Terms of Service
Last updated: May 2, 2026
These Terms of Service ("Terms") govern your access to and use of the Marin Annuity Group website at marinannuitygroup.com and the weekly rate-update email service (collectively, the "Service") operated by Marin Annuity Group ("we," "us," "our"). By submitting our Instant Form on Facebook or Instagram, subscribing to our email, or using the Service in any way, you agree to be bound by these Terms.
1. Eligibility
You must be at least 18 years old and a resident of the United States to use the Service. By using the Service, you represent and warrant that you meet these requirements.
2. The Service
The Service consists of an informational weekly email summarizing current top guaranteed-rate savings products (such as multi-year guaranteed annuities, or "MYGAs") and certificate-of-deposit ("CD") rates available from A-rated insurance companies and federally insured banks. The Service is informational and educational only.
The Service is not financial, investment, tax, legal, or insurance advice. Rates, products, and product availability change frequently and are subject to issuer underwriting, suitability review, and state availability. Nothing in our website or weekly email is an offer to sell, or a solicitation of an offer to buy, any annuity, insurance product, deposit product, security, or other financial instrument.
3. No advisory relationship
Using the Service does not create an agent–client, broker–client, fiduciary, or advisory relationship between you and Marin Annuity Group. Any decision to purchase an annuity, CD, or any other financial product is yours alone, and should be made only after you (a) review the issuer's contract, disclosure documents, and rates current at the time of application, and (b) consult a licensed insurance agent, financial advisor, or tax professional appropriate to your situation.
4. Accuracy of rates and product information
We make a good-faith effort to publish rates and product details accurately as of the time the weekly email is sent. However:
- Rates can change at any time, including before you receive or read the email.
- Rate availability depends on the issuing carrier or bank, your state of residence, your age, the deposit amount, and other factors.
- "A-rated" refers to financial-strength ratings from independent rating agencies (such as AM Best, S&P, Moody's, or Fitch) at the time of publication; ratings can change.
- FDIC and SIPC coverage applies only to specific account types and within stated limits; annuities are not FDIC-insured and are backed by the financial strength of the issuing insurance carrier and applicable state guaranty associations.
You agree not to rely on the Service as the sole basis for any purchase decision, and you accept that any rate quoted or product described in the Service may not be available to you on the same terms when you apply.
5. Acceptable use
You agree not to:
- Submit false, misleading, or impersonated information through any of our forms.
- Use the Service for any unlawful purpose or in violation of any applicable federal, state, or local law.
- Attempt to access, interfere with, or disrupt the Service's infrastructure, security, or other users.
- Scrape, harvest, or republish the contents of our weekly email or website without written permission.
6. Email subscription and unsubscribe
By submitting your email through any Marin Annuity Group form (including Facebook or Instagram Instant Forms), you consent to receive the weekly rate-update email and occasional related communications. Every email contains a one-click unsubscribe link, which is the primary way to end your subscription. You can also email us at the address in Section 11 to unsubscribe.
7. Intellectual property
All content on the website and in the weekly email — including text, layout, graphics, and the "Marin Annuity Group" name and logo — is owned by Marin Annuity Group or its licensors and is protected by United States copyright and trademark law. We grant you a personal, non-exclusive, non-transferable, revocable license to view the website and read the weekly email for your own non-commercial use. Any other use requires our prior written permission.
8. Third parties and external links
The weekly email may reference third-party insurance carriers, banks, products, or websites. Marin Annuity Group is not responsible for the content, products, accuracy, terms, or privacy practices of any third party. Any transaction you enter into with a third-party carrier or bank is solely between you and that third party.
9. Disclaimers
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, OR THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE. WE DO NOT WARRANT THAT ANY RATE, PRODUCT, OR ISSUER REFERENCED IN THE SERVICE WILL BE AVAILABLE TO YOU OR ON THE TERMS DESCRIBED.
10. Limitation of liability
TO THE FULLEST EXTENT PERMITTED BY LAW, MARIN ANNUITY GROUP AND ITS OFFICERS, EMPLOYEES, AND AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR INVESTMENT RETURNS, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF, OR INABILITY TO USE, THE SERVICE — EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATED TO THE SERVICE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100). Some jurisdictions do not allow the exclusion or limitation of certain damages; in such jurisdictions, our liability is limited to the maximum extent permitted by law.
11. Indemnification
You agree to defend, indemnify, and hold harmless Marin Annuity Group and its officers, employees, and affiliates from any claim, demand, damage, loss, liability, or expense (including reasonable attorneys' fees) arising out of or related to your use of the Service, your breach of these Terms, or your violation of any law or third-party right.
12. Governing law and disputes
These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws principles. Any dispute arising out of or relating to these Terms or the Service will be resolved exclusively in the state or federal courts located in Marin County, California, and you consent to the personal jurisdiction of those courts. Nothing in this section limits any consumer rights you have under the laws of your state of residence that cannot be waived by agreement.
13. Changes to these Terms
We may update these Terms from time to time. The "Last updated" date at the top of this page reflects the most recent change. Material changes will be communicated in the weekly email at least 14 days before they take effect. Your continued use of the Service after a change takes effect constitutes acceptance of the updated Terms.
14. Severability and entire agreement
If any provision of these Terms is held to be unenforceable, the remaining provisions will remain in full force and effect. These Terms, together with our Privacy Policy, constitute the entire agreement between you and Marin Annuity Group regarding the Service.
15. Contact
For questions about these Terms or to exercise any rights under them: