Terms of Service

1.Acceptance of Terms

By accessing AnnuitiesHQ.com ("the Site"), you accept and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree, do not use the Site. These terms apply to all visitors, users, and others who access or use the Site.

2.About AnnuitiesHQ

AnnuitiesHQ.com is an independent educational and informational website operated by AnnuitiesHQ Inc., incorporated in Ontario, Canada. We provide educational content about annuity products and access to a directory of licensed advisors. AnnuitiesHQ is not a licensed insurance agency, broker, or dealer. We do not sell annuity products, accept applications, or process transactions.

3.Use of the Site

You agree to use the Site only for lawful purposes. You must not:

• Use the Site in violation of applicable law
• Transmit unsolicited advertising
• Attempt unauthorized access to any portion of the Site
• Engage in harmful or objectionable conduct
• Use bots or scrapers to collect data without written consent

4.No Financial, Legal, or Insurance Advice

Content on AnnuitiesHQ.com is for general educational and informational purposes only. Nothing on this Site constitutes financial advice, investment advice, legal advice, insurance advice, or a recommendation to purchase any product. Annuity products are complex regulated financial instruments. Before making decisions, consult a qualified licensed financial advisor or insurance professional.

AnnuitiesHQ does not act as a financial advisor, insurance agent, or investment advisor. No advisor-client relationship is created by use of this Site.

5.Advisor Directory and Third-Party Advisors

Inclusion in our advisor directory does not constitute an endorsement or guarantee of any advisor's services, qualifications, or suitability. AnnuitiesHQ does not verify credentials or licensing status beyond initial listing requirements. You are solely responsible for your own due diligence before engaging any advisor. Any engagement is solely between you and the advisor; AnnuitiesHQ is not a party and assumes no liability.

6.Intellectual Property

All content on AnnuitiesHQ.com — text, graphics, logos, images, data compilations, and software — is the property of AnnuitiesHQ Inc. or its licensors, protected by Canadian and international intellectual property laws. You may view, download, and print content for personal non-commercial use only. You may not reproduce, distribute, sell, or create derivative works without prior written permission.

7.Third-Party Links

The Site may contain links to third-party websites. These links are provided for convenience only. AnnuitiesHQ has no control over third-party content and does not endorse or assume responsibility for it. Accessing third-party sites is at your own risk.

8.Privacy

Your use of the Site is governed by our Privacy Policy, incorporated by reference. By using the Site, you consent to data collection and use as described in our Privacy Policy.

9.Disclaimer of Warranties

The Site and its content are provided "as is" and "as available" without warranties of any kind, express or implied, including implied warranties of merchantability, fitness for a particular purpose, or non-infringement. AnnuitiesHQ does not warrant that: (a) the Site will be uninterrupted or error-free; (b) information is complete, accurate, or current; or (c) the Site is free of viruses. Annuity rates change frequently; always verify directly with carriers or licensed advisors.

10.Limitation of Liability

To the fullest extent permitted by law, AnnuitiesHQ Inc., its officers, directors, employees, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including loss of profits, data, or goodwill — arising from your use of or inability to use the Site or any decisions made in reliance on Site content. Total liability for all claims shall not exceed CAD $100. Some jurisdictions do not allow these limitations, so they may not apply to you.

11.Indemnification

You agree to indemnify and hold harmless AnnuitiesHQ Inc. and its officers, directors, employees, agents, and licensors from any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising from: (a) your use of the Site; (b) your violation of these Terms; or (c) your violation of any rights of another person or entity.

12.Governing Law and Jurisdiction

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada, without regard to conflict of law principles. Any dispute shall be subject to the exclusive jurisdiction of courts located in Ontario, Canada.

13.Changes to These Terms

AnnuitiesHQ reserves the right to update these Terms at any time. Changes become effective immediately upon posting. The "Last Updated" date reflects the most recent revision. Continued use after changes constitutes acceptance. Review this page periodically.

14.Contact Us