Terms of Service
Effective date: [To be set]
These Terms of Service (“Terms”) govern your use of askannuityai.com and our AI chatbot, “Oscar” (together, the “Service”). The Service is operated by Pacific Ridgeway, a licensed insurance and retirement professional practice. Please read these Terms carefully.
1. Acceptance of These Terms
By accessing or using the Service, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree, please do not use the Service.
2. Description of the Service
The Service provides an AI chatbot named Oscar that answers general questions about retirement and annuities, along with an optional contact form to request more information or to be connected with a licensed professional. You may optionally sign in with Google to save your conversation history.
3. Educational Only — Not Advice
The Service is for educational and informational purposes only. The content provided by Oscar and this site is not financial, tax, or legal advice, and it is not an offer or solicitation to buy or sell any insurance or annuity product or any other financial product.
You should not act, or refrain from acting, based on anything you read here. Before making any financial, insurance, tax, or legal decision, consult a qualified, licensed professional who can consider your specific circumstances.
4. AI-Generated Content May Contain Errors
Oscar’s responses are generated by artificial intelligence and may be incomplete, out of date, or incorrect. AI can produce inaccurate or misleading information. We do not guarantee the accuracy, completeness, or usefulness of any response, and you use the Service and rely on any content at your own risk.
5. No Advisor-Client or Fiduciary Relationship
Using Oscar or submitting a form does not create an advisor-client, agent-client, fiduciary, or other professional relationship between you and AskAnnuityAI, Pacific Ridgeway, Gregory Stevenson, or any associated professional. Such a relationship is established only through a separate, written engagement and applicable licensing and suitability processes.
6. Intellectual Property
The Service, including its text, design, wordmark, and other content — other than content you submit — is owned by Pacific Ridgeway or its licensors and is protected by intellectual property laws. Certain educational content may draw on material authored by Gregory Stevenson, including the book “Indexed Annuity Secrets.” You may not copy, reproduce, distribute, or create derivative works from the Service without our prior written permission, except as allowed by law.
7. Acceptable Use
You agree not to:
- Use the Service for any unlawful, harmful, or fraudulent purpose;
- Attempt to disrupt, overload, probe, or gain unauthorized access to the Service or its systems;
- Submit false information or impersonate another person;
- Use automated means to scrape or harvest content or data except as expressly permitted; or
- Rely on the Service as a substitute for professional advice.
8. Third-Party Links and Services
The Service may reference or link to third-party websites, tools, or services. We do not control and are not responsible for third-party content, products, or practices. Accessing third-party services is at your own risk and subject to their terms.
9. Disclaimer of Warranties
The Service is provided “as is” and “as available,” without warranties of any kind, whether express, implied, or statutory, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the Service will be uninterrupted, secure, or error-free.
10. Limitation of Liability
To the fullest extent permitted by law, AskAnnuityAI, Pacific Ridgeway, Gregory Stevenson, and their affiliates, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, goodwill, or other intangible losses, arising out of or related to your use of (or inability to use) the Service. To the extent liability cannot be excluded, our total liability will be limited to the amount you paid us, if any, to use the Service.
11. Governing Law
These Terms are governed by the laws of the State of [State], without regard to its conflict-of-laws principles. Any disputes will be subject to the jurisdiction of the courts located in [State], except where applicable law provides otherwise.
12. Changes to These Terms
We may update these Terms from time to time. When we do, we will revise the effective date above. Your continued use of the Service after changes take effect means you accept the updated Terms.
13. Contact Us
If you have questions about these Terms, please contact us through askannuityai.com. The Service is operated by Pacific Ridgeway.