What we collect when you request an Annuity X-Ray, what we do with it, and when we delete it.
Last updated September 27, 2026
Draft — pending compliance review
This page describes how the service actually works today, but the wording has not yet been through compliance review and is not final. It is published in staging so it can be reviewed, not as a finished legal document.
We never sell your information. We use it only to prepare and deliver your review, working with the service providers necessary to complete that process.
The statement you upload is encrypted in transit and in storage, read only by the team preparing your report, and deleted within 30 days of your report being delivered.
From the chat: your first name, email address, and mobile number if you choose to give one. Also your answers to a handful of questions — why you originally bought your annuity, what matters to you now, how you feel about the contract today, your state of residence and your age band.
From your upload: the annuity statement or contract pages you send us. We ask you to black out or leave out your name and contract number, because we do not need them. What we work from is the insurance company, the product, and the values, fees, riders and dates.
Automatically: the pages you visit on this site, your approximate location derived from your network address, and standard technical information your browser sends. Photographs you upload have their embedded metadata, including any GPS location your phone recorded, stripped on arrival before the file is stored.
We do not ask for and do not want your Social Security number, your account credentials, or your contract number.
To prepare your Annuity X-Ray and deliver it to you.
To contact you about that report, and — if you ask for one — to schedule a Full Review.
To send you the timing reminders specific to your own contract that your report describes, such as a notice before a surrender charge steps down. You can stop these at any time.
To improve our service, using product-level information with your personal details removed.
We never sell your information and we do not share it for anyone else's advertising.
We do share it with the service providers that make this service work: our customer relationship and email platform, our hosting and database providers, and the licensed agents who prepare and review your report. They act on our instructions and may use your information only to provide their service to us.
We may disclose information where the law requires it, or to protect our rights or someone's safety.
Uploaded statements and contract documents: deleted within 30 days of your report being delivered, and in every case no later than 45 days after you upload them, whatever stage your report has reached. Deletion covers every place the file was held.
Your contact details, your answers, and the information read from your documents: kept as the record of the review we performed for you.
Product-level information with your personal details removed, such as an insurance company and a fee structure: kept indefinitely so we can write better educational material.
Your contract number is never copied into our systems and disappears with the document it was written on.
Unsubscribe from any email using the link in it. Reply STOP to any text message to stop texts.
Ask us to delete your information, or to tell you what we hold, by contacting us. We will respond as the law requires.
You can decline to give a mobile number and still receive your report by email.
The assistant on our X-Ray page is software, not a person, and it says so. It collects your details and answers your questions about the process. It does not give advice and it does not decide anything about your contract. A member of our team prepares and reviews every report.
Replies to any email we send you reach a monitored inbox, not a no-reply address.
Listed here rather than invented. Nothing below has been drafted.