Privacy Policy

About Our Service

AnnuitySelector.com is a free-to-consumer annuity comparison and advertising platform operated by VOICED. VOICED is not an insurance company, insurance agent, broker, licensed insurance producer, investment adviser, or broker-dealer. Annuity products are offered by independent third parties.

VOICED receives compensation for advertising and related marketing services, including when visitors click offers or submit requests. See our Terms of Use and Advertiser Disclosure for more information.

Collecting Your Personal Information

Personal Information

While using our Site, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information (“Personal Information”) may include, but is not limited to:

• Email address
• First name and last name
• Phone number
• Address (e.g., State, ZIP, City)
• Usage Data

Questionnaire Information

Where requested through our questionnaire or forms, we may collect information such as:

• Approximate savings or assets available for an annuity
• Retirement timeline and financial goals
• Annuity preferences and areas of interest
• Age or age range
• State, ZIP code, and other location information, including location estimated from your IP address
• Contact details and other information you submit through forms

If you voluntarily submit other financial or potentially sensitive information, we will handle it subject to applicable law and any required authorization. Not every category above is requested in every questionnaire.

Account Information

If we offer account functionality in the future, we may collect and process information such as:

• Usernames and account registration details;
• Passwords or other authentication credentials;
• Account preferences and settings;
• Saved questionnaire responses and other information you choose to save; and
• Account activity, login information, and security-related records.

Usage Data

Usage Data is collected automatically when using the Site.

Usage Data may include information such as your device’s (e.g., mobile phone, desktop computer, etc.) Internet Protocol address (e.g., IP address), browser information and browsing history.

When you access the Site by or through a mobile device, we may collect certain information automatically, including, but not limited to, the type of mobile device you use, your mobile device unique ID, the IP address of your mobile device.

We may also collect information that your browser sends whenever you visit our Site or when you access the Site by or through a mobile device.

Cookies

We use Cookies to store certain information to manage sessions on our site. A cookie is a small file placed on your device. Cookies can include “Session” or “Persistent” Cookies.

Session Cookies are deleted as soon as you close your web browser, while Persistent Cookies remain on your personal computer or mobile device when you go offline. We may use both Session and Persistent Cookies. Session Cookies include necessary cookies. These Cookies are essential to provide you with services available through the Site and to enable you to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that you have asked for cannot be provided, and we only use these Cookies to provide you with those services.

Persistent Cookies include ‘functionality cookies’. Functionality cookies allow us to remember choices you make when you use the Site, such as remembering your login details or language preference. The purpose of these Cookies is to provide you with a more personal experience and to avoid you having to re-enter your preferences every time you use the Site.

We may also use cookies, pixels, tags, and similar tracking technologies provided by us or third parties to operate the Site, understand how users interact with the Site, measure and analyze traffic and usage, measure the effectiveness of advertising, and improve or optimize our services and marketing. These technologies may collect information about your device, browser, interactions with the Site, and other usage information and may share certain information with the third parties that provide these technologies.

Use of Your Personal Information

We may use your Personal Information for the following purposes:

• To operate, maintain, and improve the Site, including monitoring its usage;
• To process your questionnaire responses and display annuity and related offers relevant to you;
• To respond to and manage your inquiries and requests;
• To provide advertising and marketing services, including on behalf of our advertising partners;
• To measure advertising performance and analyze how the Site is used;
• To detect and prevent fraud, protect the security of the Site, and comply with legal obligations;
• If account functionality is made available, to create, administer, authenticate, maintain, secure, and support user accounts, and to provide saved features, such as saved questionnaire responses;
• To communicate with you where legally permitted and, where required, with your appropriate authorization;
• For business transfers: to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Information held by us is among the assets transferred; and
• For other legitimate business operations consistent with this Privacy Policy.

Sharing With Annuity and Advertising Partners

The Site currently displays offers and allows you to click through to independent third-party websites. When you click an offer, any information you provide on that third party’s website is governed by that third party’s own privacy policy.

Subject to applicable law and any required notice, authorization, or consent, VOICED may share information submitted through the Site with one or multiple participating annuity providers, appropriately licensed independent insurance agencies or professionals, advertising and marketing partners, and service providers. This may include partners whose offers you did not specifically select or click.

