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Privacy Policy & Terms and Conditions

All rights reserved. Material may not be reproduced in whole or in part in any form without prior written permission from the publisher. Printed in the United States of America.

This publication is intended for informing insurance professionals only and its content is not to be used in the solicitation or advertising to the general public. The opinions expressed by NAFA Annuity Outlook contributors do not necessarily reflect the viewpoint of NAFA or the publisher.

The mention of an organization name, product, or service in this publication should not be construed as an endorsement. NAFA and Annuity Outlook, Inc. make no warranties regarding the accuracy of the information provided within this publication.

Annuity Outlook, Inc. (AOI) is committed to protecting the privacy of our web site visitors and those who opt-in to receive the daily email messages we send on behalf of our customers. We uphold the highest industry standards in online privacy and permission marketing.

Security and Privacy
AOI’s web site uses security measures to protect against the loss, misuse, and alteration of the information under our control. We store the information in a database in a secure environment at our data center. We will never share, sell, or rent individual personal information with anyone without your advance permission or unless ordered by a court of law. Information submitted to us is only available to employees managing this information for purposes of contacting you or sending you e-mails based on your requesting information.

Email Ads and Newsletters
You will be added to AOI’s email newsletter and email ad subscriber lists only if you register to receive them via a form on the AOI website. You may opt-out of receiving our newsletters and email ads by clicking on the opt-out link included in every email newsletter and email ad we send.

Testimonials
We post customer testimonials on our web site, which may contain personally identifiable information such as the customer’s name. We obtain the customer’s consent prior to posting the testimonial to post their name along with their testimonial.

Information Tracked
At times we will use your IP address to help diagnose problems with our server and to administer our web site. We also may track browser types to help us understand our visitors’ needs related to our web site design. If you opt-in to receiving email communications from us, then we may send information to you on our products or services and those of our advertising customers. This information will not be used for any other purpose. We do, however, 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 comply with a judicial proceeding, court order, or legal process served on our Web site. To opt-out from having any provided information used for email communications from us, please click on the opt-out (unsubscribe) link in any message you receive from us. This will allow you to unsubscribe or update your message preferences.

Cookies
Client-side cookies are used to verify the login status of customers using products or services linked directly with our website. Usage of a cookie is in no way linked to any personally identifiable information while on our site. If a user rejects the cookie, they may still use our site; however, the user may not be able to access all areas of our site.

Links to other Websites
AOI is not responsible for the privacy practices or the content of any other web sites to which we link.

Notification of Changes
AOI will notify its members and users via email if we make any changes to our privacy policy. Any new policy will be posted on our site at least one week prior to its taking effect. If at any point we decide to use personally identifiable information in a manner different from that stated at the time it was collected, we will notify users by way of an email. Users will have a choice as to whether or not we use their information in this different manner. If we decide to change our privacy policy, we will post those changes to this privacy statement, or the home page, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We reserve the right to modify this privacy policy at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our website.

Safe Harbor Data Privacy Notice
AOI adheres to the Safe Harbor Principles published by the U.S. Department of Commerce (the “Safe Harbor Principles”) with respect to personal information (as defined below) it receives from the European Union. AOI will respond to your request to access or delete personal information within 30 days as is required under the EU Safe Harbor program. This notice outlines our general policy and practices for implementing the Safe Harbor Principles, including the type of information to which this notice applies, how we use personal information, and the choices individuals have regarding our use of, and their ability to correct, that personal information. If there is any conflict between the policies in this notice and the Safe Harbor Principles, the Safe Harbor Principles will govern. This notice applies to all personal information we handle, including on-line (except as noted below), and manually processed data. For purposes of this notice, “personal information” means data that is recorded in any form; and is about, or pertains to, a specific individual who is identified in, or is identifiable from, the data. “Sensitive information” is a subcategory of personal information. Sensitive information is defined as personal information specifying medical or health conditions, racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership, or the sex life of the individual. Sensitive information also includes personal information received from a third party where the third party treats and identifies it as sensitive.

