Privacy Policy

Annuity Digest Privacy Policy

Effective Date: June 23, 2026

1. Overview

Annuity Digest ("we," "us," or "our") operates annuitydigest.com as an independent educational reference platform focused on annuity products and lifetime income concepts. Our content is intended solely to help readers understand how these products work — not to provide financial advice, insurance recommendations, or personalized guidance of any kind. This Privacy Policy describes how we collect, use, and protect information from visitors to our site. We are committed to handling your information responsibly and transparently.

2. Information We Collect

A. Automatically collected information

When you visit Annuity Digest, we and our analytics providers automatically collect certain technical information, including:

• IP address and approximate location
• Browser type and version
• Device type and operating system
• Pages visited and time spent on site
• Referring URLs

This information is collected in aggregate to help us understand how visitors use the site and to improve our content. We use Google Analytics for this purpose. Google Analytics may set cookies on your device. You can learn more about Google's data practices at policies.google.com.

B. Information you provide voluntarily

If you subscribe to our email list, we collect your email address and any other information you choose to provide at signup. This information is stored and processed by our email service provider and is used solely to send you Annuity Digest communications.

We do not collect payment information, Social Security numbers, financial account data, or sensitive personal information.

3. How We Use Your Information

We use the information we collect to:

• Deliver and improve site content
• Analyze site traffic and reader behavior in aggregate
• Send email communications to subscribers who have opted in
• Respond to inquiries submitted to info@annuitydigest.com

We do not sell, rent, or trade your personal information to third parties. We do not use your information for targeted advertising.

4. Cookies

Annuity Digest uses cookies solely through Google Analytics. We do not use advertising cookies, retargeting pixels, or behavioral tracking tools.

Google Analytics sets the following cookies on your device:

_ga — Distinguishes unique visitors. Retained for 2 years.

_ga_* — Maintains session state for GA4. Retained for 2 years.

These are analytics cookies used to measure traffic patterns and understand which content is most useful to our readers. They are not used to identify you personally or serve you advertising.

You can disable cookies in your browser settings or opt out of Google Analytics tracking at tools.google.com/dlpage/gaoptout. If you opt out, the site will continue to function normally.

5. Email Communications and Unsubscribing

If you subscribe to our email list, your email address is processed by our email service provider in accordance with their privacy practices. We retain subscriber email addresses for as long as you remain subscribed. You may unsubscribe at any time by:

• Clicking the unsubscribe link in any email we send, or
• Emailing us at info@annuitydigest.com

Upon unsubscribing, we will remove your address from active mailing lists promptly.

6. Data Retention

We retain analytics data in accordance with Google Analytics' standard retention settings. We retain subscriber email addresses until you unsubscribe. We retain email correspondence sent to info@annuitydigest.com for a reasonable period as needed for business operations.

7. Data Security

We take reasonable technical and organizational measures to protect the information we collect. However, no internet transmission or electronic storage system is completely secure. We cannot guarantee the absolute security of your information.

8. Children's Privacy

Annuity Digest is not directed at children under the age of 13. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us at info@annuitydigest.com and we will delete it promptly.

9. California Privacy Rights (CCPA)

If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA):

• Right to know — You may request that we disclose what personal information we have collected about you, the sources of that information, the purposes for which we use it, and whether we have shared it with third parties.
• Right to delete — You may request that we delete personal information we have collected from you, subject to certain exceptions.
• Right to opt out of sale — We do not sell personal information. No opt-out is necessary, but we will honor any such request.
• Right to non-discrimination — We will not discriminate against you for exercising any of your CCPA rights.

To exercise your rights, contact us at info@annuitydigest.com with the subject line "California Privacy Request." We will respond within 45 days. We may ask you to verify your identity before fulfilling a request.

Please note that CCPA rights apply to personal information as defined by California law. Much of the information we collect — such as anonymized analytics data — does not qualify as personal information under CCPA.

10. Third-Party Services

Annuity Digest uses the following third-party services that may process data on our behalf:

• Google Analytics — Site traffic and behavior analysis
• Email service provider — Subscriber list management and email delivery

These providers operate under their own privacy policies and are not authorized to use your information for any purpose other than providing services to Annuity Digest.

11. Links to Other Sites

Our site contains links to third-party websites. This Privacy Policy applies only to annuitydigest.com. We are not responsible for the privacy practices of any third-party site.

12. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. We encourage you to review this policy periodically.

13. Contact

Privacy-related questions or requests may be directed to:

Annuity Digest
info@annuitydigest.com