Privacy Policy

Effective August 15, 2018

Privacy Policy of ANNUITAS and its wholly owned subsidiaries (“collectively ANNUITAS”).

Notification of Privacy Policy Changes:
We may update this privacy statement to reflect changes to our information practices. If we make any material changes we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices. However, to be notified of Privacy Policy changes via email, please click here.

ANNUITAS wants you to know how the data, including, personally identifiable information (PII) and non-personally identifiable information, it collects or obtains is used. Accordingly, the data collection, acquisition, use and dissemination practices of ANNUITAS are discussed in this policy. This policy applies to data collected on our websites (“Websites”)

Information You Give Us:
ANNUITAS collects PII and/or other data from individuals when you voluntarily enter one of our websites and complete a survey, order form or registration page, either online or offline. You can choose not to provide certain information, but then you might not be able to take advantage of many of our features or be eligible to receive the services offered by this site. The information that you are asked to provide may include, but is not limited to, your name, postal address, email address, street address, zip code, telephone number(s), gender, salary range, education, marital status, occupation, employment status, personal and online interests as well as other information that may be requested from time to time. We may also collect information, including, but limited to, your web browser and your Internet Protocol (IP) address.

Blogs:
Our Web site offers publicly accessible blogs. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them.

Information From Third Parties:
We may also have access to your PII and/or other data when you provide it to a third party, and we subsequently purchase, license or otherwise acquire it from such third parties.  In such cases, this Privacy Policy will be applicable.

Other Information Provided To Us:
Other times that we may obtain PII and/or other data from you include (1) when you make a claim for an offer or seek to redeem an offer by us or a third party, (2) when you request assistance through our customer service department, or (3) when you voluntarily subscribe to a service or newsletter provided by us or a third party. We may also receive information about you from a third party or from other sources including information located in public databases.

What We Do With The Information That We Obtain:
We will share your personal information with third parties only in the ways that are described in this privacy statement. We do not sell your personal information to third parties.

Also, we use individual information to provide products and services to you. The promotional offers may be made to you by us by means of email advertising, telephone marketing, or postal mail. By registering at this Website, or other third-party web sites as described herein, you agree that such act constitutes an inquiry and/or application for purposes of the Amended Telemarketing Sales Rule (16 CFR Section 310 et seq.), as amended from time to time (“ATSR”).  Notwithstanding that your telephone number may be listed on the Federal Trade Commission’s Do-Not-Call List, we reserved the right to contact you via telemarketing in accordance with ATSR.

We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or to comply with a judicial proceeding, court order, or legal process served on our Web site.

Cookies:
A cookie is a small file that is placed on your hard drive that enables us to analyze our web page effectiveness and identify you with the corresponding data that we have in our database. ANNUITAS reserves the right to retain cookie data indefinitely.

Marketo
The Munchkin cookie uses the key _mkto_trk, and has a value following this pattern: id:561–HYG–937&token:_mch–marketo.com–1374552656411–90718. The default lifespan of the cookie is 730 days.

Google Analytics
These cookies are set by Google Universal Analytics. They are used to calculate visitor, session and campaign data for the Sites’ analytics reports. The default lifespan of the cookie is <1 hour – 2 years.

Google Adwords Remarketing
Tag name: gtag.js
We use Google AdWords Remarketing to advertise trigger across the Internet. AdWords remarketing will display relevant ads tailored to you based on what parts of the ANNUITAS website you have viewed by placing a cookie on your machine. THIS COOKIE DOES NOT IN ANYWAY IDENTIFY YOU OR GIVE ACCESS TO YOUR COMPUTER. The cookie is used to say “This person visited this page, so show them ads relating to that page.” Google AdWords Remarketing allows us to tailor our marketing to better suit your needs and only display ads that are relevant to you. Visitors can opt out of Google’s use of cookies by visiting Google’s Ads Settings. Alternatively, you can opt out of a third-party vendor’s use of cookies by visiting the Network Advertising Initiative opt-out page.

LinkedIn Insight
Cookies: L1c; BizoID; BizoData; BizoUserMatchHistory; BizoNetworkPartnerIndex
The LinkedIn Insight Tag enables the collection of data regarding members’ visits to your website, including the URL, referrer, IP address, device and browser characteristics, timestamp, and page views. This data is encrypted, then de-identified within seven days, and the de-identified data is deleted within 90 days. LinkedIn does not share the personal data with the website owner, it only provides aggregated reports about the website audience and ad performance. LinkedIn also provides retargeting for website visitors, enabling the website owner to show personalized ads off its website by using this data, but without identifying the member. LinkedIn members can control the use of their personal data for advertising purposes through their account settings.

Wordfence
To help you understand which cookies the Wordfence plugin sets, we have provided the guide below.

wfwaf-authcookie-(hash)
What it does: This cookie is used by the Wordfence firewall to perform a capability check of the current user before WordPress has been loaded.

Who gets this cookie: This is only set for users that are able to log into WordPress.

