Terms of Service

Effective Date: March 28, 2026

Welcome to Annuity Brothers. By accessing or using our website, services, training programs, or applications (collectively, the “Services”), you agree to the following Terms of Service (“Terms”). Please read them carefully.

1. Acceptance of Terms

By accessing or using Annuity Brothers, you agree to be bound by these Terms and all applicable laws and regulations. If you do not agree, you should not use our Services.

2. Services Overview

Annuity Brothers provides financial education, training programs, tools, and resources related to annuities, retirement planning, and deal closing strategies.

We do not guarantee specific financial outcomes, earnings, or results from using our Services.

3. No Financial or Legal Advice

All content provided by Annuity Brothers is for educational and informational purposes only.

We are not acting as your financial advisor, fiduciary, or legal professional
You should consult a licensed financial advisor, tax professional, or attorney before making financial decisions
Any examples, scenarios, or projections are illustrative only and not guarantees

4. Eligibility

You must be at least 18 years old to use our Services. By using the platform, you confirm that you meet this requirement.

5. User Accounts

If you create an account:

You are responsible for maintaining the confidentiality of your login credentials
You agree to provide accurate and complete information
You are responsible for all activity under your account

We reserve the right to suspend or terminate accounts that violate these Terms.

6. Training Programs and Content

Our courses, materials, scripts, and training systems are proprietary.

You agree that you will not:

Copy, reproduce, or distribute materials without permission
Resell or repurpose content for commercial use
Share login access with others

All intellectual property remains the sole property of Annuity Brothers.

7. Payments and Refunds

If you purchase any paid services:

All fees will be clearly disclosed prior to purchase
Payments are due at the time of purchase
Refund policies, if applicable, will be stated separately on the website

We reserve the right to modify pricing at any time.

8. Client Engagement and Broker Interactions

If you are a broker or participant using our platform:

You are solely responsible for your communications and actions with clients
Annuity Brothers does not guarantee deal closure or client conversion
You must comply with all applicable licensing and regulatory requirements

9. Prohibited Use

You agree not to:

Use the platform for unlawful purposes
Misrepresent your identity or credentials
Attempt to gain unauthorized access to systems
Distribute harmful software or disrupt services

10. Limitation of Liability

To the fullest extent permitted by law:

Annuity Brothers shall not be liable for any:

Direct or indirect damages
Financial losses or missed opportunities
Business interruptions
Reliance on information provided

Your use of the Services is at your own risk.

11. Disclaimer of Warranties

Our Services are provided “as is” and “as available” without warranties of any kind, either express or implied.

We do not guarantee:

Accuracy or completeness of information
Continuous availability of the platform
Specific outcomes or success

12. Third-Party Links and Services

Our platform may include links to third-party services or partners.

We are not responsible for:

Third-party content
External websites
Products or services offered by others

13. Termination

We reserve the right to suspend or terminate your access to the Services at any time, without notice, for violations of these Terms.

14. Changes to Terms

We may update these Terms from time to time. Continued use of the Services after changes constitutes acceptance of the updated Terms.

15. Governing Law

These Terms shall be governed by and interpreted under the laws of the Commonwealth of Virginia, without regard to conflict of law principles.