Terms of Use

Terms of Use

January 2025
These terms of use explain how you may use the Annuities.net website, mobile applications, and other digital properties (the “Sites”). You should read these terms and conditions carefully before using the Sites. The Terms constitute a legally binding agreement between you and FinAuction.com, LLC, a Delaware Limited Liability Company that is the owner of the Sites.

By accessing or using the Sites or otherwise indicating your consent, you agree to be bound by these terms and conditions and the documents referred to in them. If you do not agree with or accept any of these terms, you should cease using the Sites immediately. If you have any questions about this website, please contact [email protected].

Agreement to Receive Phone Calls

By providing your mobile number you understand and accept that your information may be transmitted to a licensed insurance agent from Ethos, or an independent insurance agent, who may contact you for reasons that include, but are not limited to, requesting an appointment, discussing your insurance options, and/or to offer support and guidance.

You agree to receive phone calls from these agents even if you are on the National Do Not Call Registry. Your use of the Site signifies your acknowledgment of and agreement with our Privacy Policy, which is expressly incorporated into these Terms.

Agreement to Receive Text Messages

By providing your mobile number you agree that Annuities.net may send you periodic SMS or MMS messages. These messages may include, but are not limited to, requesting an appointment, discussing your insurance options, and/or to offer support and guidance.

• You may unsubscribe at any time by texting the word STOP to any message we send you.
• Message and data rates may apply.
• By subscribing or otherwise using the service, you acknowledge and agree that we will have the right to change and/or terminate the service at any time, with or without cause and/or advance notice.

If you have any questions please contact our team at [email protected].

Agreement to Receive Email Messages

By providing your email address, you agree that Annuities.net may send you periodic email messages which may include but are not limited to, requesting an appointment, discussing your insurance options, and/or to offer support and guidance.

You may unsubscribe at any time by using the unsubscribe link or emailing our team at [email protected]. Please review our Privacy Policy for more information regarding our information collection practices and safeguards, and how to opt out of receiving emails. Your use of the Site signifies your acknowledgment of and agreement with our Privacy Policy, which is expressly incorporated into these Terms.

Warranties and limitation of liability

You agree that your use of the Site is on an “as available” basis. As stated above, except as otherwise expressly required by applicable law, we make no representations, warranties, conditions or other terms (whether express or implied) in relation to the provision of the Sites, including without limitation as to completeness, accuracy and currency or any Content on the Site, or as to satisfactory quality, or fitness for a particular purpose.

In no event will Annuities.net be liable for (i) any incidental, consequential, or indirect damages including, but not limited to, damages for loss of profits, business interruption, loss of programs or information, etc. arising out of the use of or inability to use the service, or any information or transactions provided on the service, or downloaded from the service, or any delay of such information or service. Even if Annuities.net or its authorized representatives have been advised of the possibility of such damages, or (ii) any claim attributable to errors, omissions, or other inaccuracies in the service and/or materials or information downloaded through the service. Because some countries do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you. In such countries, Annuities.net liability is limited to the greatest extent permitted by law.

Ownership, Use and Intellectual Property Rights

The Sites and all intellectual property rights in the Sites (including without limitation any Content) are owned by us and/or our licensors. We and our licensors reserve all our intellectual property rights (which include without limitation all copyright, trade-marks, domain names, design rights, database rights, patents and all other intellectual property rights of any kind) whether registered or unregistered anywhere in the world.

Nothing in these terms and conditions grants you any rights in the Site other than as necessary to enable you to access the Site. You agree not to adjust to try to circumvent or delete any intellectual property notices contained on the Site and in particular in any digital rights or other security technology embedded or contained within any Site Content.

Trade-marks: The use or misuse of any trade-marks or any other Content on the Site except as provided in these terms and conditions is strictly prohibited. Nothing contained on the Site shall be construed as granting, by implication, estoppel or otherwise, any license or right to use any trade-mark without our prior written permission.

General

All Content on the Sites, and the Sites themselves , are protected by copyright and you will abide by any and all additional copyright notices, information, or restrictions contained in or relating to any Content on the Site. Copying or storing of any Content other than for your personal, noncommercial use is expressly prohibited without the prior written permission from us or the applicable copyright holder.

We may change, suspend or discontinue any aspect of the Sites at any time, including the availability of any Sites features, database, or Content. We may also impose limits on certain features or services or restrict your access to parts or all of the Sites without notice to you or liability to us.

We do not separately file the Terms entered into by each user of the Sites. Please make a copy of these Terms for your records by printing and/or saving a downloaded copy of the Terms on your personal computer.

We may immediately and in our sole discretion terminate any user’s access to or use of the Sites due to such user’s breach of these Terms, our Privacy Policy or other unauthorized use of the Site.

If you are aware of or experience any Content, activity or communication through or in connection with the Sites that appears to be in violation of the above, or in violation of any other provision of these Terms, we ask that you please contact and inform us of any such violations at [email protected].

This agreement shall all be governed and construed in accordance with the laws of California in the United States of America. By using our website, you consent to the agreement as specified above.