1. HOW WE PROTECT YOUR PRIVACY.
This privacy policy tells you how we collect, use, and protect your personal information. By visiting our website, you accept and agree to the terms and conditions of this privacy policy. In particular, you consent to our collection and use of your personal information as described in this privacy policy.
2. MINORS.
We do not provide services or sell products to children. If you are below the age of 18, you may use our website only with the permission and active involvement of a parent or legal guardian. If you are a minor, please do not provide us or other website visitors with any personal information.
3. POLICY IS PART OF OUR TERMS AND CONDITIONS OF USE.
Our privacy policy is part of, and subject to, our website's terms and conditions of use. You may view these terms and conditions on our website.
4. THE TYPE OF INFORMATION WE COLLECT FROM YOU.
Like most places on the Internet, simply by visiting our website you automatically tell us certain information. This includes basic information such as your IP address, when you visited, the website from where you came prior to visiting us, the website where you go when you leave our website, your computer's operating system, and the type of web browser that you are using. Our website automatically records this basic information about you.
And like many other websites, we may use cookies. In plain English, this means information that our website's server transfers to your computer. This information can be used to track your session on our website. Cookies may also be used to customize our website content for you as an individual. If you are using one of the common Internet web browsers, you can set up your browser to either let you know when you receive a cookie or to deny cookie access to your computer.
We may also collect any data that you provide us by posting it at our website or by e-mail. You can always choose not to provide us with information. However, if you do withhold information, we may deny you access to some or all of our website's services and features.
Some transactions between you and our website may involve payment by credit card, debit card, checks, money orders, and/or third party online payment services. In such transactions, we will collect information related to the transaction as part of the course of doing business with you, including your billing address, telephone number, and other information related to the transaction.
5. WHAT WE DO WITH YOUR INFORMATION.
We use your information to operate our website's business activities. For example, we may use this data to contact you about changes to our website, new services, or special offers, resolve disputes, troubleshoot issues, and enforce our website's terms and conditions.
As a general rule, we will not give your data to third parties without your permission. However, there are some important exceptions to this rule that are described in the following paragraphs.
We may, in our sole discretion, provide information about you to law enforcement or other government officials for purposes of fraud investigations, alleged intellectual property infringement, or any other suspected illegal activity or matters that may expose us to legal liability.
Although we do not disclose individually identifiable information, we may disclose aggregate data about our website's visitors to advertisers or other third parties for marketing and promotional purposes.
From time to time, we may use third party suppliers to provide services on our website. If a supplier wants to collect information about you, you will be notified. However, you will never be required to give information to a third party supplier. We restrict the way third party suppliers can use your information. They are not allowed to sell or give your information to others.
http://www.AnnuityStraightTalk.com is a collection of articles and opinion for annuity investors. This is not a solicitation nor a recommendation or offer to buy securities, annuities, or life insurance.
The information provided is merely the opinion of the writer, and is not guaranteed as to accuracy or completeness and is not to be construed as tax, legal, or investment advice. The information is obtained from sources deemed reliable but is not guaranteed.
The publisher does not recommend the purchase of investments, annuities or life insurance, and is not acting in any way to influence nor dissuade the purchase or sale of any annuity or other insurance or investment products. This report and the information herein and on the website http://www.AnnuityStraightTalk.com should be considered an information resource to assist the reader in determining if annuities or life insurance makes sense for their individual needs. It is the reader’s sole responsibility to conduct his or her own due diligence prior to the purchase of any insurance or investment product. Many investments carry moderate to high degrees of risk, and past performance is no guarantee or prediction of future results. Certain investments discussed in this report and the information herein and on the website http://www.AnnuityStraightTalk.com, such as stocks, bonds and mutual funds, may lose value and are not FDIC insured. It is imperative that the reader seek the advice of a licensed professional to assist them in the purchase of any life insurance, annuity, or savings, investment, or asset protection vehicle. The publisher of this document and the resources at http://www.AnnuityStraightTalk.com, recommend that anyone investing in annuities do so with caution, have a financial plan targeted for the individual’s SPECIFIC situation, and exercise prudent decision making. Individual situations vary; therefore, the information in this document and the resources at http://www.AnnuityStraightTalk.com should be relied upon only when coordinated with individual professional advice. As tax laws are subject to change and interpretation, it is imperative to seek professional counsel on legal or tax matters.
http://www.AnnuityStraightTalk.com maintains a referral relationship with one or more licensed life and annuity specialists to offer to you an objective review of an annuity that you own or that you are considering buying. Any following support calls or e-mails, or specific product recommendations you receive from this third party are governed by their own regulations and are strictly referrals from http://www.AnnuityStraightTalk.com. It is understood that http://www.AnnuityStraightTalk.com cannot and will not be held liable for any recommendations this person or entity may make to you. It is your responsibility to do your own due diligence before taking any action.
6. USER NAMES AND PASSWORDS.
Your access to parts of our website may be protected by a user name and a password. Do not give your password to anyone. If you enter a section of our website that requires a password, you should log out when you leave. As a safety precaution, you should also close out of your web browser completely and re-open it before viewing other parts of the Internet.
7. YOUR USE OF INFORMATION AND UNSOLICITED JUNK E-MAIL.
If you obtain personally identifiable information about another website user, you are not allowed to disclose this information to anyone else without the consent of the user and our consent too.
We hate junk e-mail (Spam). Information you obtain from our website about us or other site users cannot be used by you or others to send unsolicited commercial e-mail or to send unsolicited commercial communications via our website's posting or other communication systems.
8. YOUR VOLUNTARY DISCLOSURE OF INFORMATION TO THIRD PARTIES WHO ARE NOT OUR SUPPLIERS.
You may choose to provide personal information to website visitors or other third parties who are not our suppliers. Please use caution when doing so. The privacy policies and customs of these third parties determine what is done with your information.
9. AUTORESPONDERS.
We may use autoresponders to communicate with you by e-mail. To protect your privacy, we use a verified opt-in system for such communications and you can always opt-out of such communications using the links contained in each autoresponder message. If you have difficulties opting out, you may contact us by sending an e-mail to admin@annuitystraighttalk.com, or sending us mail to the address listed below.
10. POLICY CHANGES.
The terms of this policy may change from time to time. If such changes are made, we will notify you by a notice posted on our website's home page of the changes that have been made. If you disagree with the changes that have been made, please contact us (by e-mail, using a website contact form, or in writing by mail), and any changes made to this policy will not apply to information we have collected from you prior to making the changes.
If you are concerned about the topic covered by this policy, you should read it each time before you use our website. Any questions or concerns about this policy should be brought to our attention by sending an e-mail to admin@annuitystraighttalk.com and providing us with information relating to your concern.
You may also mail your concerns to us at the following address:
Annuity Straight Talk
box 5343
Whitefish , Montana 59937
USA
11. CALIFORNIA PRIVACY RIGHTS.
If you are a California resident and our customer, Cal. Civ. Code § 1798.83 permits you to request certain information about our disclosure of personal information to third parties for their direct marketing purposes. To request this information, please send an e-mail to admin@annuitystraighttalk.com or write us at the following address:
Annuity Straight Talk
box 5343
Whitefish , Montana 59937
USA
This policy was last updated on 01-09-2009.
Copyright © 2008Law Office of Michael E. Young PLLC , and licensed for use by the owner of this website at www.annuitystraighttalk.com. All Rights Reserved. No portion of this document may be copied or used by anyone other than the licensee without the express written permission of the copyright owner.