Independent third parties that receive your information may use it to evaluate your inquiry, present annuity options to you, and communicate with you where legally permitted and appropriately authorized. We are not responsible for the storage, use, sharing, or sale of information by third parties, including information they collect directly from you.

We may also share information with service providers that help us host, operate, secure, and analyze the Site, and in connection with a merger, sale, or other transfer of our Site, assets, or operations.

Marketing Communications and Consent

Providing information through a questionnaire on the Site does not, by itself, constitute consent to receive marketing telephone calls or text messages. Any consent required for marketing calls, calls using automated technology or prerecorded voices, or text messages will be obtained separately in accordance with applicable law. Accepting this Privacy Policy does not, by itself, authorize such communications.

Where you have provided consent, you may have the right to withdraw it or opt out of certain communications at any time, for example by replying STOP to a text message, using an unsubscribe link, or contacting us at privacy@annuityselector.com.

Transfer of Your Personal Information

Your information, including Personal Information, is processed at our operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of your state where the data protection laws may differ than those from your jurisdiction.

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Information will take place to an organization unless there are adequate controls in place including the security of your data and other personal information.

Disclosure of Your Personal Information

Law enforcement

Under certain circumstances, we may be required to disclose your Personal Information if required to do so by law or in response to valid requests by public authorities (e.g., a court or a government agency).

Other legal requirements

We may disclose your Personal Information in the good faith belief that such action is necessary to:

• Comply with a legal obligation;
• Protect and defend the rights or property of VOICED;
• Prevent or investigate possible wrongdoing in connection with the usage of the Site or your interactions with us more generally;
• Protect the personal safety of users of the Site or the public; and/or
• Protect against legal liability

Security of Your Personal Information

We use reasonable administrative, technical, and organizational measures designed to help protect your Personal Information from unauthorized access, destruction, use, modification, and disclosure.

The security of your Personal Information is important to us, but remember that no method of transmission over the Internet, or method of electronic storage, is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security. ACCORDINGLY, WE DISCLAIM ANY LIABILITY FOR ANY THEFT OR LOSS OF, UNAUTHORIZED ACCESS OR DAMAGE TO, OR INTERCEPTION OF ANY DATA OR COMMUNICATIONS. BY USING THE SITE, YOU ACKNOWLEDGE THAT YOU UNDERSTAND AND AGREE TO ASSUME THESE RISKS.

Your Privacy Rights

Depending on where you live, and subject to applicable state law, you may have rights regarding your Personal Information, which may include the right to:

• Request access to the Personal Information we hold about you;
• Request correction of inaccurate Personal Information;
• Request deletion of your Personal Information;
• Opt out of certain uses or disclosures of your Personal Information, such as targeted advertising or certain sharing with third parties, where applicable; and
• Withdraw consent you previously provided, where processing is based on consent.

These rights are not absolute and may be subject to exceptions under applicable law. To submit a privacy request, email us at privacy@annuityselector.com. We may need to verify your identity before responding, and we will respond within the time required by applicable law. Where permitted by law, you may designate an authorized agent to submit a request on your behalf. We will not discriminate against you for exercising your privacy rights.

Children’s Privacy

Our Site is not intended for use by minors. We do not knowingly solicit or collect Personal Information from persons under the age of 18. If you notify us that Personal Information has been provided by a person under the age of 18, upon verification, we will promptly delete such Personal Information.

Links to Other Websites

The Site may include links to third party websites. We have no control over and are not responsible for the privacy practices of any third parties or the content of linked websites. We encourage you to read the applicable privacy policies and terms and conditions of such third parties or websites.

Changes to this Privacy Policy

This Privacy Policy will remain in effect except with respect to any changes made to its provisions in the future, which will be in effect immediately after being posted on this page.

We reserve the right to update or change our Privacy Policy at any time and you should check this Privacy Policy periodically. Your continued use of the Site after we post any modifications to the Privacy Policy on this page will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Privacy Policy.

If we make any material changes to this Privacy Policy, we will notify you either through the email address you have provided us or by placing a notice on our website.

Contact Us

If you have any questions about this Privacy Policy, please email us at privacy@annuityselector.com.