Terms of Service

Effective Date: 05/19/2025


Welcome to Alomofin.com. These Terms of Service ("Terms") govern your access to and use of our website and services (collectively, the "Services") provided by Alomo Inc. (“Company”, “we”, “us”, or “our”). By accessing or using our Services, you agree to be bound by these Terms as well as our Privacy Policy. If you do not agree with these Terms, you must not use our Services.

1. Services Provided


Alomo Inc. is a Florida-based financial and insurance services company. We offer a range of services, including but not limited to:

  • Investment and Retirement Planning

  • Mortgage Processing

  • Indexed Universal Life Insurance (IUL)

  • Annuities401(k)

  • Retirement Plans

  • Final Expense Planning

  • Root (financial/insurance service)


We reserve the right to modify, suspend, or discontinue any part of our Services at any time without prior notice.

2. Eligibility (U.S. Users Only)


Our Services are intended for use by residents of the United States only. By using our website, you represent and warrant that you are at least 18 years old (or the age of majority in your state of residence) and that you reside in the United States. If you are not a U.S. resident or do not meet the age requirement, you must not use our Services.

We make no representation that our Services or content are appropriate or available for use in locations outside the U.S. Accessing the site from jurisdictions where its content is illegal is prohibited. Those who choose to access the Services from outside the U.S. do so on their own initiative and are responsible for compliance with local laws.

3. Use of Services


When using our website or Services, you agree to do so only for lawful purposes and in accordance with these Terms. You must comply with all applicable laws and regulations (including relevant financial, telemarketing, anti-spam, and data protection laws). You agree not to use the Services for any unlawful, fraudulent, or harmful purpose, or in any manner that could disable, overburden, or impair the website or interfere with anyone else’s use and enjoyment of the Services.

Additionally, you agree not to attempt to gain unauthorized access to any portion of our website, server, or networks. You must not introduce any viruses, malware, or harmful code to the site. When submitting information to us (such as through contact forms), you agree that all information you provide is truthful, accurate, and up-to-date, and that you have the right to provide such information.

4. Consent to Communications (Email, Calls, SMS)


By providing your contact information (such as your phone number and email address) to us through our website or other means, you expressly consent to the following communications from Alomo Inc.:

  • Emails: You consent to receive emails from us regarding our services, updates, and promotions. These emails may include newsletters or marketing content. You can opt out of marketing emails at any time by clicking the “unsubscribe” link included in such communications.

  • Telephone Calls: You consent to receive telephone calls from us at the number you provide. These calls may be for informational or promotional purposes related to the services we offer (e.g., to discuss investment plans, insurance products, or other services you inquired about). You understand and agree that these calls may be made using an automatic telephone dialing system or an artificial/prerecorded voice.

  • SMS/Text Messages: You consent to receive SMS/text messages from us at the mobile number you provide. These messages may be sent for marketing or informational purposes using an automated dialing system. Message frequency may vary, and message and data rates may apply according to your cellphone plan. We are not responsible for any charges from your service providers that may result from these communications.

  • Opt-Out: You can opt out of receiving communications from us at any time. To stop receiving text messages, reply STOP to any SMS we send. For emails, you may click the “unsubscribe” link in the email footer to be removed from future mailings. If you wish to opt out of phone calls, please let us know during a call or contact us at our email address to inform us of your preference.

  • Do Not Call List: By providing your phone number and consenting to calls/texts, you agree that such communications may be delivered to you even if your number is registered on a federal or state Do Not Call list. Your consent here overrides Do Not Call registry enrollment for the communications described, as permitted by law.

  • No Purchase Required: Your consent to receive marketing communications is voluntary and not a condition of purchasing any goods or services from us. If you prefer not to consent, you may contact us through other means to inquire about our services. We take your privacy seriously and will handle your contact information in accordance with our Privacy Policy.

    We will not sell your phone number or email to unauthorized third parties. Communications will be conducted in compliance with applicable laws such as the Telephone Consumer Protection Act (TCPA) and CAN-SPAM Act.

5. Payment Terms


If you purchase or enroll in any of our financial or insurance services that require payment (such as fee-based planning services or insurance products with premiums), you agree to pay all associated charges as described to you at the time of purchase or enrollment. Payment terms, including the amount, due dates, and accepted payment methods, will be provided to you in a separate agreement, product disclosure, or invoice specific to that service.

All fees are quoted in U.S. dollars, and payments must be made in U.S. currency. If you fail to make a payment by the due date, we reserve the right to suspend or cancel the provision of the relevant service. In cases of non-payment or late payment, you may be responsible for any resulting costs or fees (such as late fees) as permitted by law and outlined in the specific service agreement.

