Terms of Service.

Welcome to Oak & Seed Financial Partners. These Terms of Service ("Terms") govern your access to and use of the Oak & Seed Financial Partners website (oaknseed.com) and any related services we provide (collectively, the "Service"). Please read these Terms carefully before using our Service.

By accessing or using our Service, you agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use our Service.

1. About Us

Oak & Seed Financial Partners is a financial advisory practice licensed in the provinces of Ontario and Alberta to provide insurance, critical illness coverage, segregated funds, business structuring, and estate planning services. All references to "we," "us," "our," or "Oak & Seed" in these Terms refer to Oak & Seed Financial Partners.

2. Eligibility

To use our Service, you must be at least the age of majority in your province or territory of residence and capable of entering into a legally binding agreement. By using our Service, you represent and warrant that you meet these requirements.

3. Scope of Services

Our website provides general information about Oak & Seed Financial Partners and the financial products and services we offer. Through our Service, you may:

• Browse information about our financial products and advisory services.
• Submit inquiries or contact requests through forms on our website.
• Schedule consultations with our licensed advisors.
• Receive communications from us regarding products, services, and educational content.

Any financial advisory services, insurance products, or investment strategies provided by Oak & Seed Financial Partners are offered subject to separate engagement agreements, application forms, and regulatory disclosures provided to you at the time of engagement.

4. Not Financial, Legal, or Tax Advice

Any financial decisions should be made only after consulting with a licensed financial advisor who has reviewed your specific circumstances. Personalized advice is provided exclusively through formal engagement with our licensed advisors and is tailored to individual financial profiles.

5. Licensing and Jurisdiction

Oak & Seed Financial Partners is licensed to provide financial advisory services in the provinces of Ontario and Alberta. We do not offer products or services in jurisdictions where we are not licensed or registered. The information on our website is intended only for residents of jurisdictions where our services may be lawfully offered.

6. User Responsibilities

When using our Service, you agree to:

• Provide accurate, current, and complete information when submitting inquiries or completing forms.
• Use the Service only for lawful purposes and in accordance with these Terms.
• Not attempt to gain unauthorized access to any part of the Service, our servers, or any connected systems.
• Not use the Service to transmit any viruses, malicious code, or harmful materials.
• Not engage in any activity that interferes with or disrupts the Service or its users.
• Not impersonate any person or misrepresent your affiliation with any individual or entity.
• Not collect, harvest, or scrape data from the Service without our express written consent.

7. Intellectual Property

All content on the Oak & Seed Financial Partners website—including text, graphics, logos, images, photographs, design elements, and software—is the property of Oak & Seed Financial Partners or its licensors and is protected by Canadian and international copyright, trademark, and other intellectual property laws.

You may view, download, and print content from our website for personal, non-commercial use only. You may not reproduce, modify, distribute, transmit, display, publish, or create derivative works from any content on our website without our prior written consent.

The "Oak & Seed Financial Partners" name and logo are trademarks of Oak & Seed Financial Partners and may not be used without our prior written permission.

8. Submissions and Communications

If you submit information to us through forms, email, or other communication channels, you represent that the information you provide is accurate and that you have the right to share it. By submitting your information, you consent to receive communications from Oak & Seed Financial Partners related to your inquiry and our services.

Our handling of your personal information is described in our Privacy Policy, which forms part of these Terms.

9. Third-Party Links and Services

Our website may contain links to third-party websites, products, or services that are not owned or controlled by Oak & Seed Financial Partners. We have no control over, and assume no responsibility for, the content, privacy practices, or operations of any third-party websites or services. Your use of any third-party website or service is at your own risk and subject to that third party's terms and policies.

10. Testimonials

Testimonials displayed on our website reflect the experiences of individual clients and may not be representative of the experience of all clients. Past results do not guarantee or predict future outcomes. Individual results vary based on personal circumstances, market conditions, and other factors.

11. Disclaimers

Our website and the information provided through it are made available on an "as is" and "as available" basis, without warranties of any kind, either express or implied. To the fullest extent permitted by law, Oak & Seed Financial Partners disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

While we strive to ensure the accuracy and timeliness of the information on our website, we do not warrant that the content is complete, accurate, current, or error-free. Financial markets, tax laws, insurance regulations, and product availability change frequently, and information on our website may not always reflect the most current status.

12. Limitation of Liability

To the fullest extent permitted by applicable law, Oak & Seed Financial Partners and its advisors, officers, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of, or inability to use, the Service, including but not limited to damages for loss of profits, data, goodwill, or other intangible losses.

Nothing in these Terms limits or excludes any liability that cannot be lawfully limited or excluded under applicable law.

13. Indemnification

You agree to indemnify, defend, and hold harmless Oak & Seed Financial Partners and its advisors, officers, employees, agents, and affiliates from any claims, liabilities, damages, losses, or expenses (including reasonable legal fees) arising from your breach of these Terms, your misuse of the Service, or your violation of any law or the rights of any third party.

14. Privacy

Your use of our Service is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using our Service, you consent to the collection and use of your information as described in the Privacy Policy.

15. Modifications to the Service

Oak & Seed Financial Partners reserves the right to modify, suspend, or discontinue the Service (or any part of it) at any time, with or without notice. We are not liable to you or any third party for any modification, suspension, or discontinuation of the Service.

16. Changes to These Terms

We may update these Terms from time to time at our sole discretion. When we make changes, we will update the "Last Updated" date at the top of this page. Your continued use of the Service after changes are posted constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

17. Termination

We may terminate or suspend your access to the Service at any time, without notice, for any reason, including if we believe you have violated these Terms. Upon termination, your right to use the Service ceases immediately. The provisions of these Terms that by their nature should survive termination (including intellectual property, disclaimers, limitations of liability, and indemnification) shall survive.

18. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the Province of Ontario, Canada, and the federal laws of Canada applicable therein, without regard to its conflict-of-law principles. You agree that any legal action or proceeding arising out of or related to these Terms or your use of the Service shall be brought exclusively in the courts located in the Province of Ontario, and you consent to the personal jurisdiction of such courts.

19. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be deemed modified to the minimum extent necessary to make it valid and enforceable while preserving its intent.

20. Entire Agreement

These Terms, together with our Privacy Policy and any separate engagement agreements you enter into with Oak & Seed Financial Partners, constitute the entire agreement between you and Oak & Seed Financial Partners regarding your use of the Service and supersede all prior agreements and understandings.

21. Contact Us

If you have any questions about these Terms of Service, please contact us:

Website: oaknseed.com