1. About Annuity Heritage Group

Annuity Heritage Group is alicensed annuity and retirement income provider serving clients in Florida. Wework with licensed insurance carriers to provide annuity products andretirement planning information. Annuity products are sold by licensed agentsin accordance with applicable state insurance laws.

2. Eligibility

You must be at least 18 years ofage and a resident of the United States to use our services. By using ourwebsite or services, you represent and warrant that you meet theserequirements.

3. Description of Services

4. SMS / Text Messaging Terms

By providing your mobile number and opting in (via our website form, signed annuity application, or express verbal consent on a recorded consultation call), you agree to receive recurring text messages from Annuity Heritage Group at the mobile number you provided.
‍Program Description: Messages may include appointment reminders, agent follow-ups, document requests, payment confirmations, policy updates, and account notifications relating to your annuity inquiry, application, or existing policy.
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‍Message Frequency: Message frequency varies, typically 2–4 messages per month, based on your interactions with us.Cost: Message and data rates may apply. Check with your mobile carrier for details about your plan.
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‍Opt-Out (STOP): You may opt out of receiving messages at any time by replying STOP to any message. After opting out, you will receive a confirmation message, after which no further texts will be sent. To rejoin the program, you must opt in again through one of our consent channels.

‍Help (HELP): For assistance, reply HELP to any message, or contact us atclients@annuityheritagegroup.com or 786-979-7413.

‍Supported Carriers: Our messaging program is available on major U.S. mobile carriers including AT&T, Verizon Wireless, T-Mobile, US Cellular, and others. T-Mobile is not liable for delayed or undelivered messages. Carriers are not liable for delayed or undelivered messages.

‍No Sharing of Mobile Information: No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. See our Privacy Policy for full details on how we handle your mobile information.

‍Consent Is Not a Condition of Purchase: Your consent to receive text messages is not required as a condition of purchasing any product or service from Annuity Heritage Group.

5. No Financial, Tax, or Legal Advice

Information provided on our website and through our communications is for general informational purposes only and is not intended as, and should not be construed as, financial, investment, tax, or legal advice. Annuity products may not be suitable for every individual. You should consult with a licensed financial advisor, tax professional, or attorney before making any financial decision.

6. Annuity Product Disclosures

Annuities are long-term insurance products designed for retirement and may include surrender charges, fees, and other limitations. Guarantees are subject to the claims-paying ability of the issuing insurance carrier. Annuity Heritage Group does not guarantee the performance of any annuity product. Product availability and features vary by state.

7. User Responsibilities

You agree to:
•       Provideaccurate, current, and complete information when interacting with us.
•      Use our website and services only for lawful purposes.
•       Not engage in any conduct that could damage, disable, overburden, or impair our website or interfere with others' use.
•       Not attempt to gain unauthorized access to any portion of our systems.

8. Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of Annuity Heritage Group or its licensors and is protected by U.S. and international intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our prior written permission.

9. Disclaimers

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that our website will be uninterrupted, error-free, or free from viruses or other harmful components.

10. Limitation of Liability

To the fullest extent permitted by law, Annuity Heritage Group and its officers, agents, and employees shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services, even if we have been advised of the possibility of such damages.