Terms of Service

1. Acceptance of Terms

Welcome to www.BoostMyAnnuity.com (the "Site"). These Terms of Service ("Terms") govern your access to and use of this Site and the educational information, tools, and services we provide regarding fixed index annuities. By accessing, browsing, or using this Site in any manner, you acknowledge that you have read, understood, and agree to be legally bound by these Terms and our Privacy Policy, which is incorporated herein by reference.

If you do not agree to these Terms, you must immediately discontinue use of this Site.

1.1 Binding Agreement

These Terms constitute a legally binding agreement between you ("you," "your," or "user") and MyAnnuityBoost.com (referred to as "we," "us," "our," or "Company"). Your continued use of this Site signifies your ongoing acceptance of these Terms and any subsequent modifications.

1.2 Modification of Terms

We reserve the absolute right to modify, amend, or update these Terms at any time without prior notice. Your continued use of this Site following any such changes constitutes your acceptance of the revised Terms. It is your responsibility to review these Terms periodically.

1.3 Eligibility Requirements

You must be at least 18 years of age to use this Site. By using this Site, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms. Use of this Site by individuals under 18 years of age is strictly prohibited.

2. Nature of Services and Educational Purpose

2.1 Educational Information Only

This Site provides general educational information about fixed index annuities to help consumers understand insurance products and make informed decisions. All content is for informational purposes only and does not constitute financial advice, investment advice, tax advice, legal advice, or a recommendation to purchase any specific product.

2.2 No Advisory Relationship

Nothing on this Site creates an advisory, fiduciary, or professional services relationship between you and us. We do not act as your financial advisor, investment advisor, tax advisor, attorney, or agent. Any decisions you make based on information obtained from this Site are your sole responsibility.

2.3 Professional Consultation Required

You are strongly encouraged and advised to consult with qualified independent professionals including financial advisors, tax professionals, attorneys, and certified public accountants before making any financial or insurance decisions. Fixed index annuities are complex financial products that require careful consideration of your unique financial situation, goals, risk tolerance, and circumstances.

2.4 State-Specific Regulations

Fixed index annuity products, features, benefits, terms, availability, and regulations vary significantly by state. Information provided on this Site may not be applicable or available in your state. You must verify product availability, features, and regulatory requirements in your specific jurisdiction before making any decisions.

3. Insurance Licensing and Regulatory Compliance

3.1 Licensed Insurance Professionals

We are licensed insurance professionals authorized to provide insurance products in states where we hold active licenses. Our licensing status, credentials, and disciplinary history can be verified through state insurance departments and the National Association of Insurance Commissioners (NAIC) at www.naic.org.

3.2 State Licensing Limitations

We can only provide insurance services and products in states where we are properly licensed. If you are located in a state where we do not hold an active license, we cannot provide insurance services or sell insurance products to you. By using this Site, you acknowledge these licensing limitations.

3.3 Compliance with Regulations

We operate in compliance with all applicable federal and state insurance laws, regulations, and ethical standards including:

• State insurance department regulations and licensing requirements
• National Association of Insurance Commissioners (NAIC) model laws and regulations
• Suitability and best interest standards
• Disclosure requirements and consumer protection laws
• Anti-fraud and anti-money laundering regulations
• Privacy and data protection laws including state privacy statutes

3.4 Suitability and Best Interest Standards

Before recommending any fixed index annuity product, we conduct comprehensive suitability assessments to ensure products align with your financial situation, needs, objectives, and circumstances. We are committed to acting in your best interest when making recommendations.

4. No Guarantees, Warranties, or Representations

4.1 Information Accuracy Disclaimer

While we strive to provide accurate, current, and reliable information, we make no representations, warranties, or guarantees regarding the accuracy, completeness, reliability, timeliness, or suitability of any information, content, calculations, projections, or materials on this Site.

4.2 Third-Party Information

Information regarding specific insurance carriers, products, features, rates, and performance is obtained from third-party sources including insurance companies, rating agencies, and financial institutions. We do not independently verify all third-party information and cannot guarantee its accuracy or completeness.

4.3 Product Performance and Returns

IMPORTANT: Past performance does not guarantee future results. Illustrated projections, hypothetical scenarios, historical performance data, and rate examples are for educational purposes only and do not represent guarantees of future performance or returns. Actual results will vary based on numerous factors including market conditions, product features, caps, spreads, participation rates, and individual circumstances.