Safe Harbor Principles Regarding Personal Information Notice and Choice
We notify individuals about the personal information we collect from them, how we use it, and how to contact us with privacy concerns. We obtain personal information only as permitted by the Safe Harbor Principles or with the consent of the individual affected. Consent for personal information to be collected, used, and/or disclosed in certain ways may be required in order for an individual to obtain or use our services. To the extent permitted under the Safe Harbor, we reserve the right to process personal information in the course of providing professional services to our clients without the knowledge of individuals involved.

Disclosures and Transfers
We do not disclose personal information to third parties, except when one or more of the following conditions is true: We have the individual’s permission to make the disclosure; The disclosure is permitted by law or mandatory professional standards; The disclosure is reasonably related to the sale or other disposition of all or part of our business or assets; The personal information to be disclosed is publicly available; The party to whom the disclosure is made controls, is controlled by, or is under common control with AOI. The disclosure is reasonably necessary for the establishment or maintenance of legal claims; or The disclosure is to persons or entities for whom we are providing services, provided the disclosure is consistent with the purpose for which the personal information was obtained. We will comply with the Safe Harbor Principles with respect to disclosures of sensitive information, including, when applicable, obtaining the explicit consent of the individual prior to disclosing sensitive information to a third party or using sensitive information for purposes other than those for which it was originally collected or subsequently authorized by the individual. Transfers of information permitted under this notice, either to third parties or within AOI, include the transfer of data from one jurisdiction to another, such as transfers to and from the United States of America.

Data Security, Integrity, and Access
We employ physical, electronic, and managerial measures, including education and training of our personnel, designed to provide the personal information in our possession with reasonable protection from accidental loss or destruction, improper use, alteration, or disclosure. Personal information collected or displayed through a web site is protected in transit by industry standard encryption processes. However, we cannot guarantee the security of personal information accessible on or transmitted via the Internet. We process personal information in ways compatible with the purpose for which the personal information was collected, or as otherwise authorized by the individual. To the extent necessary for such purposes, we take reasonable steps to make sure that personal information is accurate, complete, current, and otherwise reliable with regard to its intended use. If an individual becomes aware that personal information we maintain about that individual is inaccurate, or if an individual would like to update or review his or her personal information, the individual may contact us using the contact information below. As a security precaution, we may request that the individual provide identifying information such as name, address, birth date, and/or social security number. In addition, we may limit or deny access to personal information where providing such access would be unreasonably burdensome or expensive in the circumstances, or as otherwise permitted by the Safe Harbor Agreement. In some circumstances, we may charge a reasonable fee, where warranted, for access to personal information.

Amendment
We may amend this notice from time to time by posting a revised notice on this Web site, or a similar Web site that replaces this Web site. If we amend the notice, the new notice will apply to personal information previously collected only insofar as the rights of the individual affected are not reduced. So long as we profess to adhere to the Safe Harbor Principles, we will not amend this notice in a manner inconsistent with the Safe Harbor Principles.

Information Subject to Other Policies
We are committed to following the Safe Harbor Principles for all personal information, as that term is defined herein. Other information we receive may be subject to policies that may differ in some respects from the policies set forth in this notice. Certain of our Web sites have their own privacy policies that apply specifically to those Web sites. Those policies may be accessed through the Web sites in question. Information relating to present or former AOI personnel is subject to our policies concerning personnel data privacy, which are available to present and former AOI personnel upon request. Information obtained from or relating to clients or former clients is further subject to the terms of any privacy commitment made to the client, any agreements with the client, and/or any applicable laws and professional standards.

Contact Information
For further information, please contact us:

Annuity Outlook, Inc.
155 Willowbrook Blvd.
Suite 210
Wayne, New Jersey 07470
Phone: 800-765-0372
Fax: 973-435-3353