Privacy Policy

This Privacy Policy describes how The Annuity Man, LLC ("The Annuity Man," "we," "us," or "our") collects, uses, shares, and protects information about you when you visit stantheannuityman.com, use our online calculators, book a call, or request a quote. By providing consent through our cookie banner or form disclosures, you agree to the practices described here. If you do not agree, please do not use our website or provide us with your information.

1. Information Collected

1. IP addresses. We may use IP addresses to analyze trends, administer the website, track users' movements, and gather broad demographic information for aggregate use. IP addresses are not directly linked to your name or contact details but may be treated as personal information under applicable privacy laws.
2. Cookies and Web Beacons. Internet browsers have a feature called cookies, which stores small amounts of data on a user's computer hard drive that contains information about that user. Web beacons, also called "web bugs," "pixel tags" or "clear GIFs" may be used in combination with cookies. A Web beacon is typically a small graphic image on a website that is also used to collect information about a user (not including your name, address, email address or phone number). If a user rejects the cookie and/or modifies their browser settings to prevent / turn off cookies (which should also prevent web beacons from tracking a user's activities on the website), the user may still use our website. The only drawback to this is that the user may be limited in some areas of our website. Cookies and web beacons can also enable us to track and target the interests of our users to enhance the experience on our website. We use cookies, web beacons, and similar technologies provided by a defined set of third-party service providers — including Google LLC (Google Analytics 4 and Google Ads), Hotjar Ltd., Calendly LLC, Salesforce Inc., Cloudflare Inc., WebFlow Inc., and Google Fonts — to operate the site, measure its performance, and market our services. See Section 11 (Cookies & Tracking Technologies) for the full list and the purposes for which each is used and use the "Cookie Preferences" link in the site footer to manage your choices. For more information on cookies, and how to remove them from your browser, please see https://www.allaboutcookies.org
3. Third Party Advertisers. We use third-party companies to serve advertisements when you visit our website or use our services. Third-party companies may also separately place or recognize a cookie file on your browser, use web beacons or utilize similar technologies to collect information while delivering advertisements. These companies may use information about your visits to this and other websites to provide advertisements about goods and services of interest to you.
4. Information from Third Parties. In certain circumstances, for our website to properly fulfill its obligation to our users, it is necessary for us to supplement the information we collect pursuant to this Privacy Policy with information from third party sources.
5. Categories of Personal Information (California CCPA categories). Over the past 12 months we have collected the following categories of personal information, as those categories are defined in the California Consumer Privacy Act (Cal. Civ. Code § 1798.140):
   
   • Identifiers — name, postal address, email address, phone number, IP address, unique online identifiers (including the first party `userId` cookie), and account identifiers.
   • Customer records (Cal. Civ. Code § 1798.80(e)) — contact information submitted through our forms and calculators, including information about your financial objectives that you voluntarily provide for a quote.
   • Commercial information — records of products or services considered, quote requests, and inquiries.
   • Internet or other electronic network activity information — browsing history on our site, interaction with our pages and advertisements, referring URLs, session recordings (via Hotjar), and search history on our site.
   • Geolocation data — approximate location derived from IP address (we do not collect precise GPS-level geolocation).
   • Audio, electronic, or visual information — voicemails you leave on our toll-free line and, where you elect to join a scheduled call, call recordings, where we provide notice and obtain consent as required by applicable state law.
   • Professional or employment-related information — limited to the context of our business-to-business dealings (for example, media kit requests).
   • Inferences — inferences drawn from the above to build a profile of your likely product interest. We do not knowingly collect the following categories of "sensitive personal information" as defined by CCPA for marketing or advertising purposes: government identifiers (SSN, driver's license, passport), account log-in credentials, precise geolocation, racial or ethnic origin, religious or philosophical beliefs, union membership, genetic data, biometric data used to uniquely identify a consumer, or information about sex life or sexual orientation. If you voluntarily provide sensitive information (for example, in the free-text field of a contact form), we use it only for the purpose for which you provided it.

2. How Information Collected Is Used

We will not knowingly use information collected on this website in ways different from what is disclosed in the Privacy Policy that is currently in effect.

1. Demographic Information. We will share aggregated demographic information with our partners and advertisers (e.g. third parties that present users with targeted advertising). Aggregated demographic information may be linked to online identifiers we share with Google Ads and Google Ads Remarketing (Google LLC) for purposes of retargeting; under the California Consumer Privacy Act, as amended, this constitutes "sharing" of personal information for cross-context behavioral advertising, and you may opt out at any time using the "Do Not Sell or Share My Personal Information" link in our footer, by sending a Global Privacy Control (GPC) signal from your browser, or as described in Section 14. We do not sell personal information for monetary consideration.
2. Communicating with Our Users. We use Personally Identifiable Information (such as the user's name, address, phone number or email address) to communicate with that specific user when they have customer service questions, concerns or comments about and/or for service announcements related to The Annuity Man, LLC. If a user contacts us, we may or may not delete the user's emails or voicemails to us.
3. Information Shared with Third Parties.
4. We may partner with third parties who provide services to our users. When the user signs up for or agrees to receive a specific service provided by the third party, we share the information that is needed for the third party to provide the services.
5. For transparency, the categories of recipients with whom we share personal information are: (a) service providers that operate our website and tooling (WebFlow Inc., Cloudflare Inc., Google LLC for Google Fonts); (b) analytics providers (Google LLC for Google Analytics 4, Hotjar Ltd.); (c) advertising providers (Google LLC for Google Ads and Google Ads remarketing); (d) scheduling and CRM providers (Calendly LLC, Salesforce Inc.); and (e) our licensed insurance carrier partners when you request a specific quote that requires carrier involvement. Mobile phone numbers and SMS opt-in data are handled under the stricter rules described in Section 12 and are not shared with third parties for their own marketing purposes.
6. Addressing Legal Issues. We provide Personally Identifiable Information to respond to subpoenas, court orders, or legal process, or to establish or exercise our legal rights or defend against legal claims. We believe it is necessary to share Personally Identifiable Information to investigate, prevent, or act regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of The Annuity Man, LLC's policies, or as otherwise required by law.
7. Sale or Transfer of The Annuity Man, LLC. If all or a portion of The Annuity Man, LLC is transferred, sold, merged, ceases operations, goes bankrupt, or is otherwise involved in a transaction where the ownership or management of The Annuity Man, LLC is changed (individually or collectively, a "Transaction") then your Personally Identifiable Information or other user information may be transferred or assigned to a third party as part of the Transaction.
8. We do not use automated decision-making or profiling that produces legal or similarly significant effects.

3. Usage by Children Under 13

This website is not intended for use by anyone under the age of thirteen (13), and any individual under such age should not provide us with Personally Identifiable Information. For purposes of the California Consumer Privacy Act, we additionally do not knowingly collect, "sell," or "share" personal information or sensitive personal information of consumers under the age of sixteen (16) without opt-in consent from the minor (or, if under 13, from the minor's parent or guardian).

We do not knowingly contact, market to, solicit, collect or use Personally Identifiable Information from or about any individual under the age of 13. It is possible that by fraud or deception we may receive information pertaining to children under the age of 13. If we are notified that we have personal information regarding a person under the age of 13, as soon as we reasonably verify the information, we will either obtain parental consent or otherwise delete the information from the account and/or service. However, the information may remain on a log in our servers. If you want to notify us of our receipt of information by children under the age of 13, please do so by emailing us at: [email protected] (this alias routes to our privacy team).

4. Communications from The Annuity Man, LLC

If you have opted in to receive communication about The Annuity Man, LLC through its online submission form, you may occasionally receive marketing material on products and services provided by The Annuity Man, LLC.

Email marketing, text-message (SMS) marketing, and telephone call consent are handled as separate opt-ins. Consenting to one does not opt you in to the others. For SMS-specific terms, see Section 12. You can opt out of email marketing at any time using the unsubscribe link in any marketing email or by contacting us as described in Section 17.

5. Correcting/Updating Personal Information

Users must provide accurate and correct contact information (name, postal address, e-mail address, phone number) when using the submission form. If a user's Personally Identifiable Information changes (such as a zip code), they may correct and/or update such information by sending us an email request to [email protected]. Residents of California, Virginia, Colorado, Connecticut, Texas, and other states with privacy rights may also have a formal "right to correct" — see Section 13 for how to exercise that right.

6. Opting Out

Users are provided an opportunity to "opt-out" of having their information used for purposes not directly related to their inquiry. Users who no longer wish to receive certain marketing materials from The Annuity Man, LLC may opt-out of receiving these communications by replying and typing "unsubscribe" in the subject line in the email or by sending an email request to [email protected]. To opt out of SMS messages, reply STOP to any message from us (see Section 12). To opt out of the "sale" or "sharing" of your personal information for cross-context behavioral advertising under California, Colorado, and Connecticut law, use the "Do Not Sell or Share My Personal Information" link in the site footer or follow the instructions in Section 14. We also recognize the Global Privacy Control (GPC) browser signal as a valid opt-out of sale/sharing for residents of states whose laws require it.

7. Correspondence Destruction

If you decide to terminate any future correspondence with The Annuity Man, LLC, all your Personally Identifiable Information contained in your correspondence will remain on our servers. Upon receipt of a written request to remove personal data, we will retain some of your information to prevent fraud, collect fees owed, resolve disputes, troubleshoot problems, assist with any investigations, enforce our other policies, address contractual issues, and comply with legal requirements. Therefore, you should not expect that all your information will be completely removed from our databases in response to your requests.

See Section 15 (Data Retention) for the retention framework we apply. Residents of states that grant a "right to delete" (California, Virginia, Colorado, Connecticut, Texas, and others) may submit a verifiable deletion request under Section 14; we will honor the request to the extent required by applicable law, subject to the legal-obligation, contract-lifecycle, and audit-trail exceptions those laws permit.

8. Links to Third Party Websites

This website contains links to other websites. Please be aware that we are not responsible for the privacy practices of such other websites. We encourage our users to be aware when they leave our website and to read the privacy policy of every website that may collect Personally Identifiable Information. This Privacy Policy applies solely to information collected by The Annuity Man, LLC's website.

9. Privacy Policy Changes

This Privacy Policy may change, and use of information that we gather now is subject to the Privacy Policy that is in effect as of the time of use. You are responsible for periodically checking our Privacy Policy. You may opt-out of any posted change to our collection, use or disclosure of your personal information by sending an e-mail to [email protected]. If we make minor changes to this Privacy Policy, the changes will be immediately effective upon posting the revised Privacy Policy to the website. If we make material changes to this Privacy Policy or to how we collect, use, or disclose your Personally Identifiable Information, the revised terms will apply prospectively only — that is, they will govern information collected on or after the new "Last Updated" date at the top of this Privacy Policy. Information collected before that date will continue to be governed by the Privacy Policy that was in effect when it was collected, except where we obtain your affirmative consent to apply the new terms or where applicable law requires otherwise. Where required by law, we will also provide additional notice of material changes (for example, by email or a conspicuous notice on our homepage) before they take effect. For material changes that affect California, Virginia, Colorado, Connecticut, or Texas residents, we will update the "Last Updated" date at the top of this Privacy Policy and, where required by law, provide additional notice (for example, by email or a conspicuous notice on our homepage). The ‘Last Updated’ date reflects when this Privacy Policy most recently took effect.

10. Privacy Policy Concerns or Questions

If you have any concern about privacy at The Annuity Man, LLC, please send us a thorough description to [email protected], and we will try to resolve it.

You may also reach us at: The Annuity Man, LLC Attn: Privacy, 10190 Covington Cross Dr, STE 110, Las Vegas, NV 89144 Toll-free: 800-509-6473 Email: [email protected]

11. Cookies & Tracking Technologies

We and our service providers use cookies, web beacons, pixels, session-recording technology, and similar tools to operate the site, measure usage, and market our services. You can manage your preferences at any time by clicking the "Cookie Preferences" link in the site footer.