4.4 Regulatory and Tax Changes

Insurance regulations, tax laws, product features, and market conditions are subject to change without notice. Information that is accurate today may become outdated or inaccurate due to regulatory changes, legislative modifications, or market developments.

4.5 No Tax or Legal Advice

We do not provide tax advice or legal advice. Tax treatment of annuities, including qualified and non-qualified annuities, depends on numerous factors specific to your situation. You must consult with qualified tax professionals and attorneys regarding tax implications and legal considerations.

5. User Responsibilities and Prohibited Conduct

5.1 Accurate Information Requirement

You agree to provide accurate, current, and complete information when submitting forms, requests, or communications through this Site. Providing false, misleading, or incomplete information may result in immediate termination of services and could constitute fraud or misrepresentation.

5.2 Prohibited Activities

You agree NOT to:

• Use this Site for any unlawful purpose or in violation of these Terms
• Attempt to gain unauthorized access to any portion of this Site, systems, networks, or data
• Use automated systems, bots, scrapers, or similar data mining tools without authorization
• Copy, reproduce, distribute, or create derivative works from Site content without permission
• Interfere with or disrupt the integrity or performance of this Site or its systems
• Transmit viruses, malware, or other harmful code
• Impersonate any person or entity or falsely represent your affiliation
• Collect or harvest personal information of other users
• Use this Site to send spam, unsolicited communications, or fraudulent messages
• Violate any applicable laws, regulations, or third-party rights

5.3 Account Security

If you create an account or receive login credentials, you are responsible for maintaining the confidentiality of your account information and password. You agree to immediately notify us of any unauthorized use of your account or any other security breach.

5.4 Compliance with Laws

You agree to comply with all applicable local, state, federal, and international laws and regulations in connection with your use of this Site.

6. Intellectual Property Rights

6.1 Ownership of Content

All content on this Site including text, graphics, logos, images, videos, audio clips, digital downloads, data compilations, software, and the overall "look and feel" of the Site is the exclusive property of MyAnnuityBoost.com or its licensors and is protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use this Site solely for your personal, non-commercial use in accordance with these Terms. This license does not include any right to:

• Modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any content, information, or materials obtained from this Site
• Use this Site or its content for any commercial purpose without our prior written consent
• Remove, alter, or obscure any copyright, trademark, or other proprietary notices

6.3 Trademarks

"MyAnnuityBoost.com," "BoostMyAnnuity.com," and associated logos, service marks, and trade names are proprietary trademarks owned by us. Nothing in these Terms grants you any right or license to use these marks without our prior written permission.

6.4 DMCA Compliance

We respect the intellectual property rights of others. If you believe that any content on this Site infringes your copyright, please send a written notice to mark@myannuityboost.com including:

• Identification of the copyrighted work claimed to be infringed
• Identification of the allegedly infringing material and its location on the Site
• Your contact information (address, telephone number, and email)
• A statement that you have a good faith belief that the disputed use is not authorized
• A statement, under penalty of perjury, that the information in your notice is accurate
• Your physical or electronic signature

7. Privacy and Data Protection

7.1 Privacy Policy Incorporation

Our Privacy Policy, available at www.BoostMyAnnuity.com/privacy, is incorporated into these Terms by reference. By using this Site, you consent to our collection, use, disclosure, and protection of your personal information as described in our Privacy Policy.

7.2 Personal Information Collection

We collect personal information you voluntarily provide including name, contact information, financial information, and other data necessary to provide insurance services. We may also collect technical information through cookies and similar technologies as described in our Privacy Policy.

7.3 Data Security

We implement reasonable security measures to protect your personal information from unauthorized access, use, disclosure, alteration, or destruction. However, no electronic transmission or storage system is completely secure. We cannot guarantee absolute security of your information.

7.4 Third-Party Sharing

We may share your personal information with insurance carriers, underwriters, service providers, and other third parties as necessary to provide services, process applications, and comply with legal requirements. All third parties are required to maintain confidentiality and comply with applicable privacy laws.