6. Intellectual Property


All content and materials available on the Alomo Inc. website – including text, graphics, logos, images, audio clips, software, and overall design – are the intellectual property of Alomo Inc. or are used under appropriate licenses. This content is protected by United States copyright, trademark, and other intellectual property laws.

We grant you a limited, revocable license to access and make personal, non-commercial use of our website and its content. You may not reproduce, distribute, modify, display, perform, publish, create derivative works from, or otherwise exploit any content on our site without our prior written consent, except as allowed by law (such as brief quotations under fair use). Any unauthorized use of the site’s content is prohibited and may violate copyright or trademark laws.

The company name “Alomo Inc.”, our logos, and all related names and graphics are trademarks or service marks owned by the Company. In addition, other names of products or services referenced on the site (for example, “Root”) may be trademarks of their respective owners. Nothing in these Terms grants you any license or right to use any trademark, logo, or service mark displayed on the website without the owner’s prior written permission.

7. Disclaimer of Warranties


Your use of our website and Services is at your own risk. Our Services are provided on an "as is" and "as available" basis. To the fullest extent permitted by law, Alomo disclaims all warranties of any kind, whether express, implied, or statutory, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We make no warranty that the Services will be available uninterrupted, timely, secure, or error-free, or that any defects will be corrected. We also make no guarantees as to the results that may be obtained from using our Services or the accuracy, reliability, or currency of any information provided.


No Professional Advice: Any information provided on our website (including articles, resources, calculators, or FAQs) is for general informational purposes only and should not be construed as professional advice. This includes financial, investment, insurance, tax, or legal advice. You should consult with a qualified professional for advice tailored to your specific circumstances before making any financial or investment decisions. Alomo’s provision of Services or information does not create any fiduciary or professional-client relationship unless we explicitly agree to one in a written and signed agreement.


Third-Party Content: Our website may include links to or information from third-party websites or services (for example, partner institutions or reference materials). These links are provided for convenience only. We do not control, endorse, or assume any responsibility for any third-party websites or content. If you access any third-party site through our Service, you do so at your own risk. We will not be liable for any content, products, services, or actions of any third parties referenced or linked through our site.

8. Limitation of Liability


To the fullest extent permitted by law, in no event shall Alomo, its owners, employees, agents, or affiliates be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or related to your use of (or inability to use) our Services or any content on the site. This includes, without limitation, any loss of profits, loss of data, business interruption, or other commercial damages or losses, even if we have been advised of the possibility of such damages.

Alomo’s total cumulative liability for any claim arising out of or relating to these Terms or the Services, regardless of the form of action, whether in contract, tort, or otherwise, shall be limited to the amount (if any) you paid to us for the specific Service in question that gives rise to the claim. If you have paid us nothing, our liability will be zero to the extent allowed by law.


Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. To the extent that such laws apply to you, some of the exclusions or limitations above may not apply. In such cases, our liability will be limited to the maximum extent permitted by applicable law.

9. Termination


We reserve the right to terminate or suspend your access to our website and Services, in whole or in part, at any time and for any reason, without notice. For example, we may suspend or terminate access if we believe you have violated these Terms or engaged in conduct that we determine to be inappropriate or harmful.


If your use of the Services is terminated or suspended, you must immediately stop using the site and Services. Any provisions of these Terms that by their nature should survive termination (including but not limited to provisions on intellectual property, disclaimers, limitation of liability, and governing law) shall continue to remain in effect after termination.

10. Governing Law


These Terms of Service and any dispute or claim arising out of or related to these Terms or your use of the Services shall be governed by and construed in accordance with the laws of the State of Florida, USA, without regard to its conflict of law principles. By using the Services, you consent to the personal and exclusive jurisdiction of the state and federal courts located in Florida for the resolution of any disputes.

11. Changes to These Terms


We may update or modify these Terms from time to time at our sole discretion. If we make changes, we will post the updated Terms on this page and update the "Effective Date" at the top. Changes to the Terms become effective when they are posted on this page. It is your responsibility to review these Terms periodically for any updates. Your continued use of the Services after any revised Terms are posted constitutes your acceptance of the changes. If you do not agree with any modification to the Terms, you should discontinue use of the Services.

12. Contact Us


If you have any questions, concerns, or comments about these Terms of Service, you are welcome to contact us:

  • Email: [email protected]

  • Phone: +1 (305)956-8772

  • Address: 11252 SW 243 Ter. Homestead, FL 33032, US

You can also reach us by using the contact form on our website. We will do our best to respond to your inquiries in a timely manner.


By using our website and Services, you acknowledge that you have read, understood, and agreed to these Terms of Service. Thank you for visiting Alomofin.com. We appreciate your trust in us for your investment, insurance, and financial planning needs.