Terms of Use
These Terms of Use govern your use of the Annuity HQ website. By using this website, you agree to these terms.
Educational Purpose
Annuity HQ provides general educational information about retirement income, annuities, taxes, Roth conversions, required minimum distributions, Medicare IRMAA and related planning topics. Website content is not individualized tax, legal, investment, accounting or financial advice.
No Professional Relationship
Use of this website, calculators, forms, articles or other educational resources does not by itself create an advisory, fiduciary, attorney-client, tax-professional, insurance-client or other professional relationship.
Calculators and Estimates
Calculator outputs and examples are estimates based on information entered and assumptions used. Actual outcomes can differ because of changes in law, tax rules, Medicare thresholds, product terms, market conditions and individual circumstances.
Annuity and Insurance Information
Any guarantees discussed in connection with insurance or annuity products are subject to the claims-paying ability and contractual obligations of the issuing insurance company. Product availability, features, rates and terms may vary by state and may change.
No Offer or Solicitation
Nothing on this website is an offer to buy or sell a security, insurance product, tax service or legal service. Any recommendation or transaction, where applicable, is subject to suitability, licensing, product availability, required disclosures and applicable law.
Accuracy and Availability
We work to keep information useful and current, but we do not guarantee that all content is complete, error-free or continuously available. Information may be changed, corrected or removed without notice.
Third-Party Links and Services
This website may link to third-party websites, tools or services. Annuity HQ is not responsible for third-party content, availability, security or privacy practices.
Acceptable Use
You agree not to misuse the website, interfere with its operation, attempt unauthorized access, or use content in a way that violates applicable law or the rights of others.
Intellectual Property
Unless otherwise noted, website text, branding, graphics and original materials are owned by or licensed to Annuity HQ and may not be reproduced for commercial use without permission.
Limitation
To the fullest extent permitted by law, Annuity HQ is not liable for losses arising solely from reliance on general educational website content or estimated calculator results. You are responsible for obtaining individualized professional guidance when appropriate.
Changes to These Terms
We may update these Terms of Use from time to time. Continued use of the website after changes are posted constitutes acceptance of the revised terms.