We organize these technologies into four categories:

• Strictly necessary — required to deliver the website, keep it secure, remember your consent choices, and route your form submissions. These cannot be disabled. Providers include Cloudflare Inc. (CDN and security), WebFlow Inc. (hosting), and our first-party session infrastructure.
• Functional — tools that make features of the site work, such as appointment booking. Providers include Sumo CEP and Salesforce Inc. (booking via our Salesforce Experience Cloud site).
• Analytics — tools that help us understand how visitors use the site so we can improve it. Providers include Google LLC (Google Analytics 4) and Hotjar Ltd. (session recordings, heatmaps). Analytics cookies are loaded only after you consent, except in regions where consent is not required.
• Marketing / advertising — tools that help us show relevant advertising and measure ad performance across the web. Providers include Google LLC (Google Ads conversion tracking and remarketing). Marketing cookies are loaded only after you consent. Marketing and advertising cookies are never required for site functionality.

Google Fonts is loaded from Google LLC for typography. It sets no cookies but may receive limited technical information (for example, your IP address) as part of serving the font files.

We respect the Global Privacy Control (GPC) signal. If your browser sends a GPC signal, we treat it as a request to opt out of the "sale" or "sharing" of your personal information under the laws of California, Colorado, and Connecticut (and any other state whose law requires universal opt-out recognition).

12. SMS / Text Messaging

This section governs text (SMS/MMS) messages sent by The Annuity Man. It is designed to meet the requirements of the Telephone Consumer Protection Act (TCPA), the CTIA Messaging Principles & Best Practices, and The Campaign Registry (TCR) 10DLC program.

Opt-in. You will only receive text messages from us if you affirmatively opt in — for example, by checking the dedicated SMS consent checkbox on one of our forms. The SMS consent box is separate from, and not pre-checked alongside, our general Terms acceptance or email-marketing opt-in. By opting in, you consent to receive text messages from The Annuity Man at the mobile number you provide, including messages sent using an automatic telephone dialing system.

Message frequency. Message frequency varies.

Message and data rates. Message and data rates may apply, depending on your wireless plan.

How to stop. You can opt out at any time by replying STOP (or CANCEL, UNSUBSCRIBE, QUIT, or END, in any case) to any message from us. After you opt out, you will receive one confirmation message and then no further marketing texts. You can rejoin later by replying START or by opting in through any of our forms again.

Help. Reply HELP to any message to receive contact information for support. You can also call us at 800-509-6473 or email [email protected].

What we collect for SMS. When you opt in, we collect your mobile phone number, the opt-in timestamp, the form URL where you opted in, your IP address at the time of opt-in, and the content and engagement metadata (delivery status, timestamps) of messages we send and receive. We keep this data as an audit trail for TCPA compliance.

Third-party sharing of mobile information — important. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. This includes sharing for cross-context behavioral advertising. We do not sell or share mobile phone numbers, SMS opt-in data, or message content with third parties for their own marketing use. We share mobile information only with service providers necessary to deliver the messages (e.g., our SMS platform and CRM) under strict contractual protections. You can opt-out at any time by replying STOP to any message.

Privacy. Your use of our SMS service is also governed by the rest of this Privacy Policy.

Carriers. Supported carriers are not liable for delayed or undelivered messages.

13. Your Privacy Rights

Residents of California, Virginia, Colorado, Connecticut, Texas, and other states may have rights to access, correct, or delete their data. To exercise these rights, please contact us via: * Email: [email protected] (Subject: Privacy Rights Request) * Toll-Free Phone: 800-509-6473 We will acknowledge your request within 10 business days and provide a substantive response within 45 days. These rights are subject to verification of your identity and applicable legal exemptions.

