Privacy Policy

About AnnuitiesHQ

AnnuitiesHQ.com is a Canadian-owned financial information and lead-generation website operated from Toronto, Ontario. We provide educational content about annuity products and connect consumers with licensed insurance and financial advisors. We do not sell or underwrite insurance products directly.

Information We Collect

We collect information in two ways: information you provide voluntarily, and information collected automatically.

Information you provide voluntarily:

• Name, email address, phone number, and province or state when submitting a rate request or contact form
• Investment amount and retirement goals when using our advisor match service
• Messages submitted through our contact forms

Information collected automatically:

• IP address and general geographic location
• Browser type, device type, and operating system
• Pages viewed, time spent on page, and referring URLs
• Cookies and similar tracking technologies

How We Use Your Information

We use the information we collect to:

• Respond to your inquiries and service requests
• Match you with qualified advisors in our network
• Send you information you have requested
• Improve our content and user experience
• Analyze traffic patterns and site performance
• Comply with applicable legal obligations

We do not sell personal information.

Cookies and Tracking Technologies

We use the following categories of cookies on this site:

• Essential cookies — required for the site to function correctly and cannot be disabled
• Analytics cookies — used to analyze traffic and improve site performance (e.g. Google Analytics, with IP anonymization enabled)
• Marketing cookies — set by our advertising partners for display and remarketing purposes

You can control cookie preferences through your browser settings. Please note that disabling certain cookies may affect the functionality of this site.

Third-Party Services

We use the following third-party services to operate this site. Each service operates under its own privacy policy.

• GoHighLevel — our website platform and CRM
• Google Analytics — traffic analysis and performance reporting
• Google Fonts — typography rendering (no personal data is collected or transmitted)
• Advertising platforms — display advertising and remarketing

Data Sharing and Disclosure

We share your personal information only in the following circumstances:

• With licensed advisors in our network when you explicitly request an advisor match
• With service providers who assist us in operating this site, under confidentiality obligations
• When required by law, regulation, or legal process
• To protect the rights, property, or safety of AnnuitiesHQ, our users, or the public

We do not sell, rent, or trade your personal information to third parties for their own marketing purposes.

Data Retention

Personal information submitted through contact and advisor match forms is retained for up to two years, unless you request earlier deletion. Anonymized analytics data may be retained indefinitely.

Your Rights

Depending on your jurisdiction, you may have the right to access, correct, or delete your personal information, withdraw consent to processing, or lodge a complaint with a supervisory authority.

• Canadian residents — your rights are governed by PIPEDA and applicable provincial privacy legislation
• US residents — your rights may be governed by applicable state privacy laws

To exercise any of these rights, please contact us using the information below.

Data Security

We use industry-standard security measures to protect your personal information, including HTTPS encryption, access controls, and data minimization practices. However, no method of internet transmission is 100% secure, and we cannot guarantee absolute security.

Children's Privacy

This site is intended for adults 18 years of age and older. We do not knowingly collect personal information from children under the age of 13. If you believe we have inadvertently collected such information, please contact us and we will delete it promptly.

Changes to This Policy

We may update this Privacy Policy from time to time. The "Last updated" date at the top of this page reflects the most recent revision. Your continued use of this site following any changes constitutes your acceptance of the updated policy.

Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please reach out to us.