Terms of Use

Educational purpose only

VariableAnnuityGuide.com and its Variable Annuity Calculator are provided for educational and informational purposes only. Nothing on this site constitutes financial advice, investment advice, tax advice, or a recommendation to purchase or sell any financial product.

The calculator produces illustrative simulations based on simplified mathematical models. Actual Variable Annuity performance depends on market conditions, specific contract terms, insurer creditworthiness, and other factors not fully captured by any simulation tool.

Always consult a qualified financial adviser before making investment decisions. Variable Annuities are complex products with significant fees, surrender charges, and tax implications that vary by individual circumstance.

Regulatory status

VariableAnnuityGuide.com is operated by Raganele Consulting. Neither VariableAnnuityGuide.com nor Raganele Consulting is regulated by the FCA, SEC, FINRA, or any other financial regulatory authority.

Nothing on this site constitutes a solicitation to purchase or sell any financial product. We do not provide personal financial advice, investment recommendations, or portfolio management services. We do not sell, broker, or distribute Variable Annuity contracts or any other financial products.

The calculator, API, educational content, and all other materials on this site are provided strictly for educational and informational purposes. Any investment decisions you make are your own responsibility. Always consult a qualified financial adviser.

No warranties

The site, calculator, and all content are provided "as is" without warranties of any kind, either express or implied. We do not warrant that:

• Calculations are error-free or complete
• Simulations reflect any specific VA product or insurer's terms
• Content is current, accurate, or applicable to your situation
• The site will be available without interruption

Limitation of liability

Raganele Consulting and VariableAnnuityGuide.com shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of or reliance on this site, its calculator, or its content. This includes but is not limited to financial losses resulting from investment decisions made based on information or simulations provided by this site.

Intellectual property

All content, code, simulations, and design on this site are the property of Raganele Consulting and are protected by copyright and intellectual property laws.

You may:

• Use the calculator for personal educational purposes
• Share links to the site and its pages
• Reference our educational content with attribution

You may not:

• Copy, reproduce, or redistribute the calculator code or simulations
• Create derivative works based on our calculator or content
• Use automated tools to scrape or extract content from the site
• Frame or embed the calculator on other websites without permission
• Reverse-engineer the simulation engine or computation methods

Third-party links

This site may contain links to third-party websites. We are not responsible for the content, privacy practices, or availability of external sites.

Acceptable use

You agree not to:

• Use the site for any unlawful purpose
• Attempt to interfere with the site's operation
• Misrepresent calculator outputs as official product illustrations
• Use the site to mislead consumers about Variable Annuity products

Governing law

These terms are governed by and construed in accordance with the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Changes to these terms

We reserve the right to update these terms at any time. Continued use of the site after changes constitutes acceptance of the revised terms.

Contact

For questions about these terms, contact us at info@variableannuityguide.com or use our contact form.