Annuities Pilot

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By subscribing to or visiting the Annuities Pilot website, you are agreeing to abide by the following legal disclaimer:

TERMS OF USE

WELCOME TO AnnuitiesPilot.com. PLEASE READ THESE TERMS OF USE CAREFULLY BECAUSE THEY DESCRIBE YOUR RIGHTS AND RESPONSIBILITIES AND CONSTITUTE A LEGALLY BINDING AGREEMENT BETWEEN YOU AND ANNUITIES PILOT, LLC REGARDING YOUR USE OF OUR AnnuitiesPilot.com WEBSITE.

These are official terms and conditions ("Terms of Use") and form a legally binding agreement between you and ANNUITIES PILOT, LLC ("ANNUITIES PILOT, LLC", "we", "us", or "our") regarding your use of the AnnuitiesPilot.com Internet website located at http://www.AnnuitiesPilot.com, as well as the associated web pages, features and functions made available by ANNUITIES PILOT, LLC (individually and collectively, the "AnnuitiesPilot.com website").

YOU AGREE TO READ THESE TERMS OF USE CAREFULLY EACH TIME YOU ACCESS THE AnnuitiesPilot.com website. The AnnuitiesPilot.com website is offered and made available only to users 18 years of age or older or have reached the age of majority in the jurisdiction in which you live or reside. If you are not yet 18 years old or not have reached the age of majority in the jurisdiction in which you live or reside, you must have a parent or guardian's permission to view the AnnuitiesPilot.com website. Moreover, if your use of the AnnuitiesPilot.com website is prohibited or restricted in any way by the laws, regulations or other governmental requirements of the jurisdiction in which you live or reside, or if, for any reason and at any time, you do not agree with all of the terms and conditions contained in these Terms of Use, please discontinue using the AnnuitiesPilot.com website immediately. BY ACCESSING THE AnnuitiesPilot.com website: (I) YOU CERTIFY THAT YOU ARE AT LEAST 18 YEARS OF AGE OR HAVE REACHED THE AGE OF MAJORITY IN THE JURISDICTION IN WHICH YOU LIVE OR RESIDE OR HAVE A PARENT'S OR GUARDIAN'S PERMISSION TO ACCESS THE AnnuitiesPilot.com website AND (II) YOU UNDERSTAND, ACKNOWLEDGE AND AGREE TO BE BOUND BY THESE TERMS OF USE. YOUR REMEDY FOR DISSATISFACTION WITH THE AnnuitiesPilot.com website, OR ANY SERVICES, CONTENT OR OTHER INFORMATION AVAILABLE ON OR THROUGH THE AnnuitiesPilot.com website, IS TO STOP USING THE AnnuitiesPilot.com website AND/OR THOSE PARTICULAR SERVICES OR CONTENT. YOUR AGREEMENT WITH US REGARDING COMPLIANCE WITH THESE TERMS OF USE BECOMES EFFECTIVE IMMEDIATELY UPON COMMENCEMENT OF YOUR ACCESSING THE AnnuitiesPilot.com website.

When we use the term "Agreement" we mean and are referring to these Terms of Use, as well as any additional terms and conditions that apply to and govern your use of the features, functions and services we make available to you from time to time through the AnnuitiesPilot.com website. These Terms of Use and our use of the term "Agreement" also includes our Privacy Policy that can be accessed through a link on the AnnuitiesPilot.com website's home page. The Privacy Policy is hereby incorporated into our Agreement with you by this reference and this Agreement will remain in full force and effect as long as you access and use the AnnuitiesPilot.com website, even if your use of or participation in any particular service, feature, or function terminates, expires, ceases, is suspended or deactivated for any reason.

The words "use" or "using" in this Agreement, means any time an individual (a "user"), directly or indirectly, with or without the aid of a machine or device, does or attempts to access, interact with, use, display, view, print or copy from the AnnuitiesPilot.com website, receive data from the AnnuitiesPilot.com website, or in any way utilizes, benefits, takes advantage of or interacts with any function, service or feature of the AnnuitiesPilot.com website, for any purpose whatsoever. This Agreement does not cover your rights or responsibilities with respect to third party content or any links on the AnnuitiesPilot.com website that may direct your browser or your Internet connection to third party web sites or web pages.