7.5 State Privacy Rights

Depending on your state of residence, you may have additional privacy rights including rights to access, delete, correct, or opt-out of certain data processing activities. Please review our Privacy Policy for detailed information about your rights.

8. Third-Party Links and Content

8.1 Third-Party Website Links

This Site may contain links to third-party websites, resources, or services that are not owned, controlled, or operated by us. These links are provided solely for your convenience and information.

8.2 No Endorsement or Responsibility

We do not endorse, control, monitor, or assume responsibility for the content, privacy policies, terms of use, practices, or availability of any third-party websites or services. Your use of third-party websites is at your own risk and subject to the terms and privacy policies of those websites.

8.3 Insurance Carrier Information

Information regarding specific insurance carriers, products, and services is provided for educational purposes. We are not responsible for the accuracy, completeness, or currency of information published by insurance carriers or third-party sources.

9. Disclaimers and Limitations of Liability

9.1 "AS IS" and "AS AVAILABLE" Disclaimer

THIS SITE AND ALL CONTENT, INFORMATION, SERVICES, AND MATERIALS ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

To the fullest extent permitted by law, we disclaim all warranties including:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
• Warranties regarding accuracy, reliability, completeness, timeliness, or availability of information
• Warranties that the Site will be uninterrupted, secure, error-free, or virus-free
• Warranties regarding the results obtained from using this Site

9.2 No Liability for Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING FROM OR RELATED TO YOUR USE OF THIS SITE OR SERVICES INCLUDING:

• Loss of profits, revenue, business opportunities, or anticipated savings
• Loss or corruption of data or information
• Business interruption or loss of goodwill
• Personal injury or property damage
• Reliance on information obtained from this Site
• Financial losses resulting from investment or insurance decisions
• Unauthorized access to or alteration of your transmissions or data
• Statements or conduct of any third party
• Any other matter relating to this Site or services

This limitation applies regardless of the legal theory upon which the claim is based (contract, tort, negligence, strict liability, or otherwise) and even if we have been advised of the possibility of such damages.

9.3 Limitation on Aggregate Liability

If, notwithstanding the foregoing limitations, we are found liable for any damages or losses, our total aggregate liability shall not exceed the greater of: (a) $100.00, or (b) the amount of fees you paid to us in the six months preceding the claim, if any.

9.4 State Law Variations

Some states do not allow the exclusion or limitation of certain warranties or damages. In such jurisdictions, some of the above limitations may not apply to you, but they shall apply to the maximum extent permitted by applicable law.

10. Technical Issues and Service Interruptions

10.1 No Guarantee of Availability

We do not guarantee that this Site will be available, accessible, uninterrupted, timely, secure, error-free, or virus-free at all times. We reserve the right to suspend, modify, or discontinue any aspect of this Site at any time without notice or liability.

10.2 Maintenance and Upgrades

We may perform scheduled or emergency maintenance, updates, or upgrades that temporarily restrict or prevent access to this Site. We are not liable for any inconvenience, loss, or damages resulting from such interruptions.

10.3 Technology Requirements

You are responsible for obtaining and maintaining all hardware, software, internet connectivity, and other technology necessary to access and use this Site. We are not responsible for any technical issues or limitations arising from your equipment, software, or internet service.

11. Financial Projections and Hypothetical Scenarios

11.1 Educational Nature of Projections

Any financial projections, hypothetical scenarios, illustrations, rate examples, performance calculations, or return estimates provided on this Site are for educational and illustrative purposes only. They do not represent actual results, guaranteed returns, or promises of future performance.

11.2 Variable Factors and Assumptions

Projections are based on numerous assumptions including interest rates, market indices, caps, spreads, participation rates, fees, and other factors that will vary in actual products. Actual results will differ, potentially materially, from any projections or illustrations provided.

11.3 Market Risk Disclosure

While fixed index annuities offer protection against market downturns, they are subject to caps, spreads, and participation rates that limit upside potential. Historical index performance does not guarantee future results. You should carefully review all product documentation and consult with qualified professionals.

12. Insurance Carrier Relationships

12.1 Independent Agent Status

We may act as independent insurance agents representing multiple insurance carriers. We are not employees or exclusive agents of any single insurance company unless specifically disclosed.

