Welcome to Annuity Advocates. By using our services, you agree to the following Terms and Conditions.

1. Acceptance of Terms

By accessing or using our services, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, please discontinue use of our services.

2. Services Provided

Annuity Advocates assists individuals in selling their annuity or structured settlement payments. We offer personalized guidance, expert negotiation, and support throughout the transaction process.

3. Eligibility

To use our services, you must be at least 18 years of age and legally capable of entering into a binding contract.

4. Financial Decisions

We provide guidance and recommendations based on the information you provide. However, all financial decisions are ultimately your responsibility. We recommend consulting a financial advisor or legal professional before making any significant financial decisions.

5. Disclaimer of Warranties

Our services are provided “as is” without warranties of any kind, either expressed or implied. We do not guarantee the accuracy or completeness of any information provided by third parties, including potential buyers.

6. Limitation of Liability

Annuity Advocates shall not be liable for any damages, losses, or expenses arising from the use of our services, except to the extent required by applicable law.

7. Termination

We reserve the right to terminate or suspend your access to our services at any time if we believe you have violated these Terms and Conditions or are engaged in illegal activities.

8. Changes to Terms

We may modify these Terms and Conditions at any time. Any changes will be posted on this page, and your continued use of our services after changes have been made constitutes acceptance of the updated terms.

9. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State the AA’s customer is in.

For questions regarding these Terms and Conditions, please contact us at 212-970-0077.

SMS TERMS AND CONDITIONS

By opting in to receive text messages (the “Service”) from Annuity Advocates LLC (“Us”), You agree to these Terms and Conditions (the “Agreement”). This Agreement is not intended to modify other Terms and Conditions or Privacy Policy that may govern the relationship between you and Us in other contexts.

OUR TERMS AND CONDITIONS OF USE REQUIRE YOU TO: (1) RESOLVE DISPUTES WITH US ON AN INDIVIDUAL BASIS AND NOT AS PART OF ANY CLASS OR REPRESENTATIVE ACTION; WAIVE YOUR RIGHT TO A TRIAL BY JURY; AND REQUIRE CLAIMS TO BE RESOLVED THROUGH FINAL AND BINDING ARBITRATION. IF YOU DO NOT AGREE TO OUR TERMS AND CONDITIONS, YOU MAY NOT PARTICIPATE IN THE SERVICE.

1. Provision of Number(s) and Duty to Notify: You verify that the mobile number(s) you provided is/are true and accurate; and you are the current subscriber/owner thereof. Should your contact info or ownership thereof change, you agree to immediately notify Us before the change goes into effect by email to info@annuityadvocates.com (“Our Email”).
2. Consent to Receive Automated Calls/Texts: You acknowledge that by voluntarily providing your telephone number(s), you expressly agree to receive recurring automated or periodic text messages (such as SMS, MMS, or successor protocols or technologies) regarding Our products, services, offers, and transactions, as well as your relationship with Us. Message and Data rates may apply.
3. Opt-Out: The above Consent is completely voluntary, not required to contract with Us, and you may opt-out any time by replying STOP, END, CANCEL or QUIT to any text message from Us, or by request to Our Email, and you agree to accept a final text or email message confirming your opt-out request.
4. Indemnification: You agree to indemnify Us for any privacy, tort or other claims, including claims under the Federal Telephone Consumer Protection Act or any state law equivalents, including claims regarding your voluntary provision of a telephone number not owned by you and/or your failure to notify us of any changes in your mobile telephone number. You agree to indemnify, defend and hold Us harmless from and against any and all such claims, losses, liability, costs and expenses (including reasonable attorneys’ fees).
5. Participation Requirements: By participating in the Service, you acknowledge and agree that you are eighteen (18) years of age or older; you have a wireless device of your own, capable of two-way messaging using a participating wireless carrier; and are a wireless subscriber with text messaging service (not all cellular phone providers participate). Check your phone’s texting capabilities. 6. Miscellaneous: You warrant and represent to Us that you have all necessary rights, power, and authority to agree to these Terms and perform your obligations hereunder, and nothing contained herein or in the performance of such obligations will cause you to breach any other contract or obligation. If any provision herein is found to be unenforceable or invalid, that provision will be limited/eliminated to the minimum extent necessary so this Agreement remains in full force and effect and fully enforceable. We reserve the right to change this Agreement at any time, and updates shall be communicated to you. You acknowledge your responsibility to periodically review this Agreement and be aware of any changes. By continuing to participate in the Service after any such changes, you accept this Agreement, as modified.