LEGAL DISCLOSURE

The information provided herein is for general informational purposes only and is obtained from sources we deemed reliable. It's accuracy, completeness or reliability cannot be guaranteed. Any strategies described may not be suitable for everyone. This information is not intended

as tax or legal advice. Please consult with a qualified attorney or accountant prior to making an informed decision.

Disclaimer

THE MATERIALS AND INFORMATION IN THIS SITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED. Annuitiesfoundation.org and any related, affiliated or subsidiary companies disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchant ability and fitness for a particular purpose. It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided. All information contained on any page is distributed with the understanding that the authors, publishers and distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters, and accordingly assume no liability whatsoever in connection with its use. Consult your own legal or tax advisor with respect to your personal situation. In no event shall Intramark and its related, affiliated and subsidiary companies, be liable for any direct, indirect, special, incidental, or consequential damages arising out of the use of the information herein.

Privacy Policy

Protecting your private information is our priority. This Statement of Privacy applies to

Annuitiesfoundation.org and governs data collection

and usage. For the purposes of this Privacy Policy, unless otherwise noted, all references to Annuitiesfoundation.org

include Annuitiesfoundation.org and annuitiesfoundation.com. The Annuitiesfoundation.org website is an Information site. By using the Annuitiesfoundation.org website, you

consent to the data practices described in this statement.

Collection of your Personal Information

In order to better provide you with products and services offered on our Site, Annuitiesfoundation.org may

collect personally identifiable information, such as your:

We do not collect any personal information about you unless you voluntarily provide it to us.

However, you may be required to provide certain personal information to us when you elect to use

certain products or services available on the Site. These may include: (a) registering for an account

on our Site; (b) entering a sweepstakes or contest sponsored by us or one of our partners; (c)

signing up for special offers from selected third parties; (d) sending us an email message; (e)

submitting your credit card or other payment information when ordering and purchasing products

and services on our Site. To wit, we will use your information for, but not limited to,

communicating with you in relation to services and/or products you have requested from us. We

also may gather additional personal or non-personal information in the future.

Use of your Personal Information

Annuitiesfoundation.org collects and uses your personal information to operate its website(s) and deliver the

services you have requested.

Annuitiesfoundation.org may also use your personally identifiable information to inform you of other products or

services available from Annuitiesfoundation.org and its affiliates.

Sharing Information with Third Parties

Annuitiesfoundation.org does not sell, rent or lease its customer lists to third parties.

Annuitiesfoundation.org may share data with trusted partners to help perform statistical analysis, send you email

or postal mail, provide customer support, or arrange for deliveries. All such third parties are

prohibited from using your personal information except to provide these services to Annuitiesfoundation.org, and

they are required to maintain the confidentiality of your information.

Annuitiesfoundation.org may disclose your personal information, without notice, if required to do so by law or in

the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply

- First and Last Name

- E-mail Address

- Phone Number

with legal process served on Annuitiesfoundation.org or the site; (b) protect and defend the rights or property of

Annuitiesfoundation.org; and/or (c) act under exigent circumstances to protect the personal safety of users of Annuitiesfoundation.org

or the public.

Tracking User Behavior

Annuitiesfoundation.org may keep track of the websites and pages our users visit within Annuitiesfoundation.org, in order to

determine what Annuitiesfoundation.org services are the most popular. This data is used to deliver customized

content and advertising within Annuitiesfoundation.org to customers whose behavior indicates that they are

interested in a particular subject area.

Automatically Collected Information

Information about your computer hardware and software may be automatically collected by

Annuitiesfoundation.org. This information can include: your IP address, browser type, domain names, access

times and referring website addresses. This information is used for the operation of the service, to

maintain quality of the service, and to provide general statistics regarding use of the Annuitiesfoundation.org

website.

Use of Cookies

The Annuitiesfoundation.org website may use "cookies" to help you personalize your online experience. A

cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be

used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you,

and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The

purpose of a cookie is to tell the Web server that you have returned to a specific page. For

example, if you personalize Annuitiesfoundation.org pages, or register with Annuitiesfoundation.org site or services, a cookie

helps Annuitiesfoundation.org to recall your specific information on subsequent visits. This simplifies the process

of recording your personal information, such as billing addresses, shipping addresses, and so on.

When you return to the same Annuitiesfoundation.org website, the information you previously provided can be

retrieved, so you can easily use the Annuitiesfoundation.org features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept

cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you

choose to decline cookies, you may not be able to fully experience the interactive features of the

Annuitiesfoundation.org services or websites you visit.

Security of your Personal Information

Annuitiesfoundation.org secures your personal information from unauthorized access, use, or disclosure.

