Effective and last updated: September 16, 2026
This Privacy Policy explains how AdvisorWorld.com Inc. (“AdvisorWorld,” “we,” “us,” or “our”), which operates AnnuityRatesHQ, collects, uses, discloses, retains, and protects information when you use AnnuityRatesHQ.com, its forms and communications, or the AnnuityRatesHQ Research app and Model Context Protocol server (the “Research App”).
Information we collect
| Category | Examples | How we receive it |
|---|---|---|
| Research App requests | ExamplesThe tool selected; product, carrier, rider, index, or rate-change search terms; canonical AnnuityRatesHQ URLs; U.S. state; issue age and optional comparison or income-start ages; premium and optional income target; product type, guarantee terms, timeline, rating floor, sorting, carrier-concentration and alternative-count preferences; rate-change lookback period, direction and minimum magnitude; index-series keys; legacy goal; result limits; pagination cursor; and advisor-handoff goal. | How we receive itYour AI platform sends only the structured arguments needed for the Research App tool you or the platform invokes. Data-health and methodology requests have no user-supplied arguments. |
| Research App results | ExamplesPublic annuity product, carrier, rate, rating, availability, rate-change, and index facts; factual comparisons; ladder or income-and-legacy scenario calculations; data freshness, source context, sample size, citations and canonical links; methodology, limitations, availability status, and error status; or an attributed continuation link and selected handoff goal when that optional tool is explicitly requested. | How we receive itGenerated from AnnuityRatesHQ records and the scenario values in the request, then returned to your AI platform. |
| Research App operational data | ExamplesTool name, access tier, whether optional search criteria were present, requested result count, number of products or terms requested, response status, result count, error class, processing time, contract version, and event time. We do not put free-text queries, canonical URLs, contact details, IP addresses, conversation text, exact state, age, or premium into Research App analytics. | How we receive itCreated automatically when a Research App tool runs. |
| Website and device data | ExamplesIP address, browser and device type, operating system, language, referring page, pages viewed, approximate location derived from IP, cookie or similar identifiers, ad and campaign identifiers, and interaction and performance events. | How we receive itCollected through server logs, cookies, pixels, and analytics or advertising technologies when you visit the site. |
| Inquiry and lead information | ExamplesName, email, telephone number, ZIP or state, age, gender when requested, annuity type, investment range or amount, retirement timing, income goals, product preferences, and the page, campaign, consent language, and time connected with your request. | How we receive itProvided by you when you submit a report, quote, contact, advisor-match, or similar form. |
| Communications and compliance records | ExamplesEmails, support and privacy requests, SMS messages and opt-outs, call notes or recordings where disclosed, consent records, and do-not-contact or suppression records. | How we receive itCreated when you communicate with us or exercise a choice. |
The Research App does not require an AnnuityRatesHQ account and its tool schemas do not accept a name, email address, telephone number, street address, payment-card information, government identifier, health information, account password, or authentication token. Do not place those items or other sensitive personal information in a Research App search field. The optional advisor-handoff tool returns a link; it does not create a lead or transfer your conversation or contact details. Information you later choose to submit on AnnuityRatesHQ is governed by the website-form portions of this Policy.
How we use information
- Answer Research App requests, apply requested eligibility filters, calculate educational scenarios, provide citations, and return current public research results.
- Operate, secure, troubleshoot, test, and improve the website and Research App; measure aggregate tool reliability and usefulness; and prevent fraud or abuse.
- Provide reports or other services you request, respond to support and privacy inquiries, and maintain your settings and choices.
- When you separately submit a website form and consent, match or refer your inquiry to a licensed insurance professional and communicate about that request.
- Measure site and campaign performance, personalize site content, and advertise our services, subject to available cookie and privacy controls. Research App arguments and results are not used for cross-context behavioral advertising.
- Comply with law, enforce our terms, establish or defend legal claims, and document consent and opt-out requests.
Research App results are educational research, not a quote, carrier illustration, financial advice, or a suitability decision. We do not use Research App inputs to make automated decisions about your access to insurance, credit, employment, housing, or another legally significant service.
Who receives information
We disclose information only as described below and limit it to what the recipient needs:
- Your AI platform provider. The provider (for example, OpenAI) sends Research App tool arguments and receives the tool result. Its handling of your conversation, arguments, and returned result is governed by its own terms and privacy policy.
