The Services are provided “as is”, and include free information, including annuity quotes, links, and recommendations to help you with annuity and financial related decisions. Most information provided through the Service is provided for general informational and educational purposes. There is information provided at the point of sale for commercial purposes.

The Services include incorporation of third-party annuity products, brokers, and carriers in the form of an advertisement, annuity proposal, email, phone call, text message, or any other marketing medium. This serves as notice that you may have third-parties contact you on our behalf.

The Services also include formal quoting, brokering, and transacting of first-and-third-party annuity products. We are a licensed insurance agency.

Any quotes provided on the Site or over the phone are non-binding. The final annuity contract premium for any annuity is determined following application by the underwriting insurance company. Annuity products and their availability may vary by state and your individual circumstances, and additional minimum contract limits may be required in your state. The third-party annuity products offered for sale through the Site are only available in the jurisdictions in which we are properly licensed.

At times, Services may require you to agree to additional terms and conditions or enter into separate agreements with us or applicable third-parties. Any third-party annuity products purchased by you through the Site are subject to the contract terms of the applicable insurance carrier. In the event of a conflict between these Terms of Use and the terms of any annuity contract terms, the terms of the annuity contract will control.

You promise NOT to use this website for any of the following purposes or activities: Conducting or supporting illegal activity of any type whatsoever; transmitting or storing worms or viruses or any code of a destructive nature; threatening, harassing, abusing, impersonating, injuring or intimidating others; interfering with others' use of this Website, unless such interference is for the purpose of complying with another section of these Terms of Use; delivering spam or collecting information to deliver spam, or sending unsolicited email advertisements; decompiling, disassembling, reverse engineering or otherwise attempting to discover any source code contained in this Website; disguising the origin of any content transmitted through this Website or manipulating your presence on the Website; and/or causing the launch of any automated system(s) that accesses this Website in a manner that sends more request messages to servers of the Website in a given period of time than a human can reasonably produce in the same period by using a conventional online web browser.

The Site contains material, such as text, graphics, images, photos and other material provided by or on behalf of us, and through your use of the Services you will be provided with additional information from us. These materials and information are collectively referred to herein as the “Content.” The Content is owned by us and/or our licensors and may be protected under both United States and foreign copyright laws and treaties. The Content includes, but is not limited to, the trademarks, service marks, and logos that are used and displayed on the Site, which are registered and unregistered trademarks or service marks of ours or our licensors. Moreover, the organization and design of the Website are the property of APEX and are protected worldwide by copyright laws and treaty provisions.

You shall not, without our written permission in each instance: use any trademarks, service marks or logos in any manner; copy or use the Content for any purpose; remove any copyright or other proprietary notices contained in the original Content on any copy you make of the Content; sell, transfer, assign, license, sublicense, or modify the Content, or use the Content for any public or commercial purpose; or use or post or publish the Content.

Nothing contained in these Terms and Conditions of Use shall be construed as conferring any license or right to any trademark or other intellectual property right of APEX or any other party. All trademarks, trade names, service marks, and logos displayed throughout the website are the property of APEX, licensed by APEX, or owned by third parties. You shall not display, use as a link, use as a meta tag, or otherwise use any of the trademarks, trade names, service marks and logos displayed throughout the Website without the prior written consent of the owner of the trademark, trade name, service mark and logo .

We provide Services for inquiries and peer-to-peer interaction, and you are solely responsible for your use of these Services. By submitting any unsolicited information and materials, including comments, ideas, questions, and other similar communications, (“Unsolicited Information”) you agree to be bound by the following terms and conditions. All Unsolicited Information will be considered NON-CONFIDENTIAL and NON-PROPRIETARY and will become APEX’S property upon its submission. We are entitled to use such communication or material for any purpose whatsoever, commercial or otherwise, including, but not limited to, reproduction, disclosure, transmission, publication, broadcast, and further posting, without any compensation to the provider of the Unsolicited Information. Further, we are free to use any ideas, concepts, know-how, or techniques contained in any communication or material you send to the site for any purpose whatsoever, commercial or otherwise, including, but not limited to, developing, manufacturing, and marketing products. By submitting any Unsolicited Information, you are granting us a perpetual, royalty-free and irrevocable right and license to use, reproduce, modify, adapt, publish, translate, distribute, transmit, publicly display, publicly perform, sublicense, create derivative works from, transfer and sell such Unsolicited Information. Notwithstanding the foregoing, any personal information you submit to APEX through the pages located on the Website will be held in confidence by us as set forth in our Privacy Policy.

