Apex Annuities is a DBA of LinkPath LLC, a California limited liability company. Apex Annuities does not sell, recommend, advise on, or solicit annuity products or any other financial or insurance products. We are not an insurance company, registered investment advisor, broker-dealer, or licensed financial services firm of any kind. The name Apex Annuities reflects the professional market we serve — not services we provide. Our services consist exclusively of marketing services and a professional resource platform for licensed independent insurance professionals. This platform is not intended for consumers.
Scope of This Policy
This Privacy Policy applies to licensed insurance professionals, IMO representatives, and other business contacts who access or inquire about the Apex Annuities platform. It does not apply to consumers. Consumer data practices are governed by separate policies applicable to the consumer-facing platforms operated by LinkPath LLC.
Registered business: Apex Annuities, a DBA of LinkPath LLC · 2108 N St, Suite N, Sacramento, CA 95816
Information We Collect
We collect information necessary to evaluate professional inquiries, establish platform relationships, deliver marketing services, and operate our platform.
Information you provide directly:
- First and last name
- Email address and phone number
- Company or practice name
- Professional license information and state(s) of licensure
- Business address
- Information about your current practice and marketing activities
- Billing and payment information for platform services
Information collected automatically:
- IP address and general geographic location
- Browser type, version, and operating system
- Pages visited, features accessed, and time spent on the platform
- Referring website or URL and platform usage data
Information from third parties: We may receive information from referral partners, IMO organizations, or professional verification sources in connection with evaluating your application or establishing a platform relationship.
How We Use Your Information
- Evaluating and processing your platform inquiry or application
- Establishing and managing your professional relationship with Apex Annuities
- Delivering marketing services, platform access, and professional resources
- Processing billing and payments for platform services
- Communicating about your account, platform updates, and service changes
- Verifying professional credentials and license status
- Improving our platform, tools, and service offerings
- Complying with applicable legal and regulatory obligations
We do not use your professional information for unsolicited commercial marketing unrelated to Apex Annuities platform services.
Cookies and Tracking Technologies
Essential cookies support basic site functionality including navigation, form submission, and platform access and cannot be disabled without affecting performance.
Analytics cookies help us understand how visitors use this website and how our professional outreach performs, informing platform improvements and marketing effectiveness decisions.
Advertising cookies may be used in connection with digital advertising programs targeting licensed insurance professionals, including Meta (Facebook) advertising. These tools operate under their own privacy policies.
Third-party platform cookies may be set by CRM systems, scheduling tools, and communication infrastructure we use to operate the platform.
You can manage or disable cookies through your browser settings. We do not sell data collected through cookies to third parties.
How We Share Your Information
LinkPath LLC does not sell or rent personal information to third parties for their own independent marketing purposes. We may share information in the following limited circumstances:
- Technology service providers: Third-party platforms used to operate our website, manage CRM and communications, process payments, and deliver platform services. These providers are contractually prohibited from independent use of your information.
- IMO and referral partners: If you were referred through an IMO or referral partner relationship, we may share relevant account and performance information as part of that relationship.
- Professional verification: Credential verification services to confirm professional licensing status.
- Legal requirements: If required by law, court order, or government request, or to protect the rights and interests of LinkPath LLC.
- Business transitions: In the event of a merger, acquisition, or sale of assets, subject to equivalent privacy protections.
Professional Communications
By submitting an inquiry or application, you consent to receive communications from Apex Annuities and LinkPath LLC related to your inquiry, platform access, and account management via email, phone, or SMS.
SMS communications: Message frequency varies based on account activity. Standard message and data rates may apply. Reply STOP to opt out at any time. Reply HELP for assistance.
To stop receiving non-essential communications, contact us at [email protected]. Certain transactional communications related to your active account cannot be disabled while your account remains active.
Independent Professional Status
Professionals who access the Apex Annuities platform are independent contractors, not employees or agents of Apex Annuities or LinkPath LLC. Nothing in this policy creates an employment, agency, or partnership relationship. Professionals are responsible for their own compliance with all applicable laws and regulations governing their licensed activities.
Data Security
LinkPath LLC implements appropriate administrative, technical, and physical safeguards to protect information collected through this platform from unauthorized access, disclosure, alteration, or destruction. No method of internet transmission or electronic storage is completely secure. We encourage professionals to maintain appropriate security practices for their own systems and accounts.
Data Retention
We retain professional account information for the duration of the platform relationship and for a reasonable period thereafter to support account management, billing records, dispute resolution, and legal compliance. You may request deletion of non-essential personal information at any time using the contact information below, subject to our legal retention requirements.
Your Privacy Rights
Depending on your location, you may have the right to:
- Access the personal information LinkPath LLC holds about you
- Request correction of inaccurate or incomplete information
- Request deletion of your personal information, subject to legal retention requirements
- Withdraw consent for non-essential communications
- Receive a copy of your personal information in a portable format
To exercise any of these rights, contact us using the information in Section 12. We will respond to verified requests within 30 days.
California Privacy Rights (CCPA / CPRA)
California residents have additional rights including the right to know what personal information we collect, delete it, correct inaccuracies, opt out of the sale or sharing of personal information, and non-discrimination for exercising these rights. LinkPath LLC does not sell personal information. California residents may submit privacy requests using the contact information below.
Contact Information
For questions about this Privacy Policy, to exercise your privacy rights, or to request deletion or correction of your information:
Changes to This Policy
LinkPath LLC may update this Privacy Policy to reflect changes in our practices, technology, platform services, or applicable law. We will update the "Last updated" date at the top of this page and notify active platform users via email. Continued use of the platform after changes are posted constitutes acceptance of the updated policy.