Privacy Policy

Last updated: April 22, 2026

Last updated: April 22, 2026

AnnuityJournal.org (“AnnuityJournal,” “we,” “our,” or “us”) respects your privacy. This Privacy Policy explains what information we collect when you visit our website, how we use it, and the choices you have about your data.

By using AnnuityJournal.org, you consent to the practices described below. If you do not agree, please do not use the site.

Who We Are

AnnuityJournal.org is an independent editorial publication focused on annuity education, rate data, and retirement planning guidance. We do not sell insurance products, and we are not a registered investment advisor. Our content is published for informational purposes only.

Information We Collect

Information You Provide Directly

When you contact us through our contact form, comment on articles, subscribe to a newsletter, or otherwise interact with features of our site, we collect the information you choose to share. This typically includes:

  • Your name
  • Your email address
  • The content of any message you send us
  • Any optional details you include (such as age, state, or financial goals)

You are never required to provide personal information to read our articles. We only collect what you volunteer.

Information Collected Automatically

When you visit AnnuityJournal.org, certain information is collected automatically by our servers and analytics tools. This includes:

  • IP address (often truncated or anonymized)
  • Browser type and version
  • Operating system and device type
  • Pages visited and time spent on each page
  • Referring website or search query
  • General geographic location (country, state, city)

This information is aggregated and used to improve the site. It does not personally identify you.

Cookies and Similar Technologies

AnnuityJournal.org uses cookies and similar tracking technologies to recognize returning visitors, remember preferences, and measure how our pages are used. Cookies are small text files stored on your device by your browser.

We use the following types of cookies:

  • Essential cookies: required for the site to function, such as remembering that you have already seen a notice.
  • Analytics cookies: set by Google Analytics to measure traffic patterns and content performance.
  • Preference cookies: used only if you sign in, subscribe, or adjust display settings.

You can disable or delete cookies through your browser settings. Instructions are available from the major browser providers: Chrome, Firefox, Safari, and Edge. Disabling cookies may affect how some features work.

Third-Party Services

We use a small number of third-party services to operate the site. Each has its own privacy policy, and we encourage you to review them.

  • Google Analytics (GA4): used to measure site traffic and understand how readers use our content. Google’s practices are described in its Privacy Policy. You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.
  • Formspree: powers our contact form. Messages you submit are delivered to us through Formspree’s servers. See the Formspree Privacy Policy.
  • Hosting provider: our website is hosted on commercial web infrastructure that maintains its own server logs for security and performance.
  • Embedded content: some articles include embeds from services like YouTube. These providers may set their own cookies and collect their own data when you interact with embedded content.

How We Use Your Information

We use the information we collect to:

  • Respond to questions, comments, and contact form submissions
  • Operate, maintain, and improve the website and our content
  • Understand which topics readers find useful
  • Detect and prevent abuse, fraud, or security threats
  • Comply with applicable laws and respond to lawful requests

We do not sell your personal information. We do not rent, trade, or share your email address with third-party marketers.

Editorial Independence and Affiliate Links

AnnuityJournal is independently operated. Our editorial team makes content decisions based on what is most useful to retirement savers, not what pays the most. Some outbound links on our site may be affiliate or partner links. If you click one of these links and later purchase a product, we may receive a commission at no additional cost to you. These relationships do not influence our ratings, rankings, or recommendations. For more detail, see our Editorial Policy.

How We Protect Your Information

We use industry-standard safeguards to protect information we collect, including HTTPS encryption for all site traffic, restricted access to servers and databases, and regular software updates. No system is perfectly secure, and we cannot guarantee the absolute security of information transmitted over the internet.

Data Retention

We retain personal information only as long as needed to fulfill the purposes described in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Analytics data is generally retained in aggregate form. Contact form submissions are retained for customer support and record-keeping purposes.

Your Privacy Rights

California Residents (CCPA/CPRA)

If you are a California resident, you have the right to:

  • Request disclosure of the categories and specific pieces of personal information we have collected about you
  • Request deletion of personal information we have collected from you
  • Correct inaccurate personal information
  • Opt out of the “sale” or “sharing” of personal information (we do not sell personal information)
  • Not be discriminated against for exercising these rights

To exercise these rights, email us at support@annuityjournal.org. We will verify your request and respond within the timeframe required by law.

European Economic Area, United Kingdom, and Switzerland (GDPR/UK GDPR)

If you are located in the EEA, UK, or Switzerland, you have the right to access, correct, delete, restrict, or object to the processing of your personal data, and the right to data portability. Where we rely on your consent (for example, for certain cookies), you can withdraw that consent at any time. To exercise these rights, email support@annuityjournal.org.

Other U.S. State Laws

Residents of other U.S. states with comprehensive privacy laws (including Virginia, Colorado, Connecticut, Utah, and others) have similar rights. You may submit requests through the email address above.

Children’s Privacy

AnnuityJournal.org is not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13. If we learn that we have collected such information, we will delete it promptly. Parents or guardians who believe their child has provided us with personal information should contact us.

Do Not Track

Some browsers include a “Do Not Track” (DNT) feature. Because no common standard currently exists for how websites should respond to DNT signals, AnnuityJournal.org does not currently change its behavior based on DNT signals. We honor the opt-out methods described above.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make material changes, we will update the “Last updated” date at the top of this page. Continued use of the site after changes are posted constitutes acceptance of the revised policy.

Contact Us

Questions, comments, or requests relating to this Privacy Policy can be directed to:

AnnuityJournal.org
Email: support@annuityjournal.org
Contact form: annuityjournal.org/contact