Annuitiesfoundation.org uses the following methods for this purpose:

When personal information (such as a credit card number) is transmitted to other websites, it is

protected through the use of encryption, such as the Secure Sockets Layer (SSL) protocol.

- SSL Protocol

We strive to take appropriate security measures to protect against unauthorized access to or

alteration of your personal information. Unfortunately, no data transmission over the Internet or any

wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect

your personal information, you acknowledge that: (a) there are security and privacy limitations

inherent to the Internet which are beyond our control; and (b) security, integrity, and privacy of any

and all information and data exchanged between you and us through this Site cannot be

guaranteed.

Right to Deletion

Subject to certain exceptions set out below, on receipt of a verifiable request from you, we will:

Please note that we may not be able to comply with requests to delete your personal information if

it is necessary to:

Children Under Thirteen

Annuitiesfoundation.org does not knowingly collect personally identifiable information from children under the

age of thirteen. If you are under the age of thirteen, you must ask your parent or guardian for

permission to use this website.

E-mail Communications

From time to time, Annuitiesfoundation.org may contact you via email for the purpose of providing

announcements, promotional offers, alerts, confirmations, surveys, and/or other general

• Delete your personal information from our records; and

• Direct any service providers to delete your personal information from their records.

• Complete the transaction for which the personal information was collected, fulfill the

terms of a written warranty or product recall conducted in accordance with federal

law, provide a good or service requested by you, or reasonably anticipated within the

context of our ongoing business relationship with you, or otherwise perform a contract

between you and us;

• Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal

activity; or prosecute those responsible for that activity;

• Debug to identify and repair errors that impair existing intended functionality;

• Exercise free speech, ensure the right of another consumer to exercise his or her right

of free speech, or exercise another right provided for by law;

• Comply with the California Electronic Communications Privacy Act;

• Engage in public or peer-reviewed scientific, historical, or statistical research in the

public interest that adheres to all other applicable ethics and privacy laws, when our

deletion of the information is likely to render impossible or seriously impair the

achievement of such research, provided we have obtained your informed consent;

• Enable solely internal uses that are reasonably aligned with your expectations based on

your relationship with us;

• Comply with an existing legal obligation; or

• Otherwise use your personal information, internally, in a lawful manner that is

compatible with the context in which you provided the information.

communication. In order to improve our Services, we may receive a notification when you open an

email from Annuitiesfoundation.org or click on a link therein.

If you would like to stop receiving marketing or promotional communications via email from

Annuitiesfoundation.org, you may opt out of such communications by Clicking on the UNSUBSCRIBE button.

Changes to this Statement

Annuitiesfoundation.org reserves the right to change this Privacy Policy from time to time. We will notify you

about significant changes in the way we treat personal information by sending a notice to the

primary email address specified in your account, by placing a prominent notice on our site, and/or

by updating any privacy information on this page. Your continued use of the Site and/or Services

available through this Site after such modifications will constitute your: (a) acknowledgment of the

modified Privacy Policy; and (b) agreement to abide and be bound by that Policy.

Contact Information

Annuitiesfoundation.org welcomes your questions or comments regarding this Statement of Privacy. If you

believe that Annuitiesfoundation.org has not adhered to this Statement, please contact Annuitiesfoundation.org at:

Annuities Foundation

info@annuitiesfoundation.com

Effective as of September 11, 2020

Terms & Conditions

Agreement between User and Annuitiesfoundation.org

Welcome to Annuitiesfoundation.org. The Annuitiesfoundation.org website (the "Site") is comprised of various web

pages operated by Annuitiesfoundation.org. Annuitiesfoundation.org is offered to you

conditioned on your acceptance without modification of the terms, conditions, and notices

contained herein (the "Terms"). Your use of Annuitiesfoundation.org constitutes your agreement to all such

Terms. Please read these terms carefully, and keep a copy of them for your reference.

Annuitiesfoundation.org is an Education Site.

To provide information to potential clients and agents. Information may include topics such as; Life

Insurance, Annuities, IRA, Estate Planning, Debt restoration and State Certification Programs.

Privacy

Your use of Annuitiesfoundation.org is subject to Annuitiesfoundation.org Privacy Policy. Please review our Privacy

Policy, which also governs the Site and informs users of our data collection practices.

Electronic Communications

Visiting Annuitiesfoundation.org or sending emails to Annuitiesfoundation.org constitutes electronic communications. You

consent to receive electronic communications and you agree that all agreements, notices,

disclosures and other communications that we provide to you electronically, via email and on the

Site, satisfy any legal requirement that such communications be in writing.

Your Account

If you use this site, you are responsible for maintaining the confidentiality of your account and

password and for restricting access to your computer, and you agree to accept responsibility for

all activities that occur under your account or password. You may not assign or otherwise transfer

your account to any other person or entity. You acknowledge that Annuitiesfoundation.org is not responsible for

third party access to your account that results from theft or misappropriation of your account.

