Privacy Policy

FixedAnnuityDirect.com is the sole owner of the information collected on our web site. FixedAnnuityDirect.com collects personally identifiable information from our users, on a voluntary basis, at several different points on our web site. FixedAnnuityDirect.com is committed to maintaining your confidence and trust, and accordingly maintains the following privacy policy to protect personal information you provide online.

Uses of Information

Information Requests

If you request information about a particular annuity product represented on our web site, or ask for a personalized annuity quote, we collect certain personally identifiable information from you on our information request form. You must provide contact information (such as name, email, phone and physical address) and financial information (such as amount available for deposit, source of funds, etc.). We use this information only to fulfill your request and to contact you.

Application Forms

If you apply for an annuity purchase, the issuing Insurance Company will require that you provide certain personally identifiable information, including your name, address, phone number, date of birth and Social Security number. To further protect your privacy, FixedAnnuityDirect.com always collects this information offline.

Communications from the Site

Special Offers and Updates

If you submit an annuity information request or subscribe to our newsletter, we may occasionally send you information regarding various annuity products, interest rate updates and special offers.

Out of respect for your privacy, we present the option not to receive these types of communications. Please see the "Choice/Opt-out" section.

Newsletters

If you wish to subscribe to our newsletter(s), we will use your name and email address to send the newsletter to you. Out of respect for your privacy, we provide you a way to unsubscribe. Please see the "Choice/Opt-out" section.

Customer Service

Based upon the personally identifiable information you provide us, we will send you a welcoming email to verify your inquiry. We will also communicate with you in response to your inquiries and to provide the information you request. We will communicate with you by email or telephone, in accordance with your wishes.

Profile

We do not store information that we collect through cookies and log files to create a "profile" of your preferences. We do not tie your personally identifiable information, or your purchasing history, to information in the profile, in order to provide tailored promotions and marketing offers.

We do not share your profile with other third parties.

Information Sharing and Disclosure

Personally identifiable information:

We DO NOT Share Personally Identifiable Information with Third Parties, except to further the purpose for which you provided the information, such as fulfilling your request for free information, providing annuity quotes or submitting your application to an Insurance Company for the purchase of an annuity.

Legal Disclaimer

We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or to comply with a judicial proceeding, court order, or legal process served on our Web site.

Choice/Opt-out

We provide you the opportunity to 'opt-out' of having your personally identifiable information used for certain purposes, when we ask for this information. For example, if you purchase an annuity but do not wish to receive any additional marketing material from us, or if you no longer wish to receive our newsletter and promotional communications, you may opt-out of receiving them by following the instructions included in each newsletter or promotional communication or by emailing us at info@fixedannuitydirect.com or by contacting us by telephone at the number listed below.

Log Files

As is true of most Web sites, we gather certain information automatically and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data.

We use this information, which does not identify individual users, to analyze trends, to administer the site, to track users' movements around the site and to gather demographic information about our user base as a whole.

We do not link this automatically-collected data to personally identifiable information.

Cookies

A cookie is a small text file that is stored on a user's computer for record-keeping purposes. We do not use cookies on this site.

Clear Gifs

We use clear gifs in our htm-based emails to let us know which emails have been opened by recipients. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns. If you would like to opt-out of these emails, please see the "Choice/Opt-out" section.

Links to Other Sites

This Web site contains links to other sites that are not owned or controlled by FixedAnnuityDirect.com. Please be aware that we, FixedAnnuityDirect.com, are not responsible for the privacy practices of such other sites.

We encourage you to be aware when you leave our site and to read the privacy policy of each and every Web site that collects personally identifiable information.

This privacy policy applies only to information collected by this Web site.

Access to Personally Identifiable Information
If your personally identifiable information changes, or if you no longer desire our services, you may correct, update or delete it by emailing our Customer Support at info@fixedannuitydirect.com or by contacting us by telephone at the number listed below.

Security

The security of your personal information is important to us. When you enter sensitive information (such as your name, date of birth, phone, email and physical address) on our information request or annuity quote forms, it is treated as private and confidential.

We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

If you have any questions about security on our Web site, you can email us at info@fixedannuitydirect.com

Business Transitions

In the event FixedAnnuityDirect.com goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your personally identifiable information will likely be among the assets transferred. You will be notified via email or a prominent notice on our Web site for 30 days of any such change in ownership or control of your personal information.

Changes in this Privacy Policy

If we decide to change our privacy policy, we will post those changes to this privacy policy, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.

We reserve the right to modify this privacy policy at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our home page.