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Privacy Policy
Effective Date: July 1, 2004
This Privacy Statement explains our views and practices concerning privacy, and how they may pertain to you as a user of our website.

All information transmitted, printed or otherwise submitted to HarvestedWealth.com via this website shall be deemed to be the property of HarvestedWealth.com and OptimizeRetirementAssets.com shall be free to use such information for any lawful purposes.

This site contains links to other sites and we are not responsible for the privacy practices or the content of such sites.

Section 1: Collected Information
We automatically collect and/or track the following:

1. Web page http headers (home server domain names, IP address, type of client computer, and type of Web                 browser)  
2. Information knowingly provided by you through on-line forms, registration forms, surveys, and/or other entries, such as email addresses, personal, financial or demographic information
3. Information, user specific or aggregate, on what pages our visitors access
4. E-mail addresses of visitors that communicate with HarvestedWealth.com via e-mail.

Section 2: Use of Data Collected
We use your personal, demographic and profile data to enhance your experience at our site and to enable us to present content we think you might be interested in. We use your contact information to send you information about our company and promotional material from our partners. We may also use your personal, demographic and profile data to improve our site, for statistical analysis, for marketing and promotional purposes, and for editorial or feedback purposes for our advertisers. Information collected by us may be added to our databases and used for future communications regarding site updates, new products and services, upcoming events, and/or status of orders placed online. By using this site, you agree that you may be contacted in any manner even if your number is found on a do not call registry, in-house list or similar registry.

Section 3: Disclosure of Data to Third Parties
If you choose to provide personal information, it will be used for the following purposes:

1. Considering you for a HarvestedWealth.com product or service
2. As required by law; and
3. For marketing products and services which we determine, in our sole judgment, that you might find of interest. We reserve the right to share, rent, sell, or otherwise disclose data we collect to third parties. Any third party we share, rent, sell, or otherwise disclose data to will be pre-screened by us, determined by us to be reputable, and will use the personal data for marketing products and services which we determine, in our sole judgment, that you might find of interest.

Section 4: Your Opt-Out Rights
You may opt-out of receiving communications from us and/or our partners by not submitting your information. We also allow you to remove your information from our marketing lists. If you remove your information from our marketing lists it will no longer be used by us to send promotional correspondence to you. You can remove your information from our marketing lists by clicking on the Unsubscribe link at the bottom of the emails we send you, or by sending your request, in writing, via email to: [email protected]

Section 5: We Do Not Intend to Collect Data from Children

The information and services provided to us or our affiliates, sponsors, and advertisers are not intended to be viewed by children (under 18 years old). No information collected from children is knowingly used for any marketing or promotional purposes whatsoever. No part of HarvestedWealth.com’s website is structured to attract anyone under the age of 18.

Section 6: Our Right to Contact You
We reserve the right to contact you regarding your account status and changes to subscriber agreements, privacy policy, or any other policies or agreements relevant to you.

Section 7: Our Right to Change
We reserve the right to change this policy at any time by notifying you of the existence and location of the new or revised privacy policy or by posting the changes online at our site.

Section 8: Our Contact Information
If you have any questions about this privacy statement, the practices of this site, or your dealings with this website, you can contact us via email sent to: [email protected]

Section 9: Anti Spam Policy. Can-Spam Act Compliance
HarvestedWealth.com is dedicated to ensuring compliance with the Can-Spam Act, which took effect January 1, 2004. You may receive email from HarvestedWealth.com in the following circumstances:

1. Acknowledging your application has been received and requesting additional action
2. Requests for additional information to support your current application
3. Response to your inquiries regarding the status of your transactional requests
4. Thanking you for your valued business
5. Advertisements for our products, services, changes in services, new product availability
6. Advertisements for third party products and services where we have determined that such product or service may be of interest to our customers

To ensure compliance with the Can-Spam Act, HarvestedWealth.com has implemented the following guidelines for email delivery:

1. All emails sent to you by HarvestedWealth.com will clearly identify Annuity Gator as the sender.
2. The Subject Line of any email you receive will always accurately describe the subject matter of the email.
3. Any email from HarvestedWealth.com will include the ability to unsubscribe from future email messages.
4. Unsubscribing will ensure the customer is removed from HarvestedWealth.com’s automated-email list.
5. All emails sent to you directly by HarvestedWealth.com include valid postal address information in the footer.
6. All third party marketing partners are required to comply with the Can-Spam Act.
7. Emails sent to you directly by HarvestedWealth.com will include an email address and physical address where  you can send suggestions, complaints or other correspondence.

Summary
AnnuityGator.com understands consumers’ concerns over the use of their personal information. We hope this information will relieve any concerns your company may have regarding our email policies. HarvestedWealth.com and its affiliated sites use only an opt-in or opt out method of obtaining customer information, and it is not our policy or desire to send unsolicited emails. We obtain email addresses and personal information from third parties that follow the same set of policies. HarvestedWealth.com’s email messages sent always include instructions on how recipients can unsubscribe from receiving future email messages.

From time to time, HarvestedWealth.com will enter into an arrangement with a third party website to allow individuals to opt into our marketing program on those third party websites. In each case the third party websites have represented and warranted to us, among other things, that the data was collected voluntarily from individuals on website registrations and co-registrations, that the sellers have a right, under any applicable privacy statements, to transfer the data to us, and
that HarvestedWealth.com has the right to send marketing offers to the individuals.
We hope this information satisfies any questions or concerns you may have regarding the email practices of HarvestedWealth.com. If you have additional questions or wish to discuss this matter further, please contact us at:[email protected]
Copyright 2016 - Mel Aguilar, Design Benefits Financial & Insurance Service - All Rights Reserved
Annuity product guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Annuity riders may be available for an additional annual premium that can provide additional benefits and income guarantees. By contacting us you may speak with an insurance licensed agent in your state, and you may be offered insurance products for sale.
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