Modifications

These Terms of Use are effective as of January 1, 2004. We reserve the right, at any time and from time to time, for any reason in our sole discretion, to change the terms of this Agreement without any liability or obligation to you, with or without notice. We may post or display notices of material changes on the AnnuitiesPilot.com website. Once we post them on the AnnuitiesPilot.com website, these changes become effective immediately and if you use the AnnuitiesPilot.com website after they become effective, then it will signify your agreement to be bound by the changes. You acknowledge and agree that it is your responsibility to review the AnnuitiesPilot.com website and these Terms of Use periodically and to be aware of any modifications or revisions. You should check back frequently and review the terms and conditions of this Agreement regularly so you are aware of the most current rights and obligations that apply to you and the terms and conditions of your agreement with us.

Ownership and Proprietary Rights

The AnnuitiesPilot.com website, including all content, media and materials, all software, code, design, text, images, photographs, illustrations, audio and video material, media files, artwork, graphic material, articles, databases, proprietary information, writings, spoken statements, music, video recordings, audio-visual works and recordings, slides, portraits, animated and/or motion pictures, caricatures, likenesses, vocal or other sounds, sound recordings, voices, voice reproductions, computer graphics and visual effects, as well as any accompanying documentation, packaging or other materials, tangible or intangible, and all copyrightable or otherwise legally protectable elements of the AnnuitiesPilot.com website, including, without limitation, the selection, sequence and 'look and feel' and arrangement of items, and all derivative works, translations, adaptations or variations of same, regardless of the medium, broadcast medium, format or form, now known or hereinafter developed or discovered, and regardless of where produced, on location, in a studio or elsewhere, in black-and-white or in colors, alone or in conjunction with other works, characters, real or imaginary, in any part of the world (all of the foregoing, individually and/or collectively, is referred to herein as "Content"), are the property of ANNUITIES PILOT, LLC and/or its affiliates, and their authorized advertisers, licensors, suppliers, service providers, promotional partners and/or sponsors. All Content on the AnnuitiesPilot.com website is legally protected, without limitation, under U.S. Federal and State, as well as applicable foreign laws, regulations and treaties. As such, you should assume that all Content contained in the AnnuitiesPilot.com website is either the copyrighted property of ANNUITIES PILOT, LLC, unless otherwise noted, or are the copyrighted property of third parties.

The brands, names, logos, trade names, trademarks, service marks and other distinctive identifications (collectively "Marks") on or of the AnnuitiesPilot.com website, including, without limitation, "ANNUITIES PILOT" and or stylized AnnuitiesPilot.com logo are the trademarks and intellectual property of and proprietary to ANNUITIES PILOT, LLC. You have no right to use any of these Marks or any confusingly similar marks for any purpose without the express prior written consent of ANNUITIES PILOT, LLC.

License and Site Access

ANNUITIES PILOT, LLC authorizes you to access Content and grants you the limited right and license to use the AnnuitiesPilot.com website solely for your non-commercial, non-exclusive, non-assignable, non-sublicensable, non-transferable and limited personal use and for no other purpose whatsoever. You may download one single hard copy of Content displayed on the AnnuitiesPilot.com website for non-commercial, personal use only. You must not alter, delete or conceal any copyright or other legal notices contained on the AnnuitiesPilot.com website, including notices on any Content you display, print or reproduce from the AnnuitiesPilot.com website. Unless we explicitly and specifically notify you otherwise in writing, you shall not, nor will you allow any third party (whether or not for your benefit) to reproduce, modify, create derivative works from, display, perform, publish, distribute, sell, upload, transmit, disseminate, broadcast or circulate to any third party (including, without limitation, on or via a third party Web site) or otherwise use, any Content without the express prior written consent of ANNUITIES PILOT, LLC.

