Terms & Conditions

Introduction

Welcome to The Annuity Guide, a digital education and informational platform owned and operated by [Your Legal Business Name], a [State] limited liability company ("The Annuity Guide", "we", "us", or "our"). By accessing www.theannuityguide.com or any affiliated applications, services, or content (collectively, the "Site"), you agree to these Terms & Conditions and our Privacy Policy.

These Terms & Conditions apply to all visitors, users, and others who access or use the Site ("you", "your", or "Users"). If you do not agree to be bound by these terms, do not access or use the Site.

We may update these Terms & Conditions at any time. Your continued use of the Site after changes are posted constitutes your acceptance of those changes.

This Site and its content are intended only for U.S. residents and are not intended to be distributed or used in any jurisdiction where such use would be unlawful or would subject us to regulatory compliance or registration. The Site does not provide financial, legal, tax, or investment advice, and nothing on the Site constitutes a solicitation or offer to buy or sell any financial product or service.

Your relationship with us may be further governed by separate agreements depending on your role (e.g., client, partner, advisor), and we may apply more restrictive privacy or use policies in accordance with legal obligations or those agreements.

Basic Terms

You must be at least 13 years old to use this Site.

You are responsible for any activity that occurs through your Site account.

You may not create an account for another individual or entity without authorization.

All information you provide must be truthful, accurate, current, and complete.

You are responsible for keeping your login credentials confidential.

You may not engage in illegal, harassing, abusive, or otherwise inappropriate behavior on or through the Site.

You may not use the Site to post or distribute confidential or private information unless explicitly requested.

You may not use the Site in any way that violates applicable laws, including intellectual property laws.

You may not tamper with, modify, or disrupt the Site or attempt to access data not intended for you.

You may not use bots, scripts, or automated tools to access or interact with the Site.

You may not create or promote spam, unsolicited messages, or other disruptive communications.

Violation of these Terms may result in suspension or termination of your account or access to the Site.

General Conditions

We may modify, suspend, or terminate the Site or your access at any time, without notice.

We may change these Terms & Conditions at any time by posting updated terms on the Site.

Continued use after changes are posted constitutes acceptance of the revised Terms.

We may refuse service or access to the Site for any reason at our sole discretion.

We reserve the right to remove, monitor, or block any content or user activity that violates these Terms.

We are not responsible for interactions between users, but may choose to intervene at our discretion.

Third-party links and content on the Site are not under our control and we are not responsible for their content, policies, or practices.

You are solely responsible for data charges or fees incurred while using the Site.

Unauthorized automated access (scraping, crawling, etc.) is strictly prohibited.

You agree to use the Site only for lawful purposes.

Intellectual Property and Content Rights

You grant us a non-exclusive, royalty-free, transferable, worldwide license to use, distribute, and display any content you submit through the Site, subject to our Privacy Policy.

You represent that you have the rights necessary to post any content you share and that such content does not violate the rights of others.

We retain all rights to the Site’s content, branding, and design, which may not be copied or used without our permission.

The Site may feature sponsored or promotional content, which may not always be identified as such.

We may remove or retain any user content, even after you delete your account or remove it from public view.

You are solely responsible for backing up your content.

Disclaimer of Warranty & Limitation of Liability

The Site and its contents are provided "as is." We make no warranties—express or implied—regarding accuracy, reliability, or fitness for a particular purpose. You use the Site at your own risk.

We are not liable for:

Any interruption or unavailability of the Site;

Unauthorized access, use, or disclosure of your content;

Any errors or omissions in Site content;

Any damages (including incidental, consequential, or indirect damages) arising out of your use or inability to use the Site.

If you are a New Jersey resident, these limitations may not apply to you to the extent prohibited by law.

Jurisdiction & Governing Law

These Terms & Conditions are governed by the laws of the United States and the State of Nevada, without regard to conflict of law principles.

Disputes must be resolved exclusively in federal or state courts located in Nevada, USA. You and The Annuity Guide agree to bring claims only in individual capacity—not as part of a class or representative action—unless both parties agree otherwise.

If any part of these Terms is found unenforceable, it will be modified to the minimum extent necessary, and all other provisions will remain in full force.

Privacy & Security

Your use of the Site is also governed by our Privacy Policy. You may not use the Site to harvest data or infringe on the privacy of others.

Indemnification

You agree to indemnify and hold harmless The Annuity Guide, its owners, employees, agents, affiliates, and service providers from any claims, damages, liabilities, and costs (including legal fees) arising from:

Your breach of these Terms;

Your content or activity on the Site;

Your violation of any law or third-party rights.

Contact Us

If you have any questions about these Terms or our policies, please contact:

The Annuity Guide
Attn: Website Administrator
[Insert Business Address]
[Insert Phone Number]
[Insert Email Address]

To report copyright or intellectual property violations, please provide a description of the issue and relevant materials.