Terms of Use

1. Agreement

These Terms of Use govern your access to annuityscale.com and any application funnel or booking page on it (the "Site"). The Site is operated by SageByte LLC ("we", "us", "our"), trading as Annuity Scale. By using the Site or submitting a form, you agree to these terms. If you do not agree, do not use the Site.

2. Who the Site is for

The Site is intended for licensed insurance producers, financial professionals, agencies, IMOs and FMOs. It is not intended for consumers seeking annuity products or retirement advice. You represent that you hold the licences required for the business you write in the states you operate in, and that maintaining them is your responsibility, not ours.

3. What we do and do not do

We are a marketing company. We generate and supply contact records ("cases") of consumers who have expressed interest in retirement income products, and we make those records available to one producer per territory.

We are not a licensed insurance producer, broker, agency, IMO or FMO. We do not sell insurance or annuity products, we do not give financial, tax, insurance or legal advice, and we do not supervise or take responsibility for how you use what we supply.

4. No guarantee of results

Nothing on the Site is a promise of results. Contact rates, appointment rates, close rates, commissions and any other figures shown are illustrative or reflect outcomes reported to us. They are not typical, not verified, and not guaranteed. Your results depend on your licensing, your process, your follow-up speed, your territory and factors outside our control.

We do not guarantee that any case will answer the phone, be reachable, qualify, meet with you, or purchase anything.

5. Your compliance obligations

You are solely responsible for how you contact and handle the people whose records we supply. That includes compliance with the Telephone Consumer Protection Act, state do-not-call and telemarketing rules, recording-consent laws, insurance advertising and suitability rules, and any carrier or FMO requirements that apply to you.

You agree not to resell, re-lease, syndicate, or redistribute the records we supply, and not to use them for any purpose other than your own licensed business.

6. Territory and exclusivity

Where we describe a territory as exclusive, we mean that we do not supply the same record to another producer in that territory during an active arrangement. Availability is finite and allocated in the order arrangements are agreed. Describing a territory as available on a call is not a reservation of it.

7. Data accuracy and replacements

We take reasonable steps to check the records we supply, but we do not warrant that any record is accurate, current or complete. Where a record fails an agreed replacement condition, our sole obligation, and your sole remedy, is replacement of that record — not a refund — under whatever replacement terms are in force between us.

8. Submissions and consent

When you submit a form you confirm the information you give is accurate, and you agree we may contact you as described in our Privacy Policy. Do not submit information about your own clients through this Site.

9. Third-party links and services

The Site links to and relies on third-party services, including our CRM, scheduling and hosting providers. We do not control them and are not responsible for their content, availability or practices.

10. No warranty

The Site is provided "as is" and "as available", without warranties of any kind, express or implied, including any implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, secure, or error-free.

11. Limitation of liability

To the fullest extent permitted by law, SageByte LLC will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, lost commissions, lost business or lost data, arising out of or relating to the Site or anything supplied through it — whether based in contract, tort, or any other theory, and even if we have been advised of the possibility.

To the fullest extent permitted by law, our total aggregate liability arising out of or relating to the Site is limited to the greater of the amount you paid us in the three months preceding the event giving rise to the claim, or one hundred US dollars.

12. Indemnity

You agree to indemnify and hold harmless SageByte LLC, its officers and personnel, from any claims, losses, liabilities and expenses (including reasonable legal fees) arising from your use of the Site, your use of records we supply, your marketing or sales activity, or your breach of these terms or of any law.

13. Intellectual property

The Site, its copy, design, and marks are owned by SageByte LLC or its licensors and are protected by intellectual property laws. You may view and print pages for your own internal business use. You may not copy, republish, scrape, or create derivative works from the Site without our written permission.

14. Changes

We may change these terms at any time by posting an updated version with a new "last updated" date. Continuing to use the Site after a change means you accept the updated terms.

15. Governing law

These terms are governed by the laws of the State of Florida, without regard to conflict-of-law rules. The state and federal courts located in Florida have exclusive jurisdiction over any dispute, and you consent to that jurisdiction and venue.

16. Miscellaneous

If any provision is found unenforceable, the rest remains in force. Our failure to enforce a provision is not a waiver of it. These terms, together with the Privacy Policy, are the entire agreement between you and us regarding the Site, and do not replace any separate written agreement covering the supply of cases.

17. Not affiliated with Facebook or Meta

This Site is not part of Facebook or Meta Platforms, Inc., and is not endorsed by Facebook in any way. Facebook is a trademark of Meta Platforms, Inc.

18. Contact

Questions about these terms: info@annuityscale.com.