Ulloa Financial, LLC Terms of Use

Effective Date: August, 2020
Last Updated: July, 21, 2026

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These Terms of Use govern your access to and use of www.ulloafinancial.com, including its pages, articles, videos, webinars, guides, checklists, worksheets, forms, tools, and other content.

By accessing or using this website, you acknowledge that you have read, understood, and agreed to these Terms of Use. If you do not agree, please discontinue use of the website.

1. About Ulloa Financial

Ulloa Financial, LLC provides financial education and may offer financial planning, retirement planning, wealth coordination, risk management, insurance, annuity, business planning, and related services.

Services are offered only where Ulloa Financial and any participating professionals are properly licensed, registered, authorized, or exempt from applicable requirements.

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

2. Educational Information Only

The information presented on this website is provided for general educational and informational purposes.

Website content should not be considered:

• Individualized financial advice

• Investment advice

• Insurance advice

• Tax advice

• Legal advice

• Accounting advice

• A recommendation to purchase or sell any security, insurance product, annuity, or financial instrument

• A substitute for a personalized financial planning engagement

• A guarantee that any strategy, service, or product is appropriate for you

Financial decisions should be evaluated based on your personal circumstances, goals, financial position, time horizon, liquidity needs, risk tolerance, tax situation, family responsibilities, and other relevant considerations.

You should consult the appropriate financial, investment, insurance, tax, legal, or accounting professional before making decisions.

3. No Client or Advisory Relationship

Your use of this website does not create:

• A financial planning relationship

• An investment advisory relationship

• An insurance agent-client relationship

• A fiduciary relationship

• An attorney-client relationship

• An accountant-client relationship

• Any other professional relationship

Submitting a contact form, requesting a guide, registering for a webinar, subscribing to communications, or scheduling an introductory meeting does not by itself establish a client relationship.

A professional relationship is created only after the appropriate agreements, disclosures, applications, authorizations, and other required documents have been completed and accepted.

4. No Offer or Solicitation

Nothing on this website constitutes an offer to sell or a solicitation to purchase:

• Securities

• Investment advisory services

• Insurance policies

• Annuities

• Financial products

• Legal services

• Tax services

• Any other regulated product or service

Any offer or recommendation will be made only after reviewing the individual’s circumstances and completing any required suitability, needs-based, regulatory, licensing, or contractual process.

5. Investment Risk

Investing involves risk, including the possible loss of principal.

The value of investments may rise or fall, and investment returns are not guaranteed. Past performance does not guarantee future results. The Securities and Exchange Commission cautions investors against relying too heavily on past performance when evaluating an investment. (SEC)

Any examples, illustrations, market commentary, projections, or hypothetical scenarios presented on this website are educational and may not reflect actual results.

Investment strategies should be evaluated according to the individual’s objectives, financial circumstances, risk tolerance, time horizon, and liquidity needs.

6. Insurance and Annuity Information

Insurance and annuity information presented on this website is educational and does not constitute a recommendation to purchase a specific product.

Insurance and annuity products:

• Are issued by unaffiliated insurance companies

• Are subject to eligibility and underwriting requirements

• May include fees, charges, limitations, exclusions, surrender periods, or penalties

• May not be available in every state

• May vary by carrier and contract

• Are subject to the terms of the applicable policy or contract

Guarantees are based on the claims-paying ability of the issuing insurance company.

Indexed insurance and annuity products are not direct investments in a market index. Index values may be used to determine interest-crediting calculations, subject to the contract’s terms, caps, participation rates, spreads, floors, and other limitations.

Policy loans and withdrawals may reduce cash value and death benefits and may create tax consequences or cause a policy to lapse.

7. Tax and Legal Coordination

Ulloa Financial may provide general education regarding tax-aware planning, estate planning coordination, beneficiary planning, charitable giving, business succession, and related matters.

Unless specifically stated in writing and provided by an appropriately qualified professional, Ulloa Financial does not:

• Prepare tax returns

• Issue legal opinions

• Draft legal documents

• Provide legal representation

• Provide individualized tax or legal advice

Clients and website visitors should consult their own attorney, certified public accountant, enrolled agent, or other qualified professional.

8. Website Content and Accuracy

Ulloa Financial seeks to provide accurate, useful, and timely information. However, financial laws, tax rules, regulations, market conditions, product features, and planning considerations can change.

We do not warrant that website content is:

• Complete

• Current

• Error-free

• Appropriate for every user

• Suitable for a particular purpose

• Available without interruption

Content may be updated, revised, removed, or replaced without notice.

You are responsible for independently verifying information before relying on it.

9. Market Commentary and Economic Information

Articles, videos, webinars, and Market Compass presentations may discuss:

• Financial markets

• Interest rates

• Inflation

• Economic reports

• Government policy

• Corporate earnings

• Geopolitical developments

• Investment risks

• Financial planning implications

Such content reflects information and viewpoints available as of the stated date. Market conditions and expectations may change without notice.

Market commentary is not a forecast, promise, recommendation, or guarantee of future results.

10. Calculators, Worksheets, and Illustrations

The website may provide calculators, worksheets, checklists, guides, projections, examples, or hypothetical illustrations.

These resources may depend on assumptions supplied by the user or selected for educational purposes. Actual outcomes may differ because of:

• Market performance

• Inflation

• Taxes

• Fees and expenses

• Interest rates

• Life expectancy

• Income changes

• Spending changes

• Insurance costs

• Product terms

• Legal or regulatory changes

• Other circumstances

Results from a calculator or worksheet should not be treated as a personalized recommendation or guarantee.

11. Third-Party Information and Links

This website may contain links to third-party websites, resources, platforms, services, videos, articles, or applications.

Ulloa Financial does not control and is not responsible for:

• Third-party content

• Third-party privacy practices

• Website security

• Product or service availability

• Accuracy of third-party information

• Terms imposed by third parties

A link does not necessarily represent an endorsement, recommendation, partnership, or affiliation.

You access third-party websites at your own discretion and subject to their terms and policies.

12. Appointment Scheduling and Contact Forms

The website may allow users to:

• Submit questions

• Request information

• Schedule an appointment

• Register for an event

• Subscribe to communications

• Download educational materials

You agree to provide accurate and current information.

Do not submit highly sensitive information through a general contact form, including:

• Social Security numbers

• Account numbers

• Passwords

• Tax returns

• Medical records

• Complete financial statements

• Copies of identification

• Credit card details

Sensitive information should be transmitted only through an approved secure method.

13. Electronic Communications

When you communicate with Ulloa Financial electronically, you consent to receive responses through email, telephone, text message, video conference, or another communication method you have authorized.

Electronic communications may not always be secure. Do not transmit confidential information through unsecured email unless directed to an approved secure system.

You are responsible for maintaining accurate contact information and protecting access to your devices and email accounts.

14. Marketing Communications

When you request a resource, register for an event, subscribe to a newsletter, or otherwise provide consent, Ulloa Financial may send:

• Educational content

• Financial planning information

• Event invitations

• Webinar announcements

• Firm updates

• Service information

You may unsubscribe from marketing emails through the link included in the communication.

You may continue to receive transactional, appointment-related, service-related, compliance, or security communications.

15. Text Messages

When you provide a mobile telephone number and authorize text communications, you agree that Ulloa Financial may send messages concerning:

• Appointments

• Requested information

• Events

• Client services

• Educational communications

Message and data rates may apply.

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

You may withdraw consent by replying STOP, when available, or by contacting Ulloa Financial.

16. Acceptable Use

You agree not to use this website to:

• Violate any law or regulation

• Infringe intellectual property rights

• Attempt to gain unauthorized access to systems or information

• Introduce viruses, malware, or harmful code

• Interfere with website operation

• Collect information about other users without authorization

• Impersonate another person or organization

• Submit false or misleading information

• Use automated systems to scrape, copy, or extract website content without permission

• Circumvent security features

• Use website content for unlawful, deceptive, or misleading purposes

• Misrepresent Ulloa Financial’s services, credentials, affiliations, or statements

We may restrict or terminate website access when misuse is suspected.

17. Intellectual Property

Unless otherwise stated, website content is owned by or licensed to Ulloa Financial, LLC and may be protected by copyright, trademark, trade dress, and other intellectual property laws.

Protected content may include:

• Text

• Articles

• Videos

• Webinars

• Guides

• Checklists

• Worksheets

• Graphics

• Logos

• Photographs

• Page layouts

• Designs

• Audio

• Downloadable resources

• The phrase and brand presentation associated with “Elevate Your Legacy”

The U.S. Copyright Office notes that unauthorized use of protected text, images, logos, videos, and other materials may infringe intellectual property rights. (U.S. Copyright Office)

You may use downloadable educational resources for your own personal, noncommercial use unless another license is expressly provided.

You may not, without written permission:

• Reproduce substantial portions of the website

• Republish content

• Sell or sublicense materials

• Remove copyright or trademark notices

• Modify resources and present them as your own

• Use Ulloa Financial branding in a way that suggests endorsement

• Upload materials to another website or commercial database

• Use materials to train or develop a commercial artificial intelligence system

Brief quotations may be used when permitted by law and accompanied by appropriate attribution.

