The legal agreement governing your access to and use of the Advisor Annuity Pro® platform.
These Terms and Conditions ("Agreement") constitute a legally binding agreement between Advisor Annuity Pro™ ("Advisor Annuity Pro," "Company," "we," "our," or "us") and any individual or entity ("User," "Member," "Subscriber," "Advisor," or "you") accessing or using the Advisor Annuity Pro website, mobile application, software platform, or related services (collectively, the "Platform").
By creating an account, accessing, or using the Platform, you acknowledge that you have read, understood, and agree to be legally bound by these Terms and Conditions.
The Platform is intended solely for:
You represent that:
Advisor Annuity Pro is a subscription-based software platform that provides educational resources, product research tools, carrier information, annuity illustrations, comparison tools, AI-powered technology, live rate information, calculators, analytics, educational materials, and other advisor productivity features.
Advisor Annuity Pro is headquartered in and operated from the State of California, United States, and the Platform is hosted and administered in the United States.
The Platform is intended to assist licensed professionals in conducting product research and client preparation.
The Platform does not provide individualized legal, tax, accounting, fiduciary, or investment advice.
Access to Advisor Annuity Pro requires an active paid subscription. A plan must be selected and paid before the advisor portal unlocks. Features are made available according to the plan you select, and are enforced by the Platform's entitlement system.
Advisor dashboard, client CRM, case management, sales pipeline, live rate watch, product marketplace, carrier library, index library, index fact sheets, product comparison, FIA side-by-side, and MYGA illustrations. Certain tools are metered on this tier.
Everything in Essentials, plus the advanced AI suite, advanced analytics, client document vault, income illustrations, IUL illustrations, RILA illustrations, MYGA renewal options, replacement — income, replacement — performance, rider heat map, income laddering, and priority support.
Everything in Professional, plus agency branding & templates, agency dashboard, AI coaching & call review, enterprise AI suite, API access, audit logs, beta features, carrier appointment tracking, custom domain, custom roles & permissions, downline management, and a dedicated success manager. Seats, hierarchy, onboarding, and fees are set out in a separate agency order form or written agreement, which controls where it conflicts with this section.
Subscription fees are stated in U.S. dollars, billed automatically in advance to the payment method on file until cancelled, and exclusive of any applicable taxes. Prices, plan names, and plan contents may change upon prior notice; changes take effect at the start of your next billing cycle.
Plan features are provided on an as-available basis. We may add, rename, consolidate, or retire individual features within a plan so long as the overall plan functionality is not materially reduced.
You may change plans at any time from your subscription center.
You are responsible for exporting any work product you wish to retain before a downgrade or cancellation becomes effective.
By subscribing, you authorize Advisor Annuity Pro to automatically charge your payment method every billing cycle.
Your subscription renews automatically unless cancelled before your next billing date.
All payments are final.
All subscription fees are:
No refunds or prorated refunds shall be provided for:
California residents acknowledge this policy before purchase.
Subscribers may cancel at any time from their in-app account settings, under Subscription. No call, email, or support request is required.
During registration you may provide information including:
You agree that all information submitted is accurate and current.
You are solely responsible for:
The Company is not responsible for losses resulting from unauthorized use of your account.
Account creation requires completion of a human verification step. You agree not to bypass, automate, script, or otherwise circumvent human verification, rate limits, device or session controls, or any other Platform security measure. Accounts created through automated means may be suspended or terminated without refund.
Accounts are single-user and seat-based. Credential sharing, concurrent use by multiple individuals, or use of one seat by an agency team is prohibited; agency use requires an Enterprise plan with seats provisioned for each user.
Advisor Annuity Pro grants Subscribers a limited, revocable, non-exclusive, non-transferable license to access and use the Platform solely for internal business purposes.
You may not:
All Platform content including:
remain the exclusive property of Advisor Annuity Pro and its licensors. Unauthorized use is strictly prohibited.
Users agree NOT to:
Violation may result in immediate termination.
Certain Platform features utilize artificial intelligence. AI-generated responses:
Users remain solely responsible for all recommendations provided to clients.
Live rates, carrier information, historical data, and product information are believed to be reliable but are not guaranteed. Rates may change without notice.
Advisor Annuity Pro does not warrant the accuracy, completeness, or timeliness of market data.
Nothing contained within the Platform constitutes:
Users are responsible for determining product suitability.
Users remain solely responsible for complying with:
Advisor Annuity Pro does not guarantee regulatory compliance.
The Platform may integrate with:
We are not responsible for third-party services.
Use of the Platform is also governed by our Privacy Policy.
By using the Platform you consent to the collection and processing of information described therein.
We implement commercially reasonable administrative, technical, and physical safeguards.
However, no internet transmission or electronic storage method is completely secure. We cannot guarantee absolute security.
The Platform is provided "as is" and "as available."
We disclaim all warranties including:
To the maximum extent permitted by law.
To the maximum extent permitted under California law, Advisor Annuity Pro shall not be liable for:
Our total liability shall not exceed the amount paid by the user during the preceding twelve (12) months.
You agree to defend, indemnify, and hold harmless Advisor Annuity Pro, its owners, officers, employees, affiliates, licensors, contractors, and agents from any claims, damages, losses, liabilities, costs, or expenses arising out of:
We reserve the right to suspend or terminate accounts immediately for:
This Agreement shall be governed by and construed in accordance with the laws of the State of California, without regard to conflict of law principles.
Venue for any dispute shall lie exclusively in the state or federal courts located in California.
Prior to filing litigation, the parties agree to attempt to resolve disputes through good-faith negotiations.
If unresolved, disputes shall be resolved by binding arbitration under the rules of the American Arbitration Association, except where prohibited by law.
Each party waives any right to participate in a class action.
Advisor Annuity Pro reserves the right to modify these Terms at any time.
Continued use of the Platform after modifications constitutes acceptance of the revised Terms.