12.2 Carrier Responsibility

Insurance carriers are solely responsible for the performance, payment of benefits, financial stability, and fulfillment of all obligations under their insurance contracts. We are not liable for any failure or inability of insurance carriers to fulfill their contractual obligations.

12.3 Carrier Financial Strength

While we may provide information regarding insurance carrier financial strength ratings from agencies such as A.M. Best, Moody's, Standard & Poor's, and Fitch, these ratings are subject to change and do not guarantee future financial performance or the ability to pay claims.

12.4 Compensation Disclosure

We may receive compensation from insurance carriers in the form of commissions, bonuses, or other payments when you purchase insurance products. This compensation does not increase the cost of products to you. Specific compensation arrangements are available upon request and as required by state regulations.

13. Consumer Protections and Rights

13.1 Free Look Periods

Most fixed index annuities include a "free look" period (typically 10-30 days depending on state law) during which you can cancel the contract and receive a full refund of premiums paid. Specific free look provisions are detailed in your annuity contract.

13.2 Right to Cancel

You have the right to cancel insurance applications or contracts in accordance with applicable state laws and contract provisions. Cancellation procedures, timeframes, and potential consequences are specified in your contract documents.

13.3 State Insurance Department Resources

Your state insurance department provides consumer protection services, complaint resolution, and regulatory oversight. Contact information for all state insurance departments is available through the National Association of Insurance Commissioners (NAIC) at www.naic.org.

13.4 Filing Complaints

If you have concerns or complaints regarding our services or conduct, you may file complaints with your state insurance department. Instructions for filing complaints are provided in Section 18 of these Terms.

14. Surrender Charges and Withdrawal Restrictions

14.1 Surrender Charge Periods

Fixed index annuities typically include surrender charge periods (commonly 5-15 years) during which early withdrawals above penalty-free amounts are subject to surrender charges. Surrender charges decrease over time and are eliminated after the surrender charge period expires.

14.2 Penalty-Free Withdrawals

Most contracts allow annual penalty-free withdrawals of a specified percentage (commonly 10% of accumulated value). Withdrawals exceeding penalty-free amounts are subject to surrender charges. Required Minimum Distributions (RMDs) from qualified annuities are typically exempt from surrender charges.

14.3 Tax Implications of Withdrawals

Withdrawals from annuities before age 59½ may be subject to a 10% federal tax penalty in addition to ordinary income taxes. Tax treatment varies for qualified versus non-qualified annuities. You must consult with qualified tax professionals regarding tax implications.

15. Beneficiary Designations and Death Benefits

15.1 Beneficiary Designation Importance

Fixed index annuities allow you to designate beneficiaries who will receive death benefits upon your passing. Accurate and current beneficiary designations are crucial for ensuring your assets transfer according to your wishes.

15.2 Updating Beneficiaries

You should review and update beneficiary designations regularly, particularly after major life events including marriage, divorce, birth or adoption of children, or death of a beneficiary. Beneficiary changes must be made directly with the insurance carrier.

15.3 Death Benefit Options

Death benefit payout options and tax treatment vary depending on beneficiary type (spouse versus non-spouse) and beneficiary elections. Beneficiaries should consult with qualified tax and legal professionals regarding options and implications.

16. Required Minimum Distributions (RMDs)

16.1 RMD Obligations

If your fixed index annuity is held within a qualified retirement account (IRA, 401(k), etc.), you are required to begin taking Required Minimum Distributions (RMDs) starting at age 73 (as of 2023 SECURE 2.0 Act provisions, subject to change).

16.2 RMD Calculations

RMD amounts are calculated based on IRS life expectancy tables and account values. Failure to take required distributions results in substantial IRS penalties (50% of the amount that should have been distributed). You should consult with qualified tax professionals regarding RMD obligations.

17. Indemnification

17.1 Your Indemnification Obligation

You agree to indemnify, defend, and hold harmless MyAnnuityBoost.com, its owners, officers, directors, employees, agents, affiliates, licensors, and service providers (collectively, "Indemnified Parties") from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from or related to:

• Your use or misuse of this Site or services
• Your violation of these Terms or any applicable laws or regulations
• Your violation of any rights of third parties including intellectual property rights or privacy rights
• Information or content you submit, post, or transmit through this Site
• Your negligence, willful misconduct, or fraudulent activities
• Claims arising from financial or insurance decisions you make based on information obtained from this Site

17.2 Defense and Settlement

We reserve the right to assume exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate with our defense of such claims.

