Terms of Service Effective Date: January 6, 2026 Welcome to Angelo Financial (“Angelo Financial,” “we,” “our,” or “us”).

These Terms of Service (“Terms”) govern your access to and use of our website, services, advertisements, and communications. By accessing our website, submitting your information, or communicating with us, you agree to be bound by these Terms and our Privacy Policy. Angelo Financial is a brand operated by Angelo Aligned LLC.

⸻ 1. Acceptance of Terms By using our website, forms, or services, you agree to these Terms and our Privacy Policy. If you do not agree, please do not use our website or submit your information.

⸻ 2. Eligibility Our services are intended for individuals who are 18 years of age or older and located in the United States. By using our website or submitting your information, you represent that you meet these requirements.

⸻ 3. Services Provided Angelo Financial provides independent insurance information and services and may connect individuals with licensed insurance agents to explore life, health, and supplemental insurance options. We may assist with appointment scheduling, general information, or preliminary inquiries. Coverage, pricing, approval, and eligibility are determined solely by the insurance carriers, not by Angelo Financial.

⸻ 4. No Legal, Tax, or Financial Advice Information provided through our website, advertisements, or communications is for general informational purposes only and does not constitute legal, tax, or financial advice. You should consult a licensed professional for advice specific to your situation.

⸻ 5. Communication Consent By providing your contact information (including name, email address, and phone number), you expressly consent to receive communications from Angelo Financial and its representatives via phone calls, text messages, and emails for informational, transactional, and marketing purposes. These communications may be sent using automated systems. • Message and data rates may apply • Consent is not a condition of purchase • You may opt out at any time by replying STOP to text messages or using the unsubscribe link in emails ⸻ SMS Terms & Conditions Program Name: Angelo Financial Alerts Program Description: We send one-to-one SMS messages related to insurance inquiries, appointment scheduling and reminders, follow-ups, and policy-related communications. Opt-In: You opt in by submitting your phone number through our website or forms and providing consent. Consent is voluntary and not required to purchase insurance. Message Frequency & Charges: Message frequency varies. Message and data rates may apply. Opt-Out & Help: Reply STOP to cancel SMS messages. Reply HELP for assistance or contact us at [email protected]. Eligibility & Carrier Liability: You must be 18 or older and the authorized user of the mobile number provided. Carriers are not responsible for delayed or undelivered messages. Data & Privacy: We process SMS data in accordance with our Privacy Policy.

⸻ 6. User Responsibilities You agree to provide accurate and complete information when interacting with our website or representatives. You are responsible for maintaining the confidentiality of any communications related to your use of our services.

⸻ 7. Third-Party Websites Our website may contain links to third-party websites or services. Angelo Financial is not responsible for the content, policies, or practices of third parties.

⸻ 8. Intellectual Property All content on this website, including text, graphics, and logos, is the property of Angelo Financial or its licensors and may not be reproduced or distributed without written permission.

⸻ 9. Disclaimer of Warranties Our website and services are provided “as is” and “as available.” We make no warranties regarding the accuracy, reliability, or availability of our website or services.

⸻ 10. Limitation of Liability To the fullest extent permitted by law, Angelo Financial and its affiliates shall not be liable for any damages arising from your use of our website, services, or communications.

⸻ 11. Changes to These Terms We may update these Terms at any time. Updates will be posted on this page with a revised effective date. Continued use of our website constitutes acceptance of the updated Terms.

⸻ 12. Governing Law These Terms are governed by the laws of the State of Colorado, without regard to conflict of law principles.

⸻ 13. Contact Us Angelo Financial Email: [email protected] Website: https://angelofinancial.com