Privacy Policy

We collect information you provide, information we generate about your use of the Services, and limited information from third parties you authorize.

• Identifiers you provideName, email address, phone number, and mailing state or ZIP submitted when you request your Annuity Position Score, contact a specialist, or subscribe to communications.
• Annuity review inputsAnswers to the assessment: contract type, cost band, surrender status, rider posture, credited-rate posture, income timing, and account type. The assessment does not require a policy number or account number to begin.
• Communications you sendMessages, questions, and any documents you voluntarily share with a licensed specialist after you engage one.
• Derived diagnosticsYour Annuity Position Score, five-pillar sub-scores, band, and plain-English observations produced by the deterministic scoring model.
• Usage and device dataIP address, device and browser data, referring URL, pages viewed, and interaction events collected via cookies and similar technologies.

• Deliver and improve the Services, including the assessment, the Annuity Position Score, and any specialist introduction you consent to.
• Match you with a licensed annuity professional in your state when you check the consent box and submit the form.
• Send follow-up emails about your results and related educational content, and allow an introduced licensed insurance professional to call you about your results and related insurance products, when you have checked the consent box (see Section 05).
• Secure the Services, prevent fraud, and enforce our Terms of Service.
• Comply with applicable law, regulator inquiries, and legitimate legal process.

We do not sell your personal information for money in the traditional sense. However, when you consent to contact and submit the form, we share your information with licensed specialists so they may contact you, and we may use advertising and analytics technologies. Under some state privacy laws (such as the California CPRA), these activities may be considered a "sale" or "sharing." You may opt out at any time using our Do Not Sell or Share My Personal Information page. Any AI system used in the Services (including Sage) processes your inputs solely to produce your own report and is not used to train third-party foundation models on identifiable data.

• Licensed specialistsWhen you check the consent box and submit the form, we may introduce you to a licensed annuity professional and share the information necessary for that professional to evaluate your position and contact you. Nothing is submitted without your consent.
• Service providersVetted vendors that host the Services, deliver email, run analytics, and provide security tooling. They are bound by contract to process personal information only on our instructions.
• Legal, safety, and complianceRegulators, courts, and law enforcement when we are legally required or when disclosure is necessary to investigate fraud, protect users, or enforce our Terms.
• Business transfersIn connection with a merger, acquisition, financing, or reorganization, subject to the protections in this Policy.

We use strictly necessary cookies to operate the site and, with your consent where required, analytics cookies to understand aggregate usage. You can control cookies via your browser and, where applicable, via our cookie banner. Details are in our Cookie Policy.

When you check the consent box and submit the assessment gate, you agree that Annuity Score One may send follow-up emails about your results and that an introduced licensed insurance professional may call the number you provided to discuss your results and related insurance products. This consent does not authorize text messages. Consent is not a condition of purchase. You may unsubscribe from emails at any time or ask to stop being contacted.

The exact consent shown at submission is versioned and retained with its text, timestamp, and IP address. Each submission remains governed by the version displayed when that person checked the box; later revisions do not relabel earlier records.

We retain personal information for as long as we maintain an active relationship with you, for the period needed to satisfy our legal, tax, insurance, and regulatory obligations, and to resolve disputes. Assessment inputs and derived scores are typically retained for up to seven (7) years to support recordkeeping obligations of the licensed specialists who review them. You can request earlier deletion as described in Section 07, subject to legal holds.

Depending on where you live, you may have the right to access, correct, delete, or port your personal information; to opt out of certain processing; and to withdraw consent. Residents of California (CCPA/CPRA), Virginia, Colorado, Connecticut, Utah, and other states with comprehensive privacy laws have specific rights, and residents of the EEA and United Kingdom have rights under the GDPR and UK GDPR.

California and other U.S. state residents may also submit a Do Not Sell or Share request via our Do Not Sell or Share My Personal Information page. We honor Global Privacy Control (GPC) browser signals as valid opt-out requests.

To exercise any of these rights, email info@omniacap.ai from the address associated with your inquiry or write to us at the address in Section 11. We will verify your identity before acting on any request. You will not be discriminated against for exercising a privacy right.

We use administrative, technical, and physical safeguards designed to protect personal information, including access controls, encryption in transit, and least-privilege practices for the licensed specialists who review inputs. No system is perfectly secure, and we cannot guarantee absolute security.

The Services are directed to adults and are not intended for anyone under 18. We do not knowingly collect personal information from children. If you believe a child has provided us information, contact us and we will delete it.

We will post any material changes on this page and update the "Last updated" date. Where required by law, we will provide additional notice or seek your consent.

Omnia Capital Partners USA LLC · 30 N Gould St, Ste 100, Sheridan, WY 82801 · Email: info@omniacap.ai.