Effective date: February 10, 2026
1. Authorization and Use of Information
We hereby authorize you to view and print information on this website subject to it being used for informational and non-commercial purposes. The information contained in this website is believed to be reliable, but we do not warrant its completeness, timeliness, or accuracy. The information and materials contained in this website – and the terms and conditions of the access to and use of such information and materials – are subject to change without notice.
2. Professional Advice and Risk
It is our intention that data provided on a subject is of a general nature. Our website does not represent an exhaustive treatment of subjects nor is the information intended to constitute accounting, tax, legal, consulting, or other professional advice. Prior to making any decision or taking any action, we kindly request you to contact your tax or legal advisors. Please use this document and information at your own risk.
3. SMS Terms and Conditions (Compliance Verified)
Description of SMS Use Cases: By providing your phone number and opting in through our website forms, you provide express written consent to receive text messages from Ernesto Alum regarding real estate services, mortgage informational updates, appointment reminders, and promotional content.
Opt-out Instructions: You can cancel the SMS service at any time. Just text "STOP" to the number from which you received the message. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us.
Customer Support: If you experience issues with the messaging program, you can reply with the keyword HELP for more assistance or contact us directly at [email protected].
Message & Data Rates: As always, message and data rates may apply for any messages sent to you from us and to us from you. Message frequency varies based on your interaction with us.
Carrier Liability: Carriers are not liable for delayed or undelivered messages.
Age Restriction: You represent that you are over the age of 18. Ernesto Alum does not permit those under 18 to use this Service or provide personal information.
4. Privacy and Mobile Information Sharing
Personal information including mobile phone numbers will not be shared or sold to third parties or affiliates for marketing or promotional purposes. SMS opt-in data and consent will not be shared with any third parties. We use your personal data (Email, Name, Phone Number) only to provide and improve the Service.
5. Limitation of Liability
In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website. Our entire liability under any provision of these Terms shall be limited to the amount actually paid by You through the Service or 100 USD.
6. Mortgage Product Disclaimer
The information on this website is not intended as an offer or solicitation for any mortgage product or any financial instrument. Products and services described may differ among geographic locations, offices, and as a result of individual conditions. Not all products and services are offered at all locations. Ernesto Alum NMLS# 1884853. No mortgage loan applications for properties located in the state of New York will be accepted through this site.
7. Intellectual Property
The content of this site is copyrighted and therefore any unauthorized use of any materials on this website may violate copyright, trademark, and other laws. Materials may not be modified, reproduced, or publicly displayed, distributed, or performed for any public or commercial purposes prior to our approval.