How this cookie helps: This cookie allows the Wordfence firewall to detect logged in users and allow them increased access. It also allows Wordfence to detect non-logged in users and restrict their access to secure areas. The cookie also lets the firewall know what level of access a visitor has to help the firewall make smart decisions about who to allow and who to block.

wfCBLBypass
What it does: Wordfence offers a feature for a site visitor to bypass country blocking by accessing a hidden URL. This cookie helps track who should be allowed to bypass country blocking.

Who gets this cookie: When a hidden URL defined by the site admin is visited, this cookie is set to verify the user can access the site from a country restricted through country blocking. This will be set for anyone who knows the URL that allows bypass of standard country blocking. This cookie is not set for anyone who does not know the hidden URL to bypass country blocking.

How this cookie helps: This cookie gives site owners a way to allow certain users from blocked countries, even though their country has been blocked.

Web Beacons:
Web pages may contain electronic images (called a “single-pixel GIF” or “web beacon”) that allow a web site to count users who have visited that page or to access certain cookies. We use web beacons to track the effectiveness of a promotional campaign and to transfer an individual’s unique user identification (often in the form of a cookie) and associate your updated information into our database.  Our practice is to include web beacons in HTML-formatted email messages (messages that include graphics) that we send directly or through third parties in order to determine, among many other items, which email messages were opened and to note whether a message was acted upon. In general, any electronic image viewed as part of a web page, including an ad banner, can act as a web beacon.  ANNUITAS reserves the right to retain Web Beacon data indefinitely.

New Technology:
Since the use of new technology including cookies, web beacons, and other technology is rapidly evolving, as is our use of new and evolving technology, we may change or use additional or new technology from time to time.

No Information Collected from Minors:
MINORS UNDER THE AGE OF 13 SHOULD NOT PROVIDE ANY PII AND/OR OTHER INFORMATION, INCLUDING THEIR EMAIL ADDRESS, TO ANNUITAS. ANNUITAS ALSO DOES NOT KNOWINGLY ACCEPT PII AND/OR OTHER DATA FROM ANY SUCH USERS OF ITS WEBSITES AND/OR ANY THIRD PARTIES.

How to Unsubscribe:
If you wish to unsubscribe from all of our offers, please send us an email at abuse@annuitas.com and we will globally suppress your email address in our system.

Please note that users cannot update or delete previously submitted information. If your information (such as your email address) should change, we ask that you re-submit a registration form or request.

Practices of Third Parties:
We cannot control, and are not responsible, for any third party’s use of cookies, web beacons or other technology to collect information about an individual.

Links to Other Web Sites:
Our Site includes links to other Web sites whose privacy practices may differ from those of ANNUITAS. If you submit personal information to any of those sites, your information is governed by their privacy statements. We encourage you to carefully read the privacy statement of any Web site you visit.

Security:
The security of your personal information is important to us. We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security.

Data Retention:
We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you services contact us at privacy@annuitas.com.  We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

GDPR:
We provide many choices about the collection, use and sharing of your data, from deleting or correcting data you include in your profile to advertising opt-outs and communication controls.

For personal information that we have about you, you can request the following:

Delete Data: You can ask us to erase or delete all or some of your personal data (e.g., if it is no longer necessary to provide Services to you).

Change or Correct Data: If you have created an account on our website, you can edit some of your personal data by contacting us. You can also ask us to change, update or fix your data in certain cases, particularly if it’s inaccurate.

Object to, or Limit or Restrict, Use of Data: You can ask us to stop using all or some of your personal data (e.g., if we have no legal right to keep using it) or to limit our use of it (e.g., your personal data is inaccurate or unlawfully held).

Right to Access and/or Take Your Data  you may contact ANNUITAS to request a copy of your personal data and can ask for a copy of personal data be provided in machine readable form. You can also ask to review any of the information that we have retained, how we have used it, and to whom we have disclosed it at any time by contacting us.

California Privacy Rights:
California Civil Code Section 1798.83 enables California residents who have provided PII to ANNUITAS, and/or to a third party who has then shared such information with ANNUITAS, to request information regarding ANNUITAS’ disclosure of such PII information to third parties.  Within thirty days of receipt of such a request, ANNUITAS will provide a list of the PII disclosed to third parties for the past calendar year, along with the names and addresses of such third parties.  This request may not be made more than once per calendar year.  Should you wish to exercise your rights under this Section, please use the postal address listed below.  ANNUITAS reserves the right not to honor and/or respond to such requests that are not sent to the address below.

Data Protection Officer:
ANNUITAS is headquartered in Atlanta, in the United States. ANNUITAS has appointed an internal data protection officer for you to contact if you have any questions or concerns about our personal data policies or practices. Our data protection officer’s name and contact information are as follows:

Chris Arrendale
privacy@annuitas.com
ANNUITAS
Attn: Privacy Department
3280 Peachtree Road, NE 7th Floor
Atlanta, Georgia 30305
404.609.4121

More Information:
If you have questions about this Privacy Policy, please contact us at:
privacy@annuitas.com or
ANNUITAS
Attn: Privacy Department
3280 Peachtree Road, NE 7th Floor
Atlanta, Georgia 30305
404.609.4121