APEX respects your privacy. Your use of the Services transmits information, and possibly personally identifiable information. Any collection or use of personally identifiable information collected from you via the Website is governed by our Privacy Policy, which is hereby incorporated by reference in its entirety. It is important that you read and understand the terms of our Privacy Policy. APEX may cooperate with and disclose information (including your account information) to any authority, government official or a third party, without giving any notice to you, in connection with any investigation, proceeding or claim arising from an asserted illegal action or infringement whether related or unrelated to your use or misuse of the Website.

The Site may contain links to third-party websites, including, without limitation, the websites of the insurance carriers offering the third-party annuity products made available to you through the Services (“External Sites”). We have no control over the External Sites, and we do not endorse, and we are not responsible for the content of any linked External Sites. We are not responsible or liable for the actions, products or content of the External Sites, as they are provided for your convenience and are to be accessed entirely at your own risk. We do, however, seek to protect the integrity of our Website and welcome any feedback about external links, including information regarding a broken link. The Site may include interactive social media features (such as the Facebook “Like” button and Widgets, such as the “Share This” button) or other interactive mini-programs that run on our Website and connect to External Sites (collectively the “Features”). The Features may collect your IP address, which page you are visiting on our Website and may set a cookie to enable the Features to function properly. The Features are either hosted by a third party or hosted directly on our Website. Your interactions with the Features are governed by the privacy policy of the External Site providing them. Before using any External Site, please refer to the terms of use and privacy policies of the External Sites for more information.

You shall defend, indemnify, and hold us and our officers, directors, employees, successors, licensees, and assigns harmless from and against any claims, actions, or demands, including, without limitation, reasonable legal and accounting fees, arising or resulting from: (i) your breach of these Terms of Use; or (ii) your access to, use, or misuse of the Site, any Services or any Content.

We may terminate these Terms of Use and your access to all or any part of the Site or the Services at any time and for any reason without prior notice or liability. We reserve the right to change, suspend, or discontinue all or any part of the Site or the Services sat any time without prior notice or liability.

In the event that any portion of these Terms of Use is held to be invalid or unenforceable, then such portion shall be construed in accordance with the applicable law as nearly as possible to reflect the original intentions of the parties, and the remainder of these Terms of Use shall remain in full force and effect. This section, the section entitled Indemnification, and the sections entitled Disclaimer, Limitation of Liability and Intellectual Property shall survive the termination of these Terms of Use. You may not assign these Terms of Use. No waiver shall be effective unless in writing. Neither the course of conduct between parties nor trade practice shall act to modify any provision of these Terms of Use. We control and operate the Website from our offices within the State of California, United States of America, and these Terms of Use shall be governed by and construed in accordance with the laws of the State of California. You are solely responsible for compliance with all applicable laws and regulations that may govern your access and use of the Website. Except for proceedings commenced by us to protect our intellectual property or confidential information which may be brought in any court of competent jurisdiction, the parties mutually agree that any and all disputes arising hereunder shall be resolved exclusively by state or federal courts located in Contra Costa County, California. These Terms of Use contain the entire agreement of the parties concerning the subject matter hereof and supersede all existing agreements and all other oral, written or other communication between the parties concerning its subject matter.

If you have any questions or would like additional information about the Terms of Use, please contact us at help@retirementsecuritycouncil.com, (877) 420-0051, 2285 Overlook Dr. Walnut Creek, CA 94597