Terms & Conditions
Effective Date: January 1, 2025
Welcome to Exclusive Annuities. By accessing our website or using our services, you agree to comply with and be bound by the following terms and conditions. Please review them carefully.
Services Provided
Exclusive Annuities provides retirement planning consultation services, specializing in annuity products. William Rapp and his team offer personalized financial strategies designed to help clients achieve their retirement goals through guaranteed income solutions.
Professional Licensing
William Rapp is a licensed insurance professional operating in all 50 states. All services are provided in compliance with applicable state and federal regulations governing the sale of insurance and annuity products.
No Guarantee of Results
While we strive to provide the best possible advice and service, past performance does not guarantee future results. The performance of annuity products depends on various factors including market conditions, carrier performance, and individual circumstances.
Consultation Services
Initial consultations are provided free of charge and without obligation. During consultations, we will:
• Assess your retirement goals and financial situation
• Explain annuity products and strategies that may be suitable for you
• Provide recommendations based on your specific needs
• Answer your questions about retirement planning
You are under no obligation to purchase any products or services discussed during consultation.
Accuracy of Information
We make every effort to ensure that information on our website is accurate and up-to-date. However, we do not warrant the completeness, reliability, or accuracy of this information. Any reliance you place on such information is strictly at your own risk.
Commission Disclosure
Exclusive Annuities may receive commissions from insurance carriers when clients purchase annuity products. These commissions do not affect the cost of products to clients, as they are paid by the insurance carrier. We are committed to recommending products that are in the best interest of our clients.
Appointment Scheduling
By scheduling a consultation, you agree to:
• Provide accurate contact information
• Arrive on time for scheduled appointments
• Provide at least 24 hours notice if you need to reschedule
• Receive appointment reminders via phone, email, or text message
Privacy and Confidentiality
All information shared during consultations is kept strictly confidential. We will not share your personal or financial information with third parties except as required to process applications or as required by law. Please refer to our Privacy Policy for more details.
Intellectual Property
All content on this website, including text, graphics, logos, and images, is the property of Exclusive Annuities and protected by copyright laws. You may not reproduce, distribute, or use any content without our express written permission.
Limitation of Liability
Exclusive Annuities and its representatives shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of our website or services, or from any information, products, or services obtained through our website.
Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of these external sites.
Modifications to Terms
We reserve the right to modify these Terms & Conditions at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.
Governing Law
These Terms & Conditions shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions.
Severability
If any provision of these Terms & Conditions is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms & Conditions shall otherwise remain in full force and effect.
Contact Information
If you have any questions about these Terms & Conditions, please contact us:
Exclusive Annuities
William Rapp, Founder & President
Email: [email protected]
Acknowledgment
By using our website or services, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions.