Ulloa Financial, LLC Privacy Policy

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Effective Date: August, 2020
Last Updated: July, 2026

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Ulloa Financial, LLC respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, protect, and retain information when you visit our website, communicate with us, request educational resources, register for an event, or inquire about our financial planning, insurance, retirement, wealth management, or related services.

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This Privacy Policy applies to information collected through www.ulloafinancial.com and other online services that link to this policy.

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This website policy is separate from any privacy notice Ulloa Financial may be required to provide to clients under applicable financial-services laws. Regulation P may require covered financial institutions, including certain insurance agents and financial advisory providers, to give customers notices describing how nonpublic personal information is collected and shared. (Consumer Financial Protection Bureau)

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1. Information We May Collect

The information we collect depends on how you interact with Ulloa Financial.

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Information You Provide Directly

We may collect information you voluntarily provide, including:

• Your name

• Email address

• Telephone number

• Mailing address

• State of residence

• Preferred method of contact

• Information submitted through contact, consultation, registration, or appointment forms

• Questions or comments you send to us

• Information provided when downloading a guide, checklist, worksheet, or other educational resource

• Information provided when registering for a webinar, workshop, seminar, or event

• Information you provide when requesting information about financial planning, retirement, insurance, annuities, wealth management, or business planning

• Information contained in documents or communications you provide to us

 

Please do not submit Social Security numbers, account numbers, medical information, passwords, tax records, or other highly sensitive information through a general website contact form.

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Information Collected Automatically

When you visit our website, certain information may be collected automatically through cookies, pixels, analytics tools, server logs, and similar technologies. This information may include:

• Internet Protocol address

• Browser type

• Device type

• Operating system

• Referring website

• Pages viewed

• Links selected

• Date and time of your visit

• Approximate geographic location

• Time spent on the website

• Website navigation and interaction data

 

Information From Other Sources

We may receive information from:

• Appointment-scheduling providers

• Email and marketing platforms

• Webinar or event-registration platforms

• Social media platforms

• Insurance carriers

• Financial-services providers

• Professional referral partners

• Publicly available sources

• Service providers that support our website and business operations

 

Information received from third parties is subject to their own privacy practices as well as this policy when the information is maintained by Ulloa Financial.

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2. How We Use Information

We may use personal information to:

• Respond to inquiries and requests

• Schedule consultations or meetings

• Provide requested guides, checklists, newsletters, or educational materials

• Register visitors for webinars, workshops, seminars, or events

• Explain our services

• Evaluate whether our services may be appropriate for a prospective client

• Provide financial planning, insurance, retirement, wealth management, or related services

• Maintain and improve our website

• Personalize website content and communications

• Send service-related messages

• Send newsletters, educational updates, event invitations, or marketing communications when permitted

• Maintain business and client records

• Detect and prevent fraud, misuse, security threats, or unlawful activity

• Comply with legal, regulatory, contractual, and professional obligations

• Protect the rights, safety, property, and operations of Ulloa Financial, our clients, and others

• Establish, exercise, or defend legal claims

 

We will not use information in a manner that is materially inconsistent with the purpose for which it was collected unless permitted by law or after providing appropriate notice.

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3. How We May Disclose Information

We may disclose information in the following circumstances.

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Service Providers

We may share information with companies that perform services on our behalf, including:

• Website hosting and technology providers

• Customer relationship management providers

• Email communication platforms

• Appointment-scheduling providers

• Webinar and event platforms

• Data-storage providers

• Cybersecurity providers

• Payment processors

• Professional consultants

• Marketing and analytics providers

• Document-management and electronic-signature providers

 

These providers are authorized to use information only as necessary to perform services for us or as otherwise permitted by law and their agreements with Ulloa Financial.

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Financial, Insurance, and Professional Service Providers

When appropriate and authorized, information may be shared with:

• Insurance companies

• Insurance general agencies

• Broker-dealers

• Investment advisers

• Custodians

• Financial institutions

• Accountants and tax professionals

• Attorneys and estate-planning professionals

• Third-party administrators

• Other professionals involved in serving a client

 

Information is shared only when reasonably necessary to evaluate, recommend, apply for, implement, administer, or service an authorized financial or insurance strategy.

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Legal and Regulatory Purposes

We may disclose information when reasonably necessary to:

• Comply with a law, regulation, court order, subpoena, or legal process

• Respond to governmental, regulatory, licensing, or law-enforcement requests

• Detect or prevent fraud or unlawful conduct

• Protect our rights, property, safety, clients, or the public

• Enforce our agreements, policies, or website terms

 

Business Transactions

Information may be disclosed in connection with a merger, acquisition, restructuring, financing, sale of assets, business transition, or similar transaction, subject to applicable legal and confidentiality requirements.

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With Your Direction or Consent

We may disclose information when you ask us to do so, authorize the disclosure, or direct us to coordinate with another person or professional.

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4. We Do Not Sell Personal Information

Ulloa Financial does not sell personal information for monetary compensation.

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We do not disclose Social Security numbers, financial account numbers, health information, or other sensitive client information to unaffiliated third parties for their independent marketing purposes.

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Certain website analytics or advertising technologies may be treated as “sharing,” “targeted advertising,” or a “sale” under the laws of some states, even when no money is exchanged. Ulloa Financial will provide any legally required choices based on the technologies actually used on the website.

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5. Cookies and Similar Technologies

Our website may use cookies and similar technologies to:

• Enable basic website functions

• Remember preferences

• Understand website traffic and visitor activity

• Improve website performance

• Measure the effectiveness of communications

• Support embedded videos, scheduling tools, forms, or social media features

• Provide relevant content or advertising, when applicable

 

You may be able to manage cookies through your browser settings or through a cookie-preference tool displayed on the website.

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Disabling certain cookies may affect website functionality.

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6. Analytics and Third-Party Features

The website may use third-party services such as:

• Website analytics

• Embedded video players

• Scheduling applications

• Contact forms

• Maps

• Social media integrations

• Email subscription tools

• Webinar registration systems

 

These third parties may collect information directly from your browser or device and may use cookies or similar technologies. Their information practices are governed by their own privacy policies.

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A link to or integration with a third-party website does not mean Ulloa Financial controls or endorses that third party’s privacy practices.

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7. Email and Marketing Communications

When you subscribe to a newsletter, request a resource, register for an event, or otherwise consent to receive communications, we may send educational content, event information, firm updates, and information about services.

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You may unsubscribe from marketing emails by selecting the unsubscribe link included in the message.

Even after opting out of marketing communications, you may continue to receive:

• Appointment confirmations

• Responses to inquiries

• Service-related notices

• Client communications

• Legal or compliance notices

• Security alerts

• Transactional messages

 

8. Text Messages and Telephone Communications

When you provide a telephone number and consent to be contacted, Ulloa Financial may communicate with you by telephone or text message regarding appointments, inquiries, services, or events.

 

Message and data rates may apply.

 

Consent to receive marketing text messages is not a condition of purchasing any product or service.

 

You may withdraw consent to marketing text messages by replying STOP, where applicable, or by contacting us using the information below.

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9. Financial Privacy

Information provided during a client or prospective-client relationship may include nonpublic personal information protected by federal or state financial privacy laws.

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Depending on the services provided and the regulatory status applicable to the relationship, Ulloa Financial may provide a separate financial privacy notice describing:

• Categories of information collected

• Categories of information disclosed

• Categories of recipients

• Information-security practices

• Applicable opt-out rights

• Policies concerning former clients

 

Regulation P requires covered privacy notices to accurately describe applicable collection and disclosure practices. It may also require revised notices before certain new disclosures occur. (Consumer Financial Protection Bureau)

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The federal model privacy form may be used by qualifying financial institutions to satisfy certain Regulation P notice requirements, but it follows prescribed content and formatting rules. (Consumer Financial Protection Bureau)

 

10. How We Protect Information

Ulloa Financial uses reasonable administrative, technical, and physical safeguards designed to protect personal information from:

• Unauthorized access

• Improper use

• Alteration

• Disclosure

• Loss

• Destruction

 

Safeguards may include access controls, password protection, secure technology providers, staff procedures, data-storage protections, and vendor oversight.

No website, electronic communication, or data-storage system can be guaranteed to be completely secure. You should use caution when sending information electronically and avoid sending sensitive financial or personal information through unsecured email or general website forms.

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11. Data Retention

We retain personal information for as long as reasonably necessary to:

• Fulfill the purpose for which it was collected

• Maintain business and client records

• Provide requested services

• Meet legal, regulatory, licensing, insurance-carrier, contractual, and professional obligations

• Resolve disputes

• Enforce agreements

• Protect against fraud and legal claims

 

Retention periods may vary based on the type of information and the nature of the relationship.

When information is no longer reasonably required, we may securely delete, destroy, anonymize, or deidentify it, subject to applicable requirements.

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12. Your Privacy Choices and Rights

Depending on your state of residence and applicable law, you may have the right to request:

• Confirmation of whether we process your personal information

• Access to certain personal information

• Correction of inaccurate personal information

• Deletion of certain personal information

• A portable copy of certain personal information

• Information about categories of data collected or disclosed

• Opting out of certain targeted advertising, sales, or sharing

• Limitation of certain uses of sensitive personal information

• Withdrawal of consent

• An appeal of a decision concerning a privacy request

 

These rights are not absolute. Exceptions may apply when information must be retained for legal, regulatory, security, contractual, or business purposes.

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The Florida Digital Bill of Rights includes privacy-notice and data-processing requirements for entities meeting its statutory definitions and applicability thresholds. Its applicability to Ulloa Financial should be evaluated based on the firm’s size, revenues, data practices, and exemptions. (The Florida Senate)

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To submit a privacy request, contact us using the information in Section 18.

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We may need to verify your identity before processing a request. An authorized agent may submit a request when permitted by law, but we may require evidence of the agent’s authority.

We will not discriminate against you for exercising an applicable privacy right.

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13. State-Specific Privacy Notices

Residents of certain states may have additional privacy rights.

Ulloa Financial will process verified privacy requests in accordance with the laws that apply to the individual, the information, and the firm’s activities.

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Because state privacy requirements differ and continue to change, Ulloa Financial may supplement this policy with state-specific notices when necessary.

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14. Children’s Privacy

This website is intended for adults and is not directed to children under 13.

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Ulloa Financial does not knowingly collect personal information online directly from children under 13 without legally required parental consent.

 

If we learn that information was collected from a child in a manner inconsistent with applicable law, we will take reasonable steps to delete it.

 

15. Nationwide Services and State Availability

Ulloa Financial may provide education and certain services to individuals nationwide.

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Financial, advisory, insurance, and other regulated services are offered only where Ulloa Financial and the appropriate professionals are properly registered, licensed, authorized, or exempt from such requirements.

Insurance products, professional services, and product availability may vary by state.

 

16. External Websites

Our website may contain links to websites operated by other organizations.

 

Ulloa Financial is not responsible for the privacy, security, content, or data practices of external websites. You should review the privacy policy of each website you visit.

 

17. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect:

• Changes in our practices

• New technologies

• Changes in services

• Legal or regulatory developments

• Website modifications

 

The revised policy will be posted on this page with an updated “Last Updated” date.

 

When required, we may provide additional notice or obtain consent before applying a material change to information already collected.

 

18. Contact Ulloa Financial

Questions, concerns, and privacy requests may be directed to:

Ulloa Financial, LLC
Attn: Privacy
14342 SW 43 Ter
Miami, FL 33175
United States

 

Email: info@ulloafinancial.com
Telephone: (305) 479-4734
Website: www.ulloafinancial.com

Please include “Privacy Request” in the subject line of written or electronic requests.