Terms of Service

These Terms of Service ("Terms") form a binding agreement between you and Annuity Atlas, LLC ("Annuity Atlas," "we," "us," or "our") governing your use of the website at annuity-atlas.com and any related services (collectively, the "Site"). By accessing or using the Site, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Site.

Annuity Atlas publishes independent editorial research, comparisons, calculators, and educational content about annuity products. This content is for informational and educational purposes only. It is not personalized investment, tax, legal, or insurance advice, and it is not an offer to sell or a solicitation to buy any security or insurance product.

Annuity contracts are issued by insurance companies. Terms, rates, caps, participation rates, fees, and riders change over time and vary by state, age, and contract form. Always review the issuer's disclosure documents and consult a licensed professional before making any decision.

Our ratings and scores reflect our editorial judgment applied to our published methodology. Ratings are not guarantees of performance, safety, or suitability. Ratings may change as underlying data changes. Our methodology and editorial standards are described on our About page.

The Site may introduce you to licensed insurance specialists or other third parties. Those parties are independent of Annuity Atlas. Any engagement, contract, or transaction between you and a third party is solely between you and that party. Annuity Atlas is not a party to, and is not responsible for, the acts, omissions, advice, or products of any third party.

You agree not to:

• Use the Site in any manner that violates any law, regulation, or the rights of others;
• Scrape, harvest, or systematically extract content except as permitted by our robots.txt and applicable law;
• Copy, republish, or redistribute substantial portions of the Site without our written permission;
• Reverse engineer, probe, or attempt to defeat the security of the Site;
• Upload or transmit viruses, malware, or any other malicious code;
• Impersonate any person or misrepresent your affiliation with any person or entity;
• Use the Site to send unsolicited commercial messages.

The Site, including text, graphics, logos, data compilations, and software, is owned by Annuity Atlas or its licensors and is protected by U.S. and international intellectual property laws. Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for personal, non-commercial purposes. All other rights are reserved. "Annuity Atlas" and the Annuity Atlas logo are trademarks of Annuity Atlas, LLC.

If you submit feedback, suggestions, or other materials to us, you grant Annuity Atlas a perpetual, worldwide, royalty-free, sublicensable license to use, reproduce, modify, and create derivative works from those materials for any lawful purpose, without compensation or attribution. Do not submit any information you consider confidential.

THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, ANNUITY ATLAS DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY OR COMPLETENESS OF CONTENT.

Rate quotes, caps, spreads, participation rates, and illustrations shown on the Site are snapshots that may be outdated by the time you read them. We do not warrant that the Site will be uninterrupted, secure, or error-free.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ANNUITY ATLAS AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, ARISING FROM YOUR USE OF THE SITE. OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100).

You agree to indemnify and hold harmless Annuity Atlas and its affiliates from and against any claims, damages, liabilities, 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.

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws rules. Any dispute arising out of or relating to these Terms or the Site will be resolved exclusively in the state or federal courts located in Bexar County, Texas, and you consent to the personal jurisdiction of those courts. You and Annuity Atlas each waive any right to a jury trial.

We may modify the Site or these Terms at any time. When we change these Terms, we will update the "Last updated" date above. Your continued use of the Site after the effective date constitutes acceptance of the revised Terms.

We may suspend or terminate your access to the Site at any time, with or without notice, if we believe you have violated these Terms or for any other reason. Sections that by their nature should survive termination will survive.

These Terms, together with our Privacy Policy, are the entire agreement between you and Annuity Atlas regarding the Site. If any provision is held unenforceable, the remaining provisions will remain in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our written consent; we may assign them freely.

Questions about these Terms? Email admin@annuity-atlas.com or write to Annuity Atlas, LLC, Attn: Legal, San Antonio, TX.