This license does not include any resale or commercial use of the AnnuitiesPilot.com website or its Content; any collection and use of any product listings, descriptions, or prices; any derivative use of the AnnuitiesPilot.com website or its Content; any downloading or copying of membership information for the benefit of another merchant; or any use of data mining, Web scraper, spider, robots, or similar data gathering and extraction tools. The AnnuitiesPilot.com website or any portion of this site may not be reproduced, duplicated, copied, sold, resold, or otherwise exploited for any commercial purpose without express written consent of ANNUITIES PILOT, LLC. You may not frame or utilize framing techniques to enclose any Marks or Content (including page layout, or form) on the AnnuitiesPilot.com website without our express written consent. You may not use any meta tags or any other "hidden text" utilizing ANNUITIES PILOT, LLC's Marks without our express written consent. Any unauthorized use terminates the permission or license granted by ANNUITIES PILOT, LLC.

As an express condition of your use of the AnnuitiesPilot.com website, you warrant to us that you will not use the AnnuitiesPilot.com website for any unlawful purpose or purpose prohibited by this Agreement or the laws or regulations in the jurisdiction in which you live or reside. Any unauthorized or prohibited use of any Content, including use in contravention of this Agreement, may subject you to civil liability, criminal prosecution, or both. If you violate any part of this Agreement, your permission to use the Content automatically terminates and you must immediately destroy any copies you have made of any of the Content. ANNUITIES PILOT, LLC makes no representation that any Content is legal or appropriate for use outside of the United States of America or that it is authorized for export from the United States of America or for import into any foreign country. You are solely responsible for complying with all import and export laws and regulations and all applicable laws of any jurisdiction inside and outside of the United States of America from which you may access the AnnuitiesPilot.com website.

Notice and Procedure for Making Claims of Copyright Infringement

We respect the intellectual property of others, and we ask you to do the same. Accordingly, ANNUITIES PILOT, LLC has adopted the following Intellectual Property Compliance Policy. If you or any user of the AnnuitiesPilot.com website believes its copyright, trademark, or other property rights ("IP Rights") have been infringed, the IP Rights owner ("Complaining Party") should send notification to our Designated Agent (as identified below) immediately. To be effective, the notification must include: a.) A physical or electronic signature of the Complaining Party or such person authorized to act on behalf of the Complaining Party;
b.) Identification of the IP Rights claimed to have been infringed;
c.) Information reasonably sufficient to permit us to contact the Complaining Party or such person authorized to act on behalf of the Complaining Party, such as address, telephone number and, if available, an electronic mail address at which the Complaining Party may be contacted;
d.) Identification of the material that is claimed to be infringing or to be subject to infringing activity on the Complaining Party's IP Rights that is to be removed and information reasonably sufficient to permit us to locate such materials;
e.) A statement that the Complaining Party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, agent, or by law;
and f.) A statement that the information in the notification is accurate and, under penalty of perjury, the Complaining Party or such person authorized to act on behalf of the Complaining Party is the owner of an exclusive IP Right that is allegedly infringed.

Pursuant to the Digital Millennium Copyright Act, 17 U.S.C. § 512(c) ("DMCA"), our Designated Agent for notice of claims of IP Rights infringement can be reached as indicated below.

Designated Agent for Claimed Infringement:

Eric J. von Vorys
SHULMAN, ROGERS, GANDAL, PORDY & ECKER, P.A.
12505 PARK POTOMAC AVENUE, 6TH FLOOR, POTOMAC, MD 20854
Phone: 301.230.2891
This email address is being protected from spambots. You need JavaScript enabled to view it.

On notice, we will act expeditiously to review and if necessary to remove content on the AnnuitiesPilot.com website that infringes the copyright rights of others and will disable the access to the AnnuitiesPilot.com website and its services of anyone who uses them to infringe repeatedly the intellectual property rights of others. Any such removal will be without liability to you or any other party and that the claims of the Complaining Party will be referred to the United States Copyright Office for adjudication as provided in the DMCA. We take protection of copyrights, both our own and others, very seriously.