13.1 California (CCPA / CPRA)

If you are a California resident, you have the following rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act (Cal. Civ. Code §§ 1798.100 et seq.):

• Right to know the categories and specific pieces of personal information we have collected about you, the categories of sources, the business or commercial purposes for collection, and the categories of third parties with whom we share it.
• Right to delete personal information we have collected from you, subject to the exceptions in Cal. Civ. Code § 1798.105(d) (including fraud prevention, security, legal compliance, and completing transactions you requested).
• Right to correct inaccurate personal information we maintain about you.
• Right to opt out of the sale or sharing of your personal information. "Share" includes cross-context behavioral advertising. Our use of Google Ads does constitute "sharing" under CPRA; you can opt out using the "Do Not Sell or Share My Personal Information" link in our footer or by submitting a GPC signal.
• Right to limit the use and disclosure of sensitive personal information. As described in Section 1.6, we do not use sensitive personal information for purposes that would trigger this right; if that ever changes, we will update this Privacy Policy and provide the mechanism here.
• Right to non-discrimination for exercising any of the above rights. We will not deny you services, charge you different prices, or provide a different level of service because you exercised a CCPA right.

California "Shine the Light" (Cal. Civ. Code § 1798.83). California residents may also request, once per calendar year, information about our disclosure of their personal information (if any) to third parties for those third parties' direct marketing purposes during the immediately preceding calendar year. We do not share personal information with third parties for their own direct marketing purposes. To make a Shine the Light request, contact us using the channels in Section 14.

You may exercise these rights as described in Section 14.

13.2 Virginia (VCDPA)

If you are a Virginia resident, you have the following rights under the Virginia Consumer Data Protection Act (Va. Code §§ 59.1-575 et seq.):

• Right to confirm whether we process your personal data and to access that data.
• Right to correct inaccuracies.
• Right to delete personal data provided by or obtained about you.
• Right to obtain a portable copy of your personal data.
• Right to opt out of (a) targeted advertising, (b) sale of personal data, and (c) profiling in furtherance of decisions that produce legal or similarly significant effects (we do not currently engage in such profiling).

We obtain your opt-in consent before processing sensitive data as defined in the VCDPA. You may appeal a refusal to act on your request by replying to our written response; if your appeal is denied, you may contact the Virginia Attorney General at https://www.oag.state.va.us/.

13.3 Colorado (CPA)

If you are a Colorado resident, you have the following rights under the Colorado Privacy Act (Colo. Rev. Stat. §§ 6-1-1301 et seq.) and its implementing regulations:

• Right to access, correct, delete, and obtain a portable copy of your personal data.
• Right to opt out of targeted advertising, sale, and certain profiling.
• Right to have your opt-out recognized via a universal opt-out mechanism. We honor the Global Privacy Control (GPC) as a universal opt-out mechanism as required by the Colorado Attorney General's rules.

We obtain your opt-in consent before processing sensitive data. Appeals are handled the same way as described for Virginia, and you may contact the Colorado Attorney General at https://coag.gov/.

13.4 Connecticut (CTDPA)

If you are a Connecticut resident, you have access, correction, deletion, portability, and opt-out rights under the Connecticut Data Privacy Act (Conn. Gen. Stat. §§ 42-515 et seq.) substantially equivalent to those described above for Virginia and Colorado, including recognition of universal opt-out signals such as GPC. Appeals are available; the Connecticut Attorney General may be reached at https://portal.ct.gov/ag.

13.5 Texas (TDPSA)

If you are a Texas resident, you have access, correction, deletion, portability, and opt-out rights under the Texas Data Privacy and Security Act (Tex. Bus. & Com. Code §§ 541.001 et seq.), and we obtain your consent before processing sensitive data. We do not collect biometric identifiers (as defined in Tex. Bus. & Com. Code § 503.001) or other sensitive data as defined under the TDPSA without your affirmative consent. The Texas Attorney General may be reached at https://www.texasattorneygeneral.gov/.

13.6 Other states

Residents of Utah, Oregon, Montana, Delaware, Iowa, New Jersey, New Hampshire, Nebraska, Minnesota, Maryland, Indiana, Tennessee, Kentucky, and Rhode Island have similar rights under their state privacy laws, which generally include rights of access, correction, deletion, portability, and opt-out of sale / targeted advertising, with variations in scope, thresholds, and sensitive-data treatment. We honor these rights in accordance with each state's law. Submit your request as described in Section 14 and tell us which state you reside in so we can apply the correct framework.