18. User Submissions

If the website allows comments, questions, testimonials, reviews, or other submissions, you represent that:

• You have the right to submit the material

• The information is accurate to the best of your knowledge

• The submission does not violate another person’s rights

• The submission is not unlawful, defamatory, fraudulent, or misleading

Do not submit confidential information belonging to another person without authorization.

Submitting content does not require Ulloa Financial to publish, respond to, or retain it.

19. Testimonials and Endorsements

Testimonials, reviews, endorsements, or client statements reflect the experiences of the individuals providing them.

Individual experiences may vary and should not be interpreted as:

• A guarantee of results

• A promise of future performance

• A statement that every client will have the same experience

• A substitute for evaluating whether a service is appropriate for you

Any material relationship, compensation, or other required disclosure associated with an endorsement should be presented clearly and in proximity to the relevant statement. The FTC emphasizes that important disclosures should be clear, understandable, noticeable, and difficult to miss. (Federal Trade Commission)

20. Availability and Website Operation

We may modify, suspend, discontinue, or restrict any part of the website at any time.

We do not guarantee that:

• The website will always be available

• Access will be uninterrupted

• Defects will be corrected immediately

• The website will be free of harmful components

• All features will remain available

Scheduled or unscheduled maintenance may affect website access.

21. Disclaimer of Warranties

To the fullest extent permitted by law, this website and its content are provided on an “as is” and “as available” basis.

Ulloa Financial disclaims all warranties, express or implied, including warranties of:

• Accuracy

• Completeness

• Reliability

• Availability

• Merchantability

• Fitness for a particular purpose

• Noninfringement

• Security

• Compatibility

Some jurisdictions may not permit the exclusion of certain warranties, so portions of this section may not apply to you.

22. Limitation of Liability

To the fullest extent permitted by law, Ulloa Financial, LLC and its owners, employees, contractors, representatives, affiliates, licensors, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from:

• Use of the website

• Inability to access the website

• Reliance on website content

• Errors or omissions

• Third-party websites

• Unauthorized access

• Loss of data

• Business interruption

• Financial decisions made based on general educational information

Nothing in these Terms excludes liability that cannot legally be excluded.

23. Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless Ulloa Financial, LLC and its owners, employees, contractors, representatives, affiliates, and service providers from claims, liabilities, damages, losses, and expenses arising from:

• Your misuse of the website

• Your violation of these Terms

• Your violation of law

• Your infringement of another person’s rights

• Information or materials you submit

24. Privacy

Your use of the website is also governed by the Ulloa Financial Privacy Policy.

The Privacy Policy explains how information may be collected, used, disclosed, protected, and retained.

A link to the Privacy Policy should appear in the website footer and near forms when appropriate.

25. Accessibility

Ulloa Financial seeks to make its website accessible and usable.

Visitors who experience difficulty accessing content may contact Ulloa Financial to request assistance or an alternative format.

Accessibility concerns may be submitted using the contact information below.

26. Nationwide Use and Geographic Limitations

This website may be accessed throughout the United States and from other locations.

Access to the website does not mean that Ulloa Financial is authorized to provide every service in every jurisdiction.

Financial, investment, insurance, and other regulated services are offered only in jurisdictions where legally permitted.

Insurance licensing and product availability vary by state.

27. Governing Law

These Terms will be governed by the laws of the State of Florida, without regard to conflict-of-law principles, unless another law is required to apply.

Before publishing this provision, Ulloa Financial should confirm with legal counsel whether Florida law and the selected venue are appropriate for all website users and business activities.

28. Dispute Resolution and Venue

Any dispute arising from use of this website will be addressed in the state or federal courts located in [County], Florida, unless the parties agree to another method or applicable law requires otherwise.

Each party consents to the jurisdiction of those courts.

A mandatory arbitration clause or class-action waiver should not be added without review by qualified legal counsel.

29. Severability

If any provision of these Terms is determined to be unlawful, invalid, or unenforceable, the remaining provisions will continue in effect to the fullest extent permitted by law.

The invalid provision will be interpreted or limited as necessary to make it enforceable when permitted.

30. No Waiver

Failure by Ulloa Financial to enforce a provision of these Terms does not waive the right to enforce that provision later.

A waiver must be expressly stated in writing.

31. Changes to These Terms

Ulloa Financial may revise these Terms periodically.

Updated Terms will be posted on this page with a revised “Last Updated” date.

Your continued use of the website after revised Terms are posted constitutes acceptance of the updated Terms, subject to applicable law.

32. Contact Information

Questions regarding these Terms may be directed to:

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

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