The The Life and Annuity Shop, LLC and its related and/or affiliated entities (collectively, “he Life and Annuity Shop”) is committed to protecting your privacy and provides this policy to explain how we use personal information collected on this website. This Privacy Policy applies to the LIFE AND ANNUITY SHOP website and governs data collection and usage. By using the LIFE AND ANNUITY SHOP website, you consent to the data practices described in this policy. Your use of this website and its various web pages constitutes your acceptance and agreement to all terms, conditions, and notices.

This Privacy Policy does not supersede the terms contained in the Legal Notice that governs your use of the LIFE AND ANNUITY SHOP website. In the event of any conflict between the Privacy Policy and Legal Notice, such conflict shall be determined and resolved in favor of the terms, conditions, and notices in the Legal Notice, which is controlling over the Privacy Policy, to the extent allowed by law.

Collection of your Personal Information

LIFE AND ANNUITY SHOP collects only limited personally identifiable information, such as your name and e-mail address. LIFE AND ANNUITY SHOP also may collect anonymous demographic information, which is not unique to you, such as your ZIP code, age, gender, preferences, interests, and favorites.

There is also information about your computer hardware and software that is automatically collected by LIFE AND ANNUITY SHOP This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used by LIFE AND ANNUITY SHOP for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the LIFE AND ANNUITY SHOP website, and at no time do we share any collected information, except as required by law.

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through LIFE AND ANNUITY SHOP public message boards, this information may be collected and used by others. Note: LIFE AND ANNUITY SHOP does not read any of your private online communications.

LIFE AND ANNUITY SHOP encourages you to review the privacy statements or policies of websites you choose to link to from LIFE AND ANNUITY SHOP so that you can understand how those websites collect, use, and share your information. LIFE AND ANNUITY SHOP is not responsible for the privacy statements or policies or other content on websites outside of the LIFE AND ANNUITY SHOP website and does not control the content or privacy policies of such websites or third parties. LIFE AND ANNUITY SHOP has no liability or responsibility for privacy or other issues related to the collection or use of your information by such other sites or third parties.

Use of your Personal Information

LIFE AND ANNUITY SHOP collects and uses your personal information to operate the LIFE AND ANNUITY SHOP website and deliver the services you have requested. LIFE AND ANNUITY SHOP also uses your personally identifiable information to inform you of other products or services available from LIFE AND ANNUITY SHOP and its affiliates. LIFE AND ANNUITY SHOP may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

LIFE AND ANNUITY SHOP keeps track of the websites and pages our customers visit within the LIFE AND ANNUITY SHOP website in order to determine what LIFE AND ANNUITY SHOP services are the most popular. This data is used to deliver customized content and advertising within LIFE AND ANNUITY SHOP to customers whose behavior indicates that they are interested in a particular subject area.

LIFE AND ANNUITY SHOP’S website will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on LIFE AND ANNUITY SHOP or the site; (b) protect and defend the rights or property of LIFE AND ANNUITY SHOP; and (c) act under exigent circumstances to protect the personal safety of users of LIFE AND ANNUITY SHOP, or the public.

Use of Cookies

The LIFE AND ANNUITY SHOP website uses “cookies” to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the web server that you have returned to a specific page. For example, if you personalize ALIFE AND ANNUITY SHOP pages, or register with the LIFE AND ANNUITY SHOP site or services, a cookie helps LIFE AND ANNUITY SHOP to recall your specific information on subsequent visits. This simplifies the process of recording your personal information. When you return to the same LIFE AND ANNUITY SHOP website, the information you previously provided can be retrieved, so you can easily use the LIFE AND ANNUITY SHOP features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the ALIFE AND ANNUITY SHOP services or websites you visit.

Security of your Personal Information

LIFE AND ANNUITY SHOP secures your personal information from unauthorized access, use, or disclosure. LIFE AND ANNUITY SHOP secures the personally identifiable information you provide in a controlled, secure environment, protected from unauthorized access, use, or disclosure.

Changes to this Policy

LIFE AND ANNUITY SHOP will occasionally update or modify this Privacy Policy to reflect feedback we receive. LIFE AND ANNUITY SHOP may change its Privacy Policy at any time without notice at our sole discretion. LIFE AND ANNUITY SHOP encourages you to review this Privacy Policy each time you visit this website to look for any changes to the Privacy Policy prior to your use of the LIFE AND ANNUITY SHOP website.

Contact Information

If you have questions or concerns about our Privacy Policy, please contact us. LIFE AND ANNUITY SHOP welcomes your comments regarding this Privacy Policy. We will use commercially reasonable efforts to evaluate the concern.