Annuitiesfoundation.org and its associates reserve the right to refuse or cancel service, terminate accounts, or

remove or edit content in our sole discretion.

Children Under Thirteen

Annuitiesfoundation.org does not knowingly collect, either online or offline, personal information from persons

under the age of thirteen. If you are under 18, you may use Annuitiesfoundation.org only with permission of a

parent or guardian.

Links to Third Party Sites/Third Party Services

Annuitiesfoundation.org may contain links to other websites ("Linked Sites"). The Linked Sites are not under

the control of Annuitiesfoundation.org and Annuitiesfoundation.org is not responsible for the contents of any Linked Site,

including without limitation any link contained in a Linked Site, or any changes or updates to a

Linked Site. Annuitiesfoundation.org is providing these links to you only as a convenience, and the inclusion of

any link does not imply endorsement by Annuitiesfoundation.org of the site or any association with its operators.

Certain services made available via Annuitiesfoundation.org are delivered by third party sites and

organizations. By using any product, service or functionality originating from the Annuitiesfoundation.org

domain, you hereby acknowledge and consent that Annuitiesfoundation.org may share such information and data

with any third party with whom Annuitiesfoundation.org has a contractual relationship to provide the requested

product, service or functionality on behalf of Annuitiesfoundation.org users and customers.

No Unlawful or Prohibited Use/Intellectual Property

You are granted a non-exclusive, non-transferable, revocable license to access and use

Annuitiesfoundation.org strictly in accordance with these terms of use. As a condition of your use of the Site,

you warrant to Annuitiesfoundation.org that you will not use the Site for any purpose that is unlawful or prohibited

by these Terms. You may not use the Site in any manner which could damage, disable,

overburden, or impair the Site or interfere with any other party's use and enjoyment of the Site.

You may not obtain or attempt to obtain any materials or information through any means not

intentionally made available or provided for through the Site.

All content included as part of the Service, such as text, graphics, logos, images, as well as the

compilation thereof, and any software used on the Site, is the property of Annuitiesfoundation.org or its suppliers

and protected by copyright and other laws that protect intellectual property and proprietary rights.

You agree to observe and abide by all copyright and other proprietary notices, legends or other

restrictions contained in any such content and will not make any changes thereto.

You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create

derivative works, or in any way exploit any of the content, in whole or in part, found on the Site.

Annuitiesfoundation.org content is not for resale. Your use of the Site does not entitle you to make any

unauthorized use of any protected content, and in particular you will not delete or alter any

proprietary rights or attribution notices in any content. You will use protected content solely for

your personal use, and will make no other use of the content without the express written

permission of Annuitiesfoundation.org and the copyright owner. You agree that you do not acquire any ownership

rights in any protected content. We do not grant you any licenses, express or implied, to the

intellectual property of Annuitiesfoundation.org or our licensors except as expressly authorized by these Terms.

Third Party Accounts

You will be able to connect your Annuitiesfoundation.org account to third party accounts. By connecting your

Annuitiesfoundation.org account to your third party account, you acknowledge and agree that you are consenting

to the continuous release of information about you to others (in accordance with your privacy

settings on those third party sites). If you do not want information about you to be shared in this

manner, do not use this feature.

International Users

The Service is controlled, operated and administered by Annuitiesfoundation.org from our offices within the USA.

If you access the Service from a location outside the USA, you are responsible for compliance

with all local laws. You agree that you will not use the Annuitiesfoundation.org Content accessed through

Annuitiesfoundation.org in any country or in any manner prohibited by any applicable laws, restrictions or

regulations.

Indemnification

You agree to indemnify, defend and hold harmless Annuitiesfoundation.org, its officers, directors, employees,

agents and third parties, for any losses, costs, liabilities and expenses (including reasonable

attorney's fees) relating to or arising out of your use of or inability to use the Site or services, any

user postings made by you, your violation of any terms of this Agreement or your violation of any

rights of a third party, or your violation of any applicable laws, rules or regulations. Annuitiesfoundation.org

reserves the right, at its own cost, to assume the exclusive defense and control of any matter

otherwise subject to indemnification by you, in which event you will fully cooperate with Annuitiesfoundation.org

in asserting any available defenses.