Liability

Annuities Pilot and AnnuitiesPilot.com (website), published by Annuities Pilot, LLC, (AP) is a private issuer of commercial investment advisory services for educational purposes only. Annuities Pilot, LLC is not associated in any way with any insurance company or any issuer of variable annuities, nor has it received any special endorsement from any insurance company or variable annuity issuer. Annuities Pilot, LLC, is neither a registered Investment Advisor nor a Broker/Dealer. As a publisher of a financial newsletter of general circulation, Annuities Pilot, LLC, cannot tender individual investment advice. Subscribers are urged to consult with their own independent financial advisers with respect to any investment. All information contained in this report and website should be independently verified. Annuities Pilot, LLC, principals may have their own retirement plan accounts, but will not front-run recommendations. Annuities Pilot, LLC, shall have no liability whatsoever for any claim, damages, loss or expense arising out of or in connection with the reliance by you on the contents of the Annuities Pilot web site, any promotion or any advisory update.

All Annuities Pilot documents and publications are prepared for informational and educational purposes only and are not solicitations, or offers to buy or sell any security. We also do not provide individual investment advice or managed accounts. Results and opinions are based on extensive back testing, historical research and data believed reliable, however, Annuities Pilot, LLC, makes no warranty, express or implied, including the warranties of merchantability and fitness for a particular purpose, and assumes no legal liability or responsibility for the accuracy, completeness, timeliness, appropriateness or usefulness of any information, product, or process described or depicted in its documents and publication material. In addition, we undertake no obligation to update such opinions, analysis or information. Owners, employees and writers may have long or short positions in the securities that are discussed.

There is no guarantee that future investment results will be profitable. Since Annuities Pilot, LLC, does not manage actual money, performance results are therefore hypothetical by definition. No representation is made that any account will or is likely to achieve profits or losses similar to those shown on the website. Also, since the trades have not actually been executed, the results may have under- or over-compensated for the impact, if any, of certain market factors, such as any delay in the implementation of requested retirement plan portfolio changes by the retirement plan administrators. Annuities Pilot, LLC, and its employees make no representations or guarantees and are not licensed brokers, securities analysts, or registered investment advisers.

Email Policy

Annuities Pilot subscribers will be sent email alerts from a third party listserv vendor when investment rankings are released, portfolio allocation changes are made and when market commentaries are updated. However, because of the inherent unreliability of the email protocol itself, the blocking of third party sending servers and the performance of local POP email filters, Annuities Pilot cannot and will not be held liable for the successful delivery of email alerts. Subscribers need to advise of any suspicion of blocked email so that a complaint can be filed with the particular listserv contractor for possible resolution. Annuities Pilot will be glad to add one or more alternate email addresses to the alerts listserv for current subscribers. Send such requests to This email address is being protected from spambots. You need JavaScript enabled to view it. . Annuities Pilot, LLC, suggests that subscribers visit the Current Rankings Page monthly to assure staying abreast of changes in rankings, allocation recommendations and market commentary updates whether an email update is received or not.

Annuities Pilot, LLC, will send targeted email promotions only to those who are very likely to either have an account in, or have an abiding or vested interest in, 403(b), 457(b), 401k or IRA plans. Such individuals will either be currently employed or retired. It is not Annuities Pilot, LLC's, intention to send promotional email notices to broader audiences who may have no level of participation or interest in retirement plans. Annuities Pilot, LLC, believes the information it provides to be of significant interest and value to this target audience--a specific audience it has spent considerable time and effort to identify. However, to be removed from future Annuities Pilot, LLC, mailings simply send a blank email message to This email address is being protected from spambots. You need JavaScript enabled to view it. . Please be sure to send from the email address you want removed from the listserv. Annuities Pilot will be more than glad to accommodate your request within 10 business days.

External Links

The AnnuitiesPilot.com website contains links to other websites. These links include information developed, published, maintained, or otherwise posted by entities entirely separate from and unrelated to Annuities Pilot, LLC. Annuities Pilot does not sanction, approve, control, attest to the veracity of, or endorse materials on these external websites. It neither warranties nor assumes responsibility for the truthfulness, fullness, value, or timeliness, of content found at these sites. Use of any information obtained from these independent locations is voluntary, and reliance on it should only be undertaken after an independent review of its accuracy, completeness, efficacy, and timeliness. Reference therein to any specific commercial product, process, or service by trade name, trademark, service mark, manufacturer, or otherwise does not constitute or imply endorsement, recommendation, or favoring by Annuities Pilot, LLC.

