1. User's Acknowledgment and Acceptance of Terms
Annuities HQ ("Us" or "We") provides the AnnuitiesHQ.com site and various related services (collectively, the "site") to you, the user, subject to your compliance with all the terms, conditions, and notices contained or referenced herein (the "Terms of Use"), as well as any other written agreement between us and you. In addition, when using particular services or materials on this site, users shall be subject to any posted rules applicable to such services or materials that may contain terms and conditions in addition to those in these Terms of Use. All such guidelines or rules are hereby incorporated by reference into these Terms of Use.
BY USING THIS SITE, YOU AGREE TO BE BOUND BY THESE TERMS OF USE. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS OF USE, PLEASE EXIT THE SITE NOW.
These Terms of Use are effective as of May 16, 2026. We expressly reserve the right to change these Terms of Use from time to time without notice to you. Your continued use of this site after such modifications will constitute acknowledgement of the modified Terms of Use and agreement to abide and be bound by the modified Terms of Use.
2. Description of Services
We make various services available on this site including, but not limited to, information about annuities, and other like services. You are responsible for providing, at your own expense, all equipment necessary to use the services, including a computer, modem, and Internet access. We reserve the sole right to either modify or discontinue the site, including any of the site's features, at any time with or without notice to you.
3. Registration Data and Privacy
In order to access some of the services on this site, you will be required to use an account and password that can be obtained by completing our online registration form. By registering, you agree that all information provided is true and accurate. The information we obtain through your use of this site is subject to our Privacy Policy, which is specifically incorporated by reference into these Terms of Use.
4. Conduct on Site
Your use of the site is subject to all applicable laws and regulations, and you are solely responsible for the substance of your communications through the site. You agree that you will not upload, share, post, or otherwise distribute any content that is unlawful, threatening, abusive, harassing, defamatory, libelous, deceptive, or fraudulent; that victimizes or intimidates individuals on the basis of religion, gender, sexual orientation, race, ethnicity, age, or disability; that infringes on any patent, trademark, trade secret, copyright, or other proprietary right; that constitutes unauthorized or unsolicited advertising or spam; or that impersonates any person or entity.
5. Third Party Sites and Information
This site may link you to other sites on the Internet. These other sites and parties are not under our control, and you acknowledge that we are not responsible for the accuracy, legality, or any other aspect of the content of such sites, nor are we responsible for errors or omissions in any references to other parties or their products and services.
6. Intellectual Property
Copyright 2012-2026 Annuities HQ. All Rights Reserved. All content presented to you on this site is protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws, and is the sole property of AnnuitiesHQ and/or its Affiliates. You are only permitted to use the content as expressly authorized by us or the specific content provider.
All custom graphics, icons, logos and service names are registered trademarks, trademarks or service marks of AnnuitiesHQ or its Affiliates. Nothing in these Terms of Use grants you any right to use any trademark, service mark, logo, and/or the name of AnnuitiesHQ or its Affiliates.
7. Unauthorized Use of Materials
Subject to our Privacy Policy, any communication or material that you transmit to this site will be treated as non-confidential and non-proprietary. While you retain all rights in such communications or material, you grant us a non-exclusive, paid-up, perpetual, and worldwide right to copy, distribute, display, perform, publish, translate, adapt, modify, and otherwise use such material for any purpose.
We respect the intellectual property of others. If you believe your copyright, trademark or other property rights have been infringed by a posting on this site, send notification to our
Designated Agent:
Marc Roche 125 Western Battery Road, Suite 910, Toronto, Ontario M6K 3R8 Phone: 281-506-2977
8. Disclaimer of Warranties
ALL MATERIALS AND SERVICES ON THIS SITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OR THE WARRANTY OF NON-INFRINGEMENT. WITHOUT LIMITING THE FOREGOING, WE MAKE NO WARRANTY THAT THE SERVICES AND MATERIALS WILL MEET YOUR REQUIREMENTS, WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR THAT THE RESULTS OBTAINED FROM USE OF THE SERVICES WILL BE EFFECTIVE, ACCURATE OR RELIABLE.
9. Limitation of Liability
IN NO EVENT SHALL WE OR OUR AFFILIATES BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY SPECIAL, PUNITIVE, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES OF ANY KIND, OR ANY DAMAGES WHATSOEVER, INCLUDING WITHOUT LIMITATION THOSE RESULTING FROM LOSS OF USE, DATA OR PROFITS, WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
10. Indemnification
Upon a request by us, you agree to defend, indemnify, and hold us and our Affiliates harmless from all liabilities, claims, and expenses, including attorneys fees, that arise from your use or misuse of this site.
11. Security and Password
You are solely responsible for maintaining the confidentiality of your password and account and for any and all statements made and acts or omissions that occur through the use of your password and account.
12. Governing Law
This site is controlled by us from our offices within Ontario, Canada. These Terms of Use and the statutes and laws of the Province of Ontario will apply to all matters relating to the use of this site. Each of us agrees and hereby submits to the exclusive personal jurisdiction and venue of any court of competent jurisdiction within the Province of Ontario with respect to such matters.
13. Notices
All notices to us must be sent to the attention of Customer Service at [email protected], or at Annuities HQ, 125 Western Battery Road, Suite 910, Toronto, Ontario M6K 3R8.
14. Entire Agreement
These terms and conditions constitute the entire agreement and understanding between us concerning the subject matter of this agreement and supersedes all prior agreements and understandings of the parties with respect to that subject matter.
15. Contact Information
Annuities HQ Inc.
125 Western Battery Road, Suite 910 Toronto, Ontario M6K 3R8 Canada
[email protected]
Phone: 281-506-2977
Effective May 16, 2026