Who we are
Our website address is: www.AnnuitiesExplained.org
| What information do we collect? When you request an annuity quote, check rates, or engage with phone services provided by AnnuitiesExplained.org, you may interact with automated technology. This includes artificial intelligence (AI) voice assistants, interactive voice response (IVR) platforms, or synthesized human voice clones. All calls made by AnnuitiesExplained.org comply with the Telephone Consumer Protection Act and applicable state telemarketing laws. Calls may be recorded for quality assurance, compliance, and training purposes. We honor all opt-out and revocation requests within 24 hours of receipt, and your number is removed from all active dialing queues immediately upon processing. All calls made by AnnuitiesExplained.org comply with the Telephone Consumer Protection Act and applicable state telemarketing laws. Calls may be recorded for quality assurance, compliance, and training purposes. What Information We Collect: During these voice interactions, we automatically record and process your voice audio data, real-time spoken text inputs, complete conversation transcripts, and specific financial goals or parameters discussed (such as target retirement age, intended premium amounts, or income requirements). How We Use the Information: In alignment with state insurance “best interest” suitability and compliance standards, this data is strictly utilized to deliver accurate annuity comparisons, verify your consumer identity to mitigate fraud, and improve the precision of our automated retirement analysis tools. Third-Party Disclosures: We do not sell or lease your voice biometrics or phone transcripts. In accordance with our general site policies, this data is shared exclusively with licensed carriers, credentialed financial underwriters, or trusted technical partners essential to delivering your requested annuity options, under strict agreements to keep this information entirely confidential. Data Retention: Your conversational data and audio records are encrypted and retained strictly as long as necessary to fulfill your insurance requests or to meet the statutory record-keeping mandates imposed by state departments of insurance. Your Right to Opt Out and Revoke AI Call Consent You maintain the absolute right to revoke your consent to receive automated or AI-generated phone calls from AnnuitiesExplained.org at any time. You can enforce your privacy choices through any of the following methods: In-Call Verbal Revocation: During any active call with an AI voice agent, you may state “Opt out,” “Stop calls,” or “Transfer to a human” to immediately terminate the automated sequence. Direct Contact Request: You can formally request to be placed on our internal Do-Not-Call (DNC) list by emailing our compliance team at Jeff@AnnuitiesExplained.org or by calling our consumer helpline at 1-800-286-1812. Processing Deadlines: We honor all revocation directives as soon as practically possible, ensuring your telephone number is purged from all active automated dialing queues within 24 hours of receiving your request. Scope Limits: Opting out of promotional or lead-generation AI calls applies strictly to sales and marketing tracks. It will not restrict us from reaching you via traditional manual phone calls or mail regarding necessary administrative updates or active insurance contract notices. When you register on our site, subscribe to our e-mail transmissions, respond to a survey, or fill out a form, we collect personal information about you. This may include your name, e-mail address, mailing address, or phone number. You may, however, visit the public areas of our site anonymously. This website uses Google Analytics to help analyze how users use the site. The tool uses “cookies”, which are text files placed on your computer, to collect standard Internet log information and visitor behavior information in an anonymous form. The information generated by the cookie about your use of the website (including IP address) is transmitted to Google. Google then uses this information to evaluate visitors’ use of the website and compile statistical reports on website activity. Privacy of Collected Data: We will never (and will not allow any third party to) use the statistical analytics tool to track or to collect any Personally Identifiable Information (PII) of visitors to our site. Google will not associate your IP address with any other data held by Google. Google nor we will link, or seek to link, an IP address with the identity of a computer user. We will not associate any data gathered from this site with any Personally Identifiable Information from any source, unless you explicitly submit that information via a fill-in form on our website. Information to opt out of Google Analyticshttps://tools.google.com/dlpage/gaoptoutWhat is Remarketing? This website uses Google remarketing to advertise online using text or image ads on the Google Display Network. Remarketing is a feature that lets us reach people who have previously visited our site and show them relevant ads when they visit other sites on the Google Display Network. For websites using remarketing, a third-party DoubleClick cookie is used to enable remarketing for products like AdWords on the Google Display Network. When someone visits our website, a few lines of code will drop an anonymous browser cookie. This cookie is a small file that stores information. The cookie will store the site visit, but does not store any sensitive information, such as visitor name, address, or any other piece of information that might personally identify the visitor. The cookie will be enabled for a set period of time, such as 30 or 60 days, at which time the cookie expires. What is the Google Display Network? A group of more than a million websites, videos, and apps where ads can appear. Sites in this network have partnered with Google to show relevant AdWords ads. Our website will never: Run remarketing ads that collect Personally Identifiable Information (PII)Create a remarketing list or ad text that specifically targets users in ways that are outlined as “prohibited” by GoogleOpting out of RemarketingVisitors may opt out