Arbitration

In the event the parties are not able to resolve any dispute between them arising out of or

concerning these Terms and Conditions, or any provisions hereof, whether in contract, tort, or

otherwise at law or in equity for damages or any other relief, then such dispute shall be resolved

only by final and binding arbitration pursuant to the Federal Arbitration Act, conducted by a single

neutral arbitrator and administered by the American Arbitration Association, or a similar arbitration

service selected by the parties, in a location mutually agreed upon by the parties. The arbitrator's

award shall be final, and judgment may be entered upon it in any court having jurisdiction. In the

event that any legal or equitable action, proceeding or arbitration arises out of or concerns these

Terms and Conditions, the prevailing party shall be entitled to recover its costs and reasonable

attorney's fees. The parties agree to arbitrate all disputes and claims in regards to these Terms and

Conditions or any disputes arising as a result of these Terms and Conditions, whether directly or

indirectly, including Tort claims that are a result of these Terms and Conditions. The parties agree

that the Federal Arbitration Act governs the interpretation and enforcement of this provision. The

entire dispute, including the scope and enforceability of this arbitration provision shall be

determined by the Arbitrator. This arbitration provision shall survive the termination of these Terms

and Conditions.

Class Action Waiver

Any arbitration under these Terms and Conditions will take place on an individual basis; class

arbitrations and class/representative/collective actions are not permitted. THE PARTIES AGREE

THAT A PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN EACH'S

INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY

PUTATIVE CLASS, COLLECTIVE AND/ OR REPRESENTATIVE PROCEEDING, SUCH

AS IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION AGAINST THE

OTHER. Further, unless both you and Annuitiesfoundation.org agree otherwise, the arbitrator may not

consolidate more than one person's claims, and may not otherwise preside over any form of a

representative or class proceeding.

Liability Disclaimer

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR

AVAILABLE THROUGH THE SITE MAY INCLUDE INACCURACIES OR

TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE

INFORMATION HEREIN. Annuitiesfoundation.org AND/OR ITS SUPPLIERS MAY

MAKE IMPROVEMENTS AND/OR CHANGES IN THE SITE AT ANY TIME.

Annuitiesfoundation.org AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS

ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND

ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND

RELATED GRAPHICS CONTAINED ON THE SITE FOR ANY PURPOSE. TO THE

MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH

INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS

ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND.

Annuitiesfoundation.org AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL

WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION,

SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL

IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A

PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT

SHALL Annuitiesfoundation.org AND/OR ITS SUPPLIERS BE LIABLE FOR ANY

DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL

DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT

LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF

OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE,

WITH THE DELAY OR INABILITY TO USE THE SITE OR RELATED SERVICES, THE

PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY

INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS

OBTAINED THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF

THE SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT

LIABILITY OR OTHERWISE, EVEN IF Annuitiesfoundation.org OR ANY OF ITS

SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE

SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR

LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES,

THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED

WITH ANY PORTION OF THE SITE, OR WITH ANY OF THESE TERMS OF USE,

YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE.

Termination/Access Restriction

Annuitiesfoundation.org reserves the right, in its sole discretion, to terminate your access to the Site and the

related services or any portion thereof at any time, without notice. To the maximum extent

permitted by law, this agreement is governed by the laws of the State of California and you hereby

consent to the exclusive jurisdiction and venue of courts in California in all disputes arising out of or

relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not give

effect to all provisions of these Terms, including, without limitation, this section.

You agree that no joint venture, partnership, employment, or agency relationship exists between

you and Annuitiesfoundation.org as a result of this agreement or use of the Site. Annuitiesfoundation.org performance of this

agreement is subject to existing laws and legal process, and nothing contained in this agreement is

in derogation of Annuitiesfoundation.org's right to comply with governmental, court and law enforcement requests

or requirements relating to your use of the Site or information provided to or gathered by Annuitiesfoundation.org

with respect to such use. If any part of this agreement is determined to be invalid or unenforceable

pursuant to applicable law including, but not limited to, the warranty disclaimers and liability

limitations set forth above, then the invalid or unenforceable provision will be deemed superseded

by a valid, enforceable provision that most closely matches the intent of the original provision and

the remainder of the agreement shall continue in effect.

Unless otherwise specified herein, this agreement constitutes the entire agreement between the user

and Annuitiesfoundation.org with respect to the Site and it supersedes all prior or contemporaneous

communications and proposals, whether electronic, oral or written, between the user and Annuitiesfoundation.org

with respect to the Site. A printed version of this agreement and of any notice given in electronic

form shall be admissible in judicial or administrative proceedings based upon or relating to this

agreement to the same extent and subject to the same conditions as other business documents and

records originally generated and maintained in printed form. It is the express wish to the parties

that this agreement and all related documents be written in English.

Changes to Terms

Annuitiesfoundation.org reserves the right, in its sole discretion, to change the Terms under which Annuitiesfoundation.org is

offered. The most current version of the Terms will supersede all previous versions. Annuitiesfoundation.org

encourages you to periodically review the Terms to stay informed of our updates.

Contact Us

Annuities Foundation

info@annuitiesfoundation.com

Effective as of 11-25-2020