Privacy Policy

Annuities Pilot has absolutely no interest in acquiring a subscriber's personal retirement plan information or in gaining access to a subscriber's personal retirement account information or details. That is entirely a private matter. Annuities Pilot simply provides subscribers with its current retirement plan ranking recommendations for possible roll-ups to higher performing funds and/or annuity subaccounts. Subscribers can then use those recommendations to switch investments themselves by visiting their own account on their own retirement plan website.

If you visit our site to read or download information, we collect and store only the following information about you: the name of the domain from which you access the Internet; the date and time you access our site; and the Internet protocol (IP) address of the web site from which you linked directly to our site. We will not obtain personally identifying information about you when you visit our site, unless you voluntarily choose to provide such information to us. Annuities Pilot, LLC, does not give, sell or transfer personal information to third parties, unless under subpoena.

For site management purposes some limited statistical information is collected. Computer software programs are used to create summary statistics about visits to the Annuities Pilot website which are used for such purposes as assessing what information is of most and least interest, determining technical design specifications, and identifying system performance or problem areas.

Use of Website

There are portions of the AnnuitiesPilot.com website that we make available to users in the general public without registering and you may visit and browse those portions without charge or obligation. In order to access and use certain services, features or functions of the AnnuitiesPilot.com website, such as our membership services or Communities (as defined below), we require users to register. As part of the registration process, you will need to select and provide us with a unique user name and choose a password (or we may assign an initial password which we will give you the option to change) which must form a unique combination (a "Username"), and we also request that you provide your e-mail address, and may request that you provide other personally identifiable information as we may require. We may also, from time to time and at any time, provide users with additional codes or passwords necessary to access and use certain services, features or functions of the AnnuitiesPilot.com website. Please read our Privacy Policy, which describes the non-public, personally identifiable information we collect, use, disclose, manage and store. Your Username is personal to you and you may not allow any others to use your User ID under any circumstances. We are not liable for any harm caused or related to the theft or misappropriation or disclosure of all or any portion of your Username, disclosure or your authorization of anyone else to use your Username. You agree to immediately notify us if you become aware of or believe there is or may have been any unauthorized use of (or activity using) your Username or any other need to deactivate your Username due to security concerns.

In order to better provide you with our numerous services, Annuities Pilot, LLC, collects two types of information about our users: Personally Identifiable Information and Non-Personally Identifiable Information. Our primary goal in collecting information from you is to provide you with a smooth, efficient, and customized experience while using the AnnuitiesPilot.com website.

Personally Identifiable Information ("PII"): This refers to information that lets us know the specifics of who you are. When you engage in certain activities on the AnnuitiesPilot.com website, such as registering or posting material, we may ask you to provide certain information about yourself by filling out and submitting an online form. It is completely optional for you to engage in these activities. We may ask, however, that you provide us personal information, such as your first and last name, address, telephone number, e-mail address, and/or other PII. We may also collect information from you at other points on the AnnuitiesPilot.com website that state that such information is being collected. However, this policy is subject to change without notice and we encourage you to periodically check our Policy statement.

In order to most efficiently serve you, credit card transactions are directly handled by established third-party banking and processing agents who receive the information needed to verify and authorize your credit card or other payment information. The information is delivered to them via the online subscription registration form that you submit. AnnuitiesPilot.com does not currently receive any of your credit card information, however, this policy is subject to change.

Unfortunately, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we conscientiously strive to protect your PII, you acknowledge that: (a) there are security and privacy limitations of the Internet that are beyond our control; (b) the security, integrity, and privacy of any and all information and data exchanged between you and us through the AnnuitiesPilot.com website cannot be guaranteed; and (c) it is possible that any such information and data may be viewed or tampered with while in transit by a third party.