of Google’s use of cookies by visiting the Ads Preferences Manager. Visitors may opt out of a third-party vendor’s use of cookies by visiting the Network Advertising Initiative opt-out page. Google, as a third-party vendor, uses DART cookies to serve ads on our sites. This enables Google to serve ads to our users based on their visit to our sites and other sites on the Internet. Users may opt out of DART cookie use by visiting Google’s ad and content network privacy policy. You can opt out of a third-party vendor’s use of cookies by visiting the Ads Preferences Manager.Network Advertising Initiative opt-out page.http://www.google.com/privacy/ads/What do we use your information for? Any information collected from you may be used to…Personalize your experience (to better respond to your individual needs), Improve our Websites (client information and feedback is a crucial factor in ongoing improvements to your experience visiting http://AnnuitiesExplained.org Web sites), Improve customer service (your information helps us to more effectively respond to your customer service requests and support needs), Successfully transmit periodic email communications. Your email address (provided by you) will only be used for order processing, and to provide you with information/updates pertaining to your interest and involvement in agency services. If you become part of our e-mailing list, you will receive communications that could include company news, updates, related product or service information, and other informative topics. We include detailed unsubscribe instructions at the bottom of each communication should you decide to opt out. How do we protect your information? We implement a variety of security measures to maintain the safety of your personal information when you access your personal information. Do we use cookies? Yes (Cookies are small files that a site or its service provider transfers to your computers hard drive through your Web browser (if you allow) that enables the sites or service providers systems to recognize your browser and capture and remember certain information). We use cookies to understand and save your preferences for future visits. Do we disclose any information to outside parties? We do not sell, trade, or otherwise transfer to outside parties your personal information. This does not include trusted third-party vendors with whom we work in Website operation, servicing clients, or otherwise conducting day-to-day business, with the agreement that our vendors keep this information confidential. We may also release personal information when such a release is in full compliance with the law, as well as to enforce our site policies or protect our or others’ rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising or other uses.We use cookies to personalize content and ads, to provide social media features and to analyze our traffic. We also share information about your use of our site with our social media, advertising and analytics partners who may combine it with other information you’ve provided to them or they’ve collected from your use of their services. Third-party links: Occasionally, at our discretion, we may include or offer third-party products or services on our website, and sell the information to them. These third-party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.California Online Privacy Protection Act Compliance: Because we value your privacy, we have taken the necessary precautions to be in compliance with the California Online Privacy Protection Act. We therefore will not distribute your personal information to outside parties without your consent.Childrens Online Privacy Protection Act Compliance We are in compliance with the requirements of COPPA (Childrens Online Privacy Protection Act), we do not collect any information from anyone under 13 years of age.Your ConsentBy using our site, you consent to our privacy policy. Changes to our Privacy Policy If we decide to change our privacy policy, we will post those changes on this page. Contacting Us. If there are any questions regarding this privacy policy you may contact us using the information below.Jeff McLeod, LUTC 6302 S 38th St, Rogers AR 72758 800-286-1812 NATIONAL LICENSED INSURANCE SALES PRODUCER #558629 JEFFREY SCOTT McLEOD ARKANSAS INSURANCE PRODUCER LICENSE #558629 |
Comments
When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.
An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.
Media
Suggested text: If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.
Cookies
If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.
If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.
When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.
If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.
Embedded content from other websites
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.
Who we share your data with
If you request a password reset, your IP address will be included in the reset email.
How long we retain your data
If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.
What rights you have over your data
If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
Governing law
This policy and the use of this Site are governed by Arkansas law. If a dispute arises under this Policy we agree to first try to resolve it with the help of a mutually agreed-upon mediator in the following location: Bentonville AR. Any costs and fees other than attorney fees associated with the mediation will be shared equally by each of us.
If it proves impossible to arrive at a mutually satisfactory solution through mediation, we agree to submit the dispute to binding arbitration at the following location: Bentonville AR, under the rules of the American Arbitration Association. Judgment upon the award rendered by the arbitration may be entered in any court with jurisdiction to do so.
AnnuitiesExplained.org is controlled, operated and administered entirely within Arkansas. This statement and the policies outlined herein are not intended to and do not create any contractual or other legal rights in or on behalf of any party.
Where your data is sent
Visitor comments may be checked through an automated spam detection service.