Terms of Service

1. What AnnuityOcean is

AnnuityOcean is an educational website. We help people understand annuities and connect with licensed insurance specialists. We are not an insurance company and we do not sell annuities directly.

2. Our specialists

The specialists you're connected with are independent, licensed insurance professionals, not AnnuityOcean employees. We don't guarantee any specific rate, quote, or outcome from a conversation with a specialist.

3. Not advice

Nothing on this site is financial, tax, or legal advice. Talk to a qualified professional before making any financial decision.

4. Submitting a form means you agree to be contacted

When you submit a form on this site, you agree to be contacted by a licensed specialist by phone, text, or email about your request, in the way the form describes.

5. Limitation of liability

AnnuityOcean is not liable for damages arising from your use of this website or the information on it, to the fullest extent the law allows.

6. Governing law

These terms are governed by the laws of the State of New York, without regard to its conflict-of-law rules.

7. Changes to these terms

We may update these terms from time to time. Continuing to use the site after a change means you accept the update.

8. Contact us

Email privacy@annuityocean.com.