Privacy Policy

Introduction

AnnuityOcean ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how your personal information is collected, used, and disclosed by AnnuityOcean when you use our website (annuityocean.com), mobile applications, and other online products and services (collectively, our "Services") or when you otherwise interact with us.

By accessing or using our Services, you signify that you have read, understood, and agree to our collection, storage, use, and disclosure of your personal information as described in this Privacy Policy.

Information We Collect

We collect several types of information from and about users of our Services, including:

Information You Provide to Us

• Personal Information: When you register, request information about annuities, or submit a request to be connected with an agent, we collect information that identifies you personally. This may include your name, email address, postal address, phone number, date of birth, social security number (in certain circumstances), and financial information relevant to annuity products.
• Agent Information: If you are an agent using our platform, we collect additional information such as professional licenses, credentials, company affiliation, areas served, and expertise.
• Communications: If you contact us directly, we may receive additional information about you, such as your name, email address, phone number, the contents of your message, and any other information you choose to provide.

Information We Collect Automatically

When you use our Services, we may automatically collect certain information about your device and usage of our Services. This information may include:

• Device Information: Such as your IP address, browser type, operating system, mobile carrier, and device identifiers.
• Usage Information: Such as pages or screens you viewed, time spent on those pages, navigation paths, search terms, and other information about your use of and actions on our website.
• Location Information: We may collect your approximate location based on your IP address or more precise location if you grant us permission through your device settings.
• Cookies and Similar Technologies: We may use cookies, web beacons, and other tracking technologies to collect information about you when you interact with our Services. See our Cookie Policy for more information.

Information We Collect from Third Parties

We may obtain information about you from other sources, including:

• Business Partners: We may receive information about you from our business partners, such as insurance carriers and marketing partners.
• Public Sources: We may collect information about you that is publicly available, such as public social media profiles or professional licenses.
• Insurance Carriers: If you express interest in specific annuity products, we may receive information from the relevant insurance carriers regarding your application or policy status.

How We Use Your Information

We use the information we collect for various purposes, including to:

• Provide, maintain, and improve our Services
• Connect consumers with appropriate annuity professionals
• Process transactions and send related information
• Respond to your comments, questions, and requests
• Send you technical notices, updates, security alerts, and administrative messages
• Communicate with you about products, services, offers, promotions, and events
• Monitor and analyze trends, usage, and activities in connection with our Services
• Detect, investigate, and prevent fraudulent transactions and other illegal activities
• Comply with legal obligations and enforce our terms and policies
• Personalize your experience and deliver content relevant to your interests

How We Share Your Information

We may share your personal information in the following circumstances:

• With Annuity Professionals: If you request to be connected with an annuity agent or advisor, we will share your information with the appropriate professionals to facilitate the connection.
• With Service Providers: We share information with third-party vendors, consultants, and other service providers who perform services on our behalf.
• With Insurance Carriers: We may share your information with insurance companies that offer annuity products in which you express interest.
• For Legal Reasons: We may share information if we believe disclosure is necessary to comply with applicable laws, regulations, legal processes, or governmental requests.
• Business Transfers: We may share information in connection with a merger, sale of company assets, financing, or acquisition of all or a portion of our business.
• With Your Consent: We may share information with third parties when you have given us your consent to do so.

We may also share aggregated or de-identified information that cannot reasonably be used to identify you.

Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information:

• Access and Update: You can access and update certain information about you through your account settings or by contacting us.
• Opt-Out: You may opt out of receiving promotional communications from us by following the instructions in those communications or by contacting us.
• Cookie Settings: Most web browsers are set to accept cookies by default. You can usually adjust your browser settings to remove or reject cookies.
• Do Not Track: Some browsers offer a "Do Not Track" feature that signals to websites that you do not want to have your online activities tracked. We currently do not respond to "Do Not Track" signals.

Additional Rights for California Residents: If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), including the right to request access to and deletion of your personal information.

Additional Rights for EU/EEA Residents: If you are in the European Union or European Economic Area, you may have additional rights under the General Data Protection Regulation (GDPR), including the right to request access, correction, deletion, restriction, and portability of your personal data.

Data Security

We take reasonable measures to help protect information about you from loss, theft, misuse, unauthorized access, disclosure, alteration, and destruction. However, no security system is impenetrable, and we cannot guarantee the security of our systems or your information.

Data Retention

We store the information we collect about you for as long as is necessary for the purposes for which we collected it or for other legitimate business purposes, including to meet our legal, regulatory, or other compliance obligations.

Children's Privacy

Our Services are not directed to children under the age of 18, and we do not knowingly collect personal information from children under 18. If we learn that we have collected personal information from a child under 18, we will take steps to delete such information as quickly as possible.

Links to Other Websites

Our Services may contain links to other websites, products, or services that we do not own or operate. We are not responsible for the privacy practices of these third parties. Please be aware that this Privacy Policy does not apply to your activities on these third-party services or any information you disclose to these third parties.

Changes to this Privacy Policy

We may modify this Privacy Policy from time to time. If we make material changes to this Privacy Policy, we will notify you by updating the date at the top of this page and, in some cases, we may provide additional notice (such as adding a statement to our website or sending you a notification).

Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact us at:

Email: privacy@annuityocean.com
Postal Address:
AnnuityOcean
Attn: Privacy Officer
128 Financial Plaza, Suite 400
New York, NY 10001
Phone: (800) 555-1234