Terms of Service

Effective Date: January 1, 2025 | Last Updated: January 1, 2025

Welcome to GoodAnnuity. By accessing or using our website, you agree to be bound by these Terms of Service ("Terms"). Please read them carefully.

1. Acceptance of Terms

By using GoodAnnuity, you agree to these Terms, our Privacy Policy, and any additional terms that may apply to specific features. If you do not agree, please do not use our service.

2. Description of Service

GoodAnnuity provides:

• Comparison tools for annuity products
• Educational content about annuities
• Connections to licensed insurance professionals
• Calculators and decision-making tools

Important: GoodAnnuity is a comparison platform and educational resource. We are not a licensed insurance agency, registered investment advisor, or broker-dealer.

3. User Responsibilities

You agree to:

• Provide accurate information when using our tools
• Not misuse our platform for unlawful purposes
• Not attempt to interfere with our website's operation
• Not scrape or copy our content without permission
• Consult with licensed professionals before making financial decisions

4. Information and Content

Accuracy of Information

We strive to provide accurate, up-to-date information, but:

• Rates and product details change frequently
• Information may contain errors or omissions
• Always verify information with the carrier or advisor
• Product availability varies by state and situation

5. No Guarantee of Results

We make no guarantees about:

• The performance of any annuity product
• The suitability of any product for your situation
• That you will qualify for any specific product
• Future rates or terms

6. Third-Party Services

When we connect you with advisors or carriers:

• They are independent third parties, not our employees
• We do not control their advice or recommendations
• You are entering into a separate relationship with them
• Their services are subject to their own terms and conditions

7. Intellectual Property

All content on GoodAnnuity, including:

• Text, graphics, logos, images
• Software, calculators, tools
• Compilation and organization of content

...is owned by GoodAnnuity or our licensors and protected by copyright, trademark, and other intellectual property laws.

You May:

• View and use our website for personal, non-commercial purposes
• Print or download content for your own use

You May NOT:

• Reproduce, distribute, or modify our content for commercial purposes
• Remove copyright or proprietary notices
• Use our content on other websites without permission
• Create derivative works

8. Disclaimers

The service is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy or completeness of information
• Uninterrupted or error-free service

9. Limitation of Liability

To the maximum extent permitted by law, GoodAnnuity and its affiliates shall not be liable for:

• Any indirect, incidental, special, or consequential damages
• Loss of profits, revenue, or data
• Damages resulting from use of or inability to use the service
• Damages resulting from reliance on information provided
• Decisions made based on information from our platform

Some jurisdictions do not allow limitation of liability, so these limitations may not apply to you.

10. Indemnification

You agree to indemnify and hold harmless GoodAnnuity, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of the website
• Your violation of these Terms
• Your violation of any rights of another party

11. Insurance-Specific Disclaimers

Annuities are complex financial products. Before purchasing:

• Consult with a licensed insurance professional
• Read the full product prospectus or disclosure documents
• Understand surrender charges, fees, and limitations
• Consider your complete financial situation
• Consult tax and legal advisors as appropriate

12. Modifications to Service

We reserve the right to:

• Modify or discontinue any part of the service
• Change these Terms at any time
• Refuse service to anyone

Material changes will be communicated through the website or via email.

13. Termination

We may terminate or suspend your access to our service at any time, without notice, for:

• Violation of these Terms
• Fraudulent or illegal activity
• Any reason at our discretion

14. Governing Law

These Terms are governed by the laws of [State], without regard to conflict of law principles. Any disputes shall be resolved in the courts of [State].

15. Arbitration Agreement

Any dispute arising from these Terms or use of our service shall be resolved through binding arbitration rather than in court, except:

• Small claims court matters
• Intellectual property disputes

16. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and GoodAnnuity regarding use of the service.

18. Contact Information

Questions about these Terms? Contact us:

Email: legal@goodannuity.com
Mail: GoodAnnuity Legal Team, [Address]