total aggregate liability for all claims arising out of or relating to the Site, the Services, or these Terms will not exceed the total fees you paid us in the three months immediately preceding the event giving rise to the claim. These limits do not apply to liability that cannot be limited or excluded under applicable law.
You agree to indemnify, defend, and hold harmless Annuity Agency LLC and its officers, members, employees, and contractors from any claim, demand, loss, liability, fine, penalty, or expense, including reasonable legal fees, arising out of your use of the Site or the Services, your breach of these Terms, your breach of any law or carrier or platform rule, the advertising and messaging you approve for use in your name, or your conduct with any consumer whose appointment we deliver to you.
These Terms apply for as long as you use the Site or receive the Services. We may suspend or terminate your access to the Site, and may decline to provide Services, at any time and for any reason, including a breach of these Terms or conduct that we reasonably believe exposes us, a consumer, a carrier, or an advertising platform to risk. Termination of an engagement is governed by your engagement agreement. Sections that by their nature should survive termination, including sections 10, 12, 13, 14, 15, 17, and 19, survive.
These Terms and any dispute arising out of or relating to them, the Site, or the Services are governed by the laws of the State of Florida, without regard to its conflict of laws rules. You and we agree that the exclusive venue for any such dispute is the state or federal courts located in the State of Florida, and each of us consents to the personal jurisdiction of those courts.
If a dispute arises, contact us first at the address below with a short written description of the issue and the outcome you are seeking. Most issues are resolved this way. Each of us agrees to attempt an informal resolution in good faith for 30 days before starting a formal proceeding.
If any provision of these Terms is held unenforceable, the rest remain in effect and the unenforceable provision is modified to the minimum extent needed to make it enforceable. Our failure to enforce a provision is not a waiver of it. You may not assign these Terms without our written consent; we may assign them in connection with a merger, acquisition, or sale of assets. These Terms, together with our Privacy Policy and any engagement agreement you sign, are the entire agreement between us on their subject matter and replace any prior understanding on that subject.
We may update these Terms from time to time. When we do, we will revise the "Last updated" date above and post the revised Terms on this page. Material changes take effect when posted. Continuing to use the Site or the Services after that means you accept the revised Terms.
Annuity Agency LLC
3259 Maplewood Drive, Gulf Breeze, FL 32563