14. How to Exercise Your Rights

To submit a privacy-rights request, use any of the following:

• Email: [email protected] (subject line: "Privacy Rights Request")
• Toll-free phone: 800-509-6473
• Mail: The Annuity Man, LLC, Attn: Privacy, 10190 Covington Cross Dr, STE 110, Las Vegas, NV 89144

What we'll ask for. To process your request, we need to verify your identity. We will ask for enough information to reasonably match your request to the information we have on file (typically name, email, phone, and possibly a recent interaction with us). We will not use the verification information for any other purpose.

Authorized agents. You may designate an authorized agent to submit a request on your behalf. We will require (a) proof of the agent's authority (for example, a signed permission or valid power of attorney) and (b) verification of your own identity directly with us.

Response timeframe. We will acknowledge your request within 10 business days (as required by the California CCPA regulations at Cal. Code Regs. tit. 11 § 7021) and respond substantively within 45 days of receipt, as required by CCPA and most other state privacy laws. If we need more time (up to an additional 45 days), we will notify you of the extension and the reason within the initial 45-day period.

Do Not Sell or Share. To opt out of the "sale" or "sharing" of your personal information under California, Colorado, Connecticut, and other applicable laws, use the "Do Not Sell or Share My Personal Information" link in the site footer, or send a Global Privacy Control (GPC) signal from your browser. We honor GPC as an opt-out for residents of states whose laws require it.

No retaliation. We will not deny you goods or services, charge a different price, or provide a different level or quality of service because you exercised a privacy right.

Appeals. If we deny your request in whole or in part, and you are a resident of a state that provides a right to appeal (including Virginia, Colorado, Connecticut, and Texas), you may appeal by replying to our response email with "APPEAL" in the subject line. We will respond to your appeal within 60 days. If the appeal is denied, you may contact your state Attorney General.

15. Data Retention

We retain personal information for as long as necessary to fulfill the purposes for which it was collected, including for the duration of our business relationship, to comply with legal obligations (such as TCPA and SMS audit trails), or for fraud prevention. While we do not delete prospect records on a fixed schedule, we will honor verifiable state-law deletion requests to the extent required by law.

• Legal obligation — we retain records as long as required by applicable law (for example, TCPA / SMS audit-trail requirements, IRS recordkeeping for any transaction we are involved in, insurance regulatory recordkeeping where applicable, and litigation holds).
• Contract lifecycle — if you are a customer, we retain information associated with the products you hold for the life of the relationship and for the period afterward needed to support you, administer the relationship, or resolve disputes.
• Audit trail — we retain opt-in and opt-out records, consent timestamps, form submission metadata, and communications so that we can demonstrate compliance with applicable privacy, marketing, and telemarketing laws.
• Security and fraud prevention — we retain records we reasonably believe are necessary to detect, investigate, and prevent fraudulent or unlawful activity.

If you exercise a state-law right to delete, we will honor your request to the extent required by the applicable statute and its exceptions. Deletion requests that conflict with the retention bases above (for example, a required SMS audit-trail record) will be honored only to the extent the law requires, and we will explain any partial denial in our response under Section 14.

16. Data Security

We maintain reasonable physical, technical, and administrative safeguards designed to protect the personal information we collect from loss, misuse, unauthorized access, alteration, and disclosure. These include:

• Encryption of data in transit using industry-standard TLS.
• Access controls limiting access to personal information to employees and service providers who need it to perform their job.
• Written agreements with our service providers requiring them to protect personal information and to use it only for the purposes we authorize.
• Monitoring for unauthorized access and security incidents.

No security measure is perfect. If we ever learn of a security incident that affects your personal information, we will notify you and the applicable authorities as required by law.

17. Notice at Collection (California)

At or before the time we collect personal information from California residents, we provide a short-form notice at collection summarizing (a) the categories of personal information we collect, (b) the business purposes for which each category is used, (c) whether the category is sold or shared, and (d) the retention criteria that apply. This Privacy Policy serves as that notice. A condensed version is available next to each form where we collect information, linked from the form itself.

Effective Date: 2026-04-30

Doing business in California as The Annuity Man Insurance Solutions.