17.3 Cooperation

You will cooperate fully in defense of any indemnified claims including providing information, testimony, documents, and other assistance reasonably requested.

17.4 Survival

Indemnification obligations survive termination or expiration of these Terms and continue indefinitely.

18. Insurance Regulatory Compliance and Complaint Procedures

18.1 Regulatory Oversight and Department Contact

As licensed insurance professionals, we are subject to comprehensive regulation and oversight by state insurance departments. Contact information for all state insurance departments is available through the National Association of Insurance Commissioners (NAIC) at www.naic.org.

18.2 Our Internal Complaint Handling Procedures

18.3 State Insurance Department Complaints

If you are dissatisfied with our internal complaint resolution, you have the right to file complaints with your state insurance department at any time.

18.4 NAIC Complaint Database

The National Association of Insurance Commissioners (NAIC) maintains the Consumer Information Source database at www.naic.org.

18.5 No Retaliation Policy

We do not retaliate against individuals who file complaints with us or with insurance regulatory authorities.

19. Modification of Terms

19.1 Right to Modify

We reserve the right to modify, amend, or update these Terms at any time in our sole discretion without prior notice to you.

19.2 Notice of Changes

When we modify these Terms, we will update the "Last Updated" date and post the revised Terms on this Site.

19.3 Acceptance of Modifications

Your continued use of this Site or services after modifications are posted constitutes your binding acceptance of modified Terms.

20. Modification, Suspension, or Termination of Services

20.1 Our Rights to Modify Services

We reserve the absolute right to modify, suspend, discontinue, or terminate any aspect of this Site or services at any time without prior notice and without liability to you.

20.2 Circumstances Warranting Termination

We may terminate your access to services immediately if you violate any provision of these Terms, provide false information, or use services for unauthorized purposes.

20.3 Effects of Termination

Upon termination, your right to access this Site and use services ceases immediately. Since our services are provided free of charge, termination does not entitle you to any refunds, compensation, or damages.

21. Force Majeure

21.1 Excused Performance

We shall not be liable for any delay, failure, or interruption of Site availability or services resulting from causes beyond our reasonable control including natural disasters, power outages, internet failures, cyberattacks, government actions, or war and civil unrest.

21.2 Suspension of Obligations

During Force Majeure Events, our performance obligations are suspended to the extent affected by such events.

22. Governing Law and Jurisdiction

22.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Oregon, without regard to its conflict of law principles.

22.2 Exclusive Jurisdiction and Venue

Any legal action arising out of these Terms shall be brought exclusively in the state or federal courts located in Clackamas County, Oregon.

23. Dispute Resolution and Arbitration

23.1 Informal Dispute Resolution Requirement

Before filing any legal action against us, you must first attempt to resolve the dispute informally by contacting us in writing at mark@myannuityboost.com.

23.2 Class Action Waiver

You agree that any claims against us shall be brought and resolved on an individual basis only and not as part of any class action.

23.3 Limitation on Actions

Any claim must be filed within one (1) year after the cause of action accrues.

24. Severability and Enforceability

If any provision of these Terms is found invalid or unenforceable, such provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its intent, or severed if modification is not possible, and the remaining provisions shall continue in full force.

25. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and MyAnnuityBoost.com regarding your use of this Site and services and supersede all prior agreements, communications, representations, or understandings.

26. No Waiver

Our failure or delay in exercising any right under these Terms does not constitute a waiver of such right. Waivers must be in writing and signed by authorized representatives of MyAnnuityBoost.com to be effective.

27. Contact Information

28. Effective Date and Acceptance

Effective Date: These Terms of Service become effective as of October 28, 2025 and apply to all users accessing or using this Site or services on or after such date.

Binding Agreement: By clicking "I Agree," checking acceptance boxes, submitting forms, or otherwise using this Site or services, you acknowledge that you have read, understood, and agree to be legally bound by these Terms of Service and our Privacy Policy.

Legal Capacity: You represent that you possess legal capacity to enter into these Terms and that your agreement is not subject to revocation based on legal incapacity.