Privacy Policy
Effective date: [To be set]
This Privacy Policy explains how AskAnnuityAI (“we,” “us,” or “our”) collects, uses, and shares information when you use askannuityai.com and our AI chatbot, “Oscar.” AskAnnuityAI is operated by Pacific Ridgeway, a licensed insurance and retirement professional practice.
Oscar provides general, educational answers about retirement and annuities. The information provided through the site and chatbot is for educational purposes only and is not financial, tax, or legal advice. By using the site, you agree to the practices described in this policy.
Information We Collect
We collect the following categories of information:
- Contact and lead form information. When you submit our contact or lead form, we collect your name, email address, and phone number, plus optional information such as the amount you are considering and any message you choose to include.
- Chat questions. We collect the questions and messages you type into the Oscar chatbot so we can generate responses and improve the service.
- Account information (optional Google sign-in). If you choose to sign in with Google (OAuth), we receive and store your name and email address so we can save your conversation history and let you return to it.
- Basic technical data. We collect limited technical information such as your IP address, which we use for purposes like rate limiting and protecting the service.
How We Use Your Information
We use the information we collect to:
- Respond to your inquiries and questions;
- Connect you with a licensed professional when you request it or express interest;
- Provide and save your chat history if you are signed in;
- Operate, maintain, secure, and improve the site and the Oscar chatbot; and
- Send lead notifications and communications related to your request.
We do not sell your personal information.
Cookies and Analytics
We may use cookies and similar technologies to keep you signed in, remember your preferences, secure the service, and understand how the site is used. You can control cookies through your browser settings; disabling some cookies may affect how the site functions. If we use analytics tools, they help us understand aggregate usage so we can improve the service.
Third-Party Service Providers
We rely on trusted third-party providers to operate the service. These providers process information on our behalf and only as needed to provide their services:
- Supabase — hosts our database, where we store lead form submissions, chat questions, and account information.
- OpenAI — provides embeddings used to help generate relevant answers.
- Anthropic (Claude) — provides the AI model used to generate Oscar’s responses.
- Resend — delivers email notifications, such as lead notifications, on our behalf.
- Google Sign-In (OAuth) — provides optional authentication so you can save your conversation history.
Each provider handles information under its own privacy and security terms. We encourage you to review their policies for more detail.
Data Retention
We keep personal information for as long as needed to fulfill the purposes described in this policy — for example, to respond to your inquiry, connect you with a professional, and maintain your saved chat history — and as required for legitimate business, legal, or regulatory purposes. When information is no longer needed, we take reasonable steps to delete or de-identify it.
Your Choices and Rights
Depending on where you live, you may have rights regarding your personal information, including the right to:
- Access the personal information we hold about you;
- Correct inaccurate information;
- Delete your personal information;
- Opt out of non-essential communications.
To request access to or deletion of your data, or to exercise any of these rights, please contact us using the details below. We will respond consistent with applicable law.
Children’s Privacy
The site and Oscar are intended for adults and are not directed to children under 18. We do not knowingly collect personal information from anyone under 18. If you believe a child has provided us with personal information, please contact us so we can remove it.
Security
We take reasonable administrative, technical, and organizational measures to protect your information. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.
Changes to This Policy
We may update this Privacy Policy from time to time. When we do, we will revise the effective date above. Your continued use of the site after changes take effect means you accept the updated policy.
Contact Us
If you have questions about this Privacy Policy or wish to exercise your rights, please contact us through askannuityai.com. AskAnnuityAI is operated by Pacific Ridgeway.