When you register with Annuities Pilot, LLC's, online services, we collect your name, email address, and only that other information necessary to service your subscription. You acknowledge that by signing up for, or inquiring about, online services you are also opting in for e-mail announcements or alerts. We will use your email address to send you updates and alerts on AnnuitiesPilot.com site's online services. This helps us keep you informed of our online services and better serve you. You will not receive any electronic or other correspondence from third parties.

Non-Personally Identifiable Information ("Non-PII"): This refers to information that does not by itself identify a specific individual. We may gather certain general information about you based upon where and how you visit the AnnuitiesPilot.com website in several ways. This information may be compiled and analyzed on both an individual and an aggregated basis. This information may include the Uniform Resource Locator ("URL") that you just came from when you visited the AnnuitiesPilot.com site, which URL you next go to, what browser you are using, and/or your Internet Protocol ("IP") address. A URL is the global address of documents and other resources on the World Wide Web ("Web"). An IP address is an identifier for a computer or device on a Transmission Control Protocol/Internet Protocol ("TCP/IP") network, such as the Web. Networks like the Web use the TCP/IP protocol to route information based on the IP address of the destination. In other words, an IP address is a number that is automatically assigned to your computer whenever you are surfing the Web or allowing Web servers to locate and identify your computer. Computers require IP addresses in order for users to communicate on the Internet.

We only use your PII to provide our services to you. We DO NOT share your PII with anyone else. We may use PII to deliver information to you and to contact you regarding administrative notices. We may also use PII to resolve disputes, troubleshoot problems, and enforce our agreements with you. We will also use Non-PII to enhance the smooth operation of the AnnuitiesPilot.com site, improve our marketing and promotional efforts, statistically analyze the AnnuitiesPilot.com site's use, improve our service offerings, and customize the AnnuitiesPilot.com site's content, layout, and services. We DO NOT share your Non-PII with anyone else.

Subscription Conditions and Policy

By providing your credit card information to Annuities Pilot, LLC, you agree that the appropriate subscription charges will be billed to your credit card for the applicable pricing plan you have chosen. As a convenience to subscribers, to assure continuous service, and to control costs for everyone all Annuities Pilot subscriptions are recurring. This is a common practice within the financial services industry. You need not take any action to continue your subscription. To cancel any recurring subscription just drop an email to the address at the bottom of every Pilot web page. The subscription period billing cycle begins on the service purchase date.

While Annuities Pilot, LLC, contracts out most payment operations to third party vendors such as PayPal and 2Checkout.com, most outsourced vendors will notify subscribers via email approximately seven days in advance of a recurring billing date. Such email notifications are the responsibility of each particular payment processing vendor or re-seller. If you were just auto-renewed for another period and want to either extend or cancel that subscription just drop us an email to This email address is being protected from spambots. You need JavaScript enabled to view it. .

Subscriptions should be cancelled before scheduled renewal dates to avoid incurring future recurring credit card charges by sending an email request to This email address is being protected from spambots. You need JavaScript enabled to view it. in advance of the subscription renewal date. Be sure to include your Username and Password in the message when cancelling. PayPal subscribers should cancel via their PayPal accounts directly by logging into their PayPal account and effect the cancellation.

New or renewed subscriptions of six months or longer offer a limited pro-rated money-back guarantee if cancellation is received by Annuities Pilot within the first 30 days of the subscription. Quarterly subscriptions can be cancelled at any time but will not be provided refunds.

As soon as an online cancellation request is received, a subscriber's account will be immediately terminated, and no subsequent charges will be made to the subscriber's credit card. When cancelling subscription in writing via U.S. mail, notice should be sent to the address at the bottom of this page.

If you wish to subscribe for a longer recurrent period you may re-subscribe for the longer chosen term whenever you wish. Just send a short message to This email address is being protected from spambots. You need JavaScript enabled to view it. and ask us to cancel your prior subscription terms after signing up for your new period. Annuities Pilot, LLC will adjust your account accordingly to assure continuous service.

Annuities Pilot, LLC has a zero tolerance policy for fraudulent chargebacks. Anytime a chargeback notice is received from one of our merchant banks or payment processors, Annuities Pilot, LLC, will reserve the right to immediately suspend the subscriber's account until the chargeback request has been formally resolved between Annuities Pilot, LLC, and the appropriate merchant service authority or payment processor. Annuities Pilot, LLC reserves the right to cancel any subscription at time for any reason without financial consequence. Future subscriptions will not be honored from any subscriber previously creating a chargeback.

Illegal Distribution of Advisory Information

Annuities Pilot, LLC has a zero tolerance policy for illegal distribution of copyrighted advisory materials. Only the paid subscriber with a currently active website Username and Password may view and use the information contained within the content of the website's monthly advisory service, rankings and commentaries. Distribution of said materials to others will not be permitted under any circumstance without the express prior written permission of Annuities Pilot, LLC.

Annuities Pilot, LLC, conducts a daily audit of subscriber website access by Username and IP address to discover any infraction of this rule. Repeated or frequent website access under a single Username from multiple IP addresses will flag a special usage audit and will result in the immediate cancellation of that subscriber's subscription without refund. That subscriber will also be refused future paid subscription requests and litigation for damages against the subscriber will then commence.

Subscriber Statement

Subscriber acknowledges that reproduction, distribution and transmission of any information obtained from the Service are strictly prohibited, except with Annuities Pilot's prior written permission.  Subscriber agrees not to share password protected content with any other person, including family members, under any circumstances.  Discovered instances of sharing of Annuities Pilot password protected advisory content will be aggressively prosecuted under the penalties prescribed by Copyright law.  Discovered instances of illegal sharing of password protected Annuities Pilot content will result in the immediate termination of that user's subscription with no refund provided.  Each Subscriber further agrees not to use or permit anyone to use the information provided through the Service for any unlawful or unauthorized purpose. Subscriber represents and warrants to ANNUITIES PILOT that all statements made by Subscriber in using Annuities Pilot service are true, accurate and correct and that Subscriber has the authority to make such statements.

Subscriber shall pay Annuities Pilot all fees incurred in accordance with Annuities Pilot billing terms. Annuities Pilot may, in its sole discretion, change the amount of the subscription fee upon renewal without prior notice to Subscriber. Customer agrees to pay all costs incurred by Annuities Pilot in collecting overdue fees from the subscriber.

Copyright and Duplicates

All of the information on the Annuities Pilot website and in Annuities Pilot documents or publication materials is the express copyright of Annuities Pilot, LLC, and may not be reproduced under any circumstances without the express prior written permission of Annuities Pilot, LLC. Any unauthorized reproduction of the information on this web site, including but not limited to forwarding emails written by Annuities Pilot and any sharing usernames and passwords, will constitute a breach of this copyright agreement, which will result in the immediate termination of that user's subscription with no refund provided. However, a specific non-current advisory (sample back issue), available on the website or via the autoresponder, selected at the option of Annuities Pilot, LLC, may be forwarded or copied at will. Any direct violation of copyright law will be prosecuted by Annuities Pilot, LLC, to the fullest extent of the law. Annuities Pilot and AnnuitiesPilot.com are registered trademarks.

Since, like most investment advisory services, Annuities Pilot, LLC, does not permit the sharing of advisory materials between subscribers and non-subscribers, many subscribers will choose to create one or more duplicate subscriptions under the same or similar name and/or email address for sharing with family members or fellow agency employees. The tracking of any such duplicates created is the responsibility of each individual subscriber. Unless Annuities Pilot, LLC, is notified by the subscriber in writing of the existence of an unwanted duplicate within the first 30 days of the initial subscription, any such duplicate will be assumed to be purposely created and will remain the financial responsibility of the subscriber.

Annuities Pilot reserves the right to terminate subscriptions, to refuse subscription requests or modify these Disclaimer and Disclosure Notices for any reason whatsoever without prior notification and without financial consequence. This Agreement supersedes all other agreements and understandings regarding this subject matter and is governed by Maryland and United States law without regard to conflict of laws or provisions thereof.

 

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Great service. This is, by far, the best service for us 403b'ers locked into these crazy annuities that I have found. Great work!

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Bill K., Atlanta, GA

...See many more testimonials.