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Annuity Digest — Terms of Service

Effective Date: June 23, 2026

1. Acceptance of Terms

By accessing or using Annuity Digest (annuitydigest.com), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use this site. These Terms constitute a legally binding agreement between you and the company operating Annuity Digest ("we," "us," or "our").

2. About Annuity Digest

Annuity Digest is an independent reference and educational platform providing information about annuity products, insurance carriers, and related financial concepts. The site is operated as a DBA of a California corporation.

The content on Annuity Digest is provided strictly for financial education purposes. Nothing on this site constitutes financial advice, investment advice, legal advice, insurance advice, or a recommendation to purchase, surrender, or exchange any financial or insurance product. Annuity Digest's sole purpose is financial education. We exist to help readers understand how annuity products and lifetime income arrangements work — not to influence any specific financial decision.

Annuity Digest is an educational reference platform. Our mission is to help consumers, plan fiduciaries, and financial professionals understand how annuity products work — their structures, costs, contractual claims, and tradeoffs — so they can engage more knowledgeably with the professionals and institutions they work with. We do not provide personalized guidance of any kind.

Annuity Digest does not sell annuities, hold any insurance license, act as an insurance agent or broker, provide investment advisory services, or offer personalized financial planning. You should consult a licensed financial advisor, insurance professional, or attorney before making any financial or insurance decision. We make no representation that any product, strategy, or approach discussed on this site is appropriate for your individual circumstances.

If you are seeking advice about whether to purchase, hold, or surrender an annuity product, please consult a licensed professional. This site cannot help you with that, and nothing here should be read as doing so.

4. Intellectual Property

Editorial content license. The editorial content on Annuity Digest — including articles, essays, and educational guides — is licensed under the Creative Commons Attribution-NonCommercial 4.0 International License (CC BY-NC 4.0). Under this license, you are free to share and adapt our editorial content for non-commercial purposes, provided you give appropriate credit to Annuity Digest and link to the original source. Commercial use of our editorial content is not permitted without prior written permission.

Proprietary content. The following elements are not covered by the CC BY-NC 4.0 license and remain proprietary: glossary entries and term definitions, carrier and product profile data, the Annuity Digest name and marks, site design and layout, and any data compilations or structured databases. All rights to these elements are reserved.

Permitted use. You may share links to our content freely and quote brief excerpts for commentary, criticism, journalism, or educational purposes, provided you clearly attribute Annuity Digest and link to the original source.

Prohibited use. You may not reproduce, scrape, republish in bulk, or create derivative commercial works from any content on this site — including proprietary content — without our prior written permission. Automated scraping of glossary, carrier, or product data is expressly prohibited.

5. Accuracy of Information

We make reasonable efforts to ensure that content on Annuity Digest is accurate and current, but we make no warranties or representations — express or implied — as to the completeness, accuracy, reliability, or timeliness of any content. Insurance products, carrier ratings, and regulatory environments change frequently. You should independently verify any information before relying on it.

6. Email Communications

If you subscribe to our email list, you consent to receive periodic communications from Annuity Digest including newsletters, educational content, and site updates. You may unsubscribe at any time by clicking the unsubscribe link included in every email or by contacting us at info@annuitydigest.com. We do not sell or rent subscriber email addresses to third parties.

Annuity Digest may contain links to third-party websites, including insurance carrier sites, regulatory agencies, and other reference sources. These links are provided for convenience only. We do not endorse, control, or take responsibility for the content or practices of any third-party site. Accessing third-party sites is at your own risk.

8. Disclaimer of Warranties

Annuity Digest is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the site will be uninterrupted, error-free, or free of viruses or other harmful components.

9. Limitation of Liability

To the fullest extent permitted by applicable law, Annuity Digest and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of — or inability to use — this site or its content, even if we have been advised of the possibility of such damages. Our total liability for any claim arising out of or relating to these Terms or the site shall not exceed one hundred dollars ($100).

10. Indemnification

You agree to indemnify and hold harmless Annuity Digest and its operators, officers, and agents from any claims, liabilities, damages, losses, and expenses — including reasonable attorneys' fees — arising out of your use of the site, your violation of these Terms, or your violation of any rights of a third party.

11. Governing Law

These Terms are governed by the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in San Diego County, California.

12. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated effective date. Your continued use of the site after any changes constitutes acceptance of the revised Terms.

13. Contact

Questions about these Terms may be directed to: info@annuitydigest.com