AnnuityRatesHq.com Operated by AdvisorWorld.com Inc. Privacy Notice

This Privacy Notice applies to customer information AdvisorWorld.com Inc. collects through this website.

Information We Collect We collect your information from the following sources:
How We Use and Disclose Your Information
Your Choices
How to Contact Us

Detailed Privacy Notice

About Us This website is operated by AdvisorWorld.com Inc. We have appointed a privacy officer who is accountable for our personal information handling practices. If you have a question or complaint about our personal information handling practices, please contact us at the following email address support@advisorworld.com, and use the subject line: “PRIVACY NOTICE ENQUIRY.” In this Privacy Notice, the terms “we”, “our” and “us” mean AdvisorWorld.com Inc.  
Effective Date and Scope This Privacy Notice is effective as of April 18, 2016. This Privacy Notice governs our practices with respect to personal information we collect through this website.  
What Personal Information Do We Collect? Personal information is information that identifies you or could be combined by us or our service providers and affiliates with other information to identify you. This information includes your personal e-mail address, your home address, your home telephone number, your personal cellphone number, your image, and may include your age, your income and other similar information when associated with you. Personal information may also be information containing details as to whether you have opened our promotional e-mails or how you have used our website, if we can associate that personal information with you. We collect personal information from you when you complete a form or communicate with us using our web forms to make a request or ask a question, or otherwise submit personal information to us with your communication. We receive personal information about you from other sources. For example, we may acquire information about you from other promotional or marketing companies with whom you shared your information and whom you have allowed to provide information to us.  
How Do We Use Your Personal Information? We use your information to provide products and services and to manage our business operations. Some examples include:
Personalized Offers and Web Analytics We also automatically collect information when you visit our website in order to customize your experience. For example, we collect information about what site referred you to our website, your browser type, operating system type and version, language, and your Internet Protocol (“IP”) address. We also collect information about how you browse through our website, including logging the pages you visit and the amount of time you spend on certain pages. We use this information for a number of technical purposes to ensure that our pages load correctly in your browser, as well as to personalize our offers to you. We also use this information to improve our website. For example:
Your Ad Choices: Interest-Based Advertising Our website uses small pixel files (small images) and cookies (small text files) to keep track of your browser so that you will be recognized when you visit other websites where our third-party ad management providers may show you advertisements from us based on your visit to our website. Some of these advertisements may be customized to particular products and services that you viewed or they may be based on inferences about products and services that you might be interested in. This is called “interest-based advertising”. These pixel files and cookies are generally valid for a limited number of days (usually no more than 90 days) and are provided by our ad management providers.  
Regarding Children and Minors Our website and the services offered on our website are not directed to individuals under the age of 18 years. We will not knowingly collect personal information about an individual under the age of 18. We do not allow minors (persons who are under the age of majority in their place of residence) to submit an online form requesting a service or product.  
Do We Disclose Your Personal Information to Others? We may share your personal information with our service providers and our corporate affiliates that help us with our business operations. We share information with service providers or our affiliates who provide us with marketing and promotional services. We require our service providers and our affiliates to keep your personal information secure. In addition, our service providers may not use or disclose personal information for any purpose other than providing the services on our behalf unless we or they have obtained your consent. We may transfer any information we have about you in connection with a merger or sale (including transfers made as part of insolvency or bankruptcy proceedings) involving all or part of our business or as part of a corporate reorganization or stock sale or other change in corporate control. We may also disclose your personal information if it is necessary for us to collect a debt from you or where we have reason to believe that it is relevant to the investigation or decision to investigate a breach of the laws of Canada, a province or territory of Canada, or a foreign jurisdiction, and we are legally permitted to do so.  
Law Enforcement Requests We will disclose personal information without your knowledge or consent if we receive an order, subpoena, warrant or other legal requirement issued by a court, tribunal, regulator or other person with jurisdiction to compel disclosure of your personal information.  
Storage Outside of Canada Your personal information may be used or stored by us or our service providers outside of Canada. We require that our service providers safeguard your personal information. However, if your personal information is used or stored outside of Canada, it will also be subject to the laws of the country in which it is used or stored.  
How Do You Access and Modify Your Personal Information or Make a Complaint? If you have questions or concerns about other personal information collected by us and would like assistance accessing that information, please contact us at the following email address support@advisorworld.com, and use the subject line: “PRIVACY NOTICE ENQUIRY.”  
How Do We Protect Your Personal Information? We take administrative, technical and physical measures to safeguard your personal information against unauthorized access, unauthorized disclosure, theft and misuse. This includes limiting access of employees to, and the use of, your personal information through the use of passwords and graduated levels of clearance. We do not publish all of our security measures online because this may reduce their effectiveness. We take physical precautions to ensure that the computer servers on which your personal information is stored and archived are secure and that access to such servers is protected. We educate our employees with respect to their obligations to protect your personal information. Although we take precautions against possible breaches of our security systems, no company can fully eliminate the risks of unauthorized access to your personal information and no website is completely secure. We cannot guarantee that unauthorized access, hacking, data loss or breaches of our security systems will never occur. Accordingly, you should not transmit personal information to us using our website if you consider that information to be sensitive.  
Links to Third-Party Websites You may be able to access third-party websites through links available on our websites. These links are provided for your convenience. We do not have any control over those third-party websites and we do not provide any guarantee that the privacy practices of the hosts of those websites meet our standards. Your use of such third-party websites is at your own risk and will be governed by the privacy policies of those websites and not by this Privacy Notice. Do not transmit personal information using those websites without reading the privacy policies governing those websites.  
Notice to Persons Outside of Canada This Privacy Notice is governed by the laws of Canada and applicable provincial law. By submitting personal information to us, you understand that your personal information will be subject to the laws of Canada and applicable provincial laws.
Call Recording for Training and Quality Assurance By using this site and agreeing to our Privacy Policy when submitting a web form, you acknowledge and consent that any calls made to or from our organization may be recorded for training, monitoring, and quality assurance purposes. These recordings are used solely to improve our services and ensure the highest standards of customer care.