- AdvisorWorld and data providers. AdvisorWorld operates AnnuityRatesHQ. Public and licensed annuity data supplied through AdvisorWorld and CANNEX Financial Exchanges is queried to return the requested product and rate research. We do not send them your AI conversation or contact details through the Research App.
- Service providers. Hosting, database, security, logging, analytics (including PostHog), communications, customer-support, and professional-service providers process information for us under contractual restrictions.
- Licensed insurance professionals. If—and only if—you separately submit a website form requesting contact, we may send the inquiry and relevant scenario information to the licensed professional or organization matched to your request.
- Advertising and measurement providers. Website identifiers and activity may be disclosed to analytics and advertising services to measure or deliver campaigns. We do not disclose Research App scenario inputs or results to them for behavioral advertising.
- Authorities and transaction parties. We may disclose information when reasonably necessary to comply with law, protect rights and safety, investigate abuse, or complete a merger, financing, acquisition, bankruptcy, or sale of assets, subject to appropriate safeguards.
We do not sell personal information for money. Some laws may define certain website advertising disclosures as a “sale,” “sharing,” or targeted advertising; you may opt out as described below. We do not sell or share Research App arguments or results for targeted advertising.
Retention
| Information | Retention period |
|---|---|
| Raw Research App arguments and returned results | Retention periodWe process them to answer the request but do not create an AnnuityRatesHQ account history or store the raw arguments or result as Research App analytics. A platform provider may retain its copy under its own policy. |
| Research App application logs | Retention period14 days. These logs contain the coarse operational fields described above, not raw tool arguments or returned results. |
| Infrastructure security and network logs | Retention period90 days. If a specific security event or legal hold requires preservation, the relevant records may be kept for up to 12 months or longer when required by law. |
| PostHog event analytics | Retention periodPostHog’s plan-based event schedule is one year on its free plan and seven years on paid plans. We apply a seven-year maximum and delete earlier when the information is no longer needed. Browser cookies may expire sooner as shown in your browser controls. |
| Inquiry, lead, advisor-referral, transaction, and consent records | Retention periodSeven years after the last interaction or the end of the related service, unless law requires a different period. |
| Support, privacy-request, email, SMS, and call records | Retention periodThree years after the last interaction. Minimal suppression records may be kept as long as needed to honor an opt-out. |
We may retain information longer when reasonably necessary for a legal hold, fraud or security investigation, dispute, or legal obligation. We may retain aggregated or de-identified information that cannot reasonably be linked to you. At the end of the applicable period, information is deleted or de-identified.
Your choices and controls
- Research controls: You may omit optional Research App fields, avoid sensitive information, stop using the Research App, or ask your AI platform provider to delete conversation history it controls.
- Access, correction, deletion, and portability: Depending on where you live, you may request access to, correction or deletion of, or a portable copy of personal information we control.
- Marketing and targeted advertising: Use an email unsubscribe link, browser or device cookie controls, or email us to opt out of marketing or uses treated as sale, sharing, or targeted advertising under applicable law.
- Calls and texts: Ask us not to call, reply STOP to a text, or contact us to withdraw consent. Withdrawal does not affect processing already completed and is not a condition of purchase.
- Appeals: If applicable law gives you a right to appeal our response to a privacy request, reply to our decision and state that you wish to appeal.
To exercise a privacy right, contact support@annuityrateshq.com with the subject “Privacy Request.” We may need to verify your identity and authority. You may use an authorized agent where law permits. We will not discriminate against you for exercising a privacy right.
Text message communications
When you provide a mobile number through one of our forms and agree to this Privacy Policy and our Terms, you consent to receive text messages from AnnuityRatesHQ, AdvisorWorld, and the licensed advisor matched to your inquiry about your request and related retirement-income follow-up. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for help.
Security, international processing, and children
We use administrative, technical, and physical safeguards designed to protect information, including access controls and data minimization. No system is completely secure. AdvisorWorld is based in Canada and uses providers in Canada, the United States, and other countries, so information may be processed where privacy laws differ from those where you live.
AnnuityRatesHQ and the Research App are intended for adults and are not directed to children under 18. We do not knowingly collect personal information from children under 18. Contact us if you believe a child provided personal information so we can review and delete it as appropriate.
Changes to this Policy
We will post updates on this page and change the effective date. If a change materially affects how we use information already collected, we will provide additional notice or obtain consent where required.
Contact us
AdvisorWorld.com Inc., operator of AnnuityRatesHQ
Privacy Officer
support@annuityrateshq.com