Privacy Policy
PRIVACY POLICY
Oak River Wealth Advisors
Effective Date: January 30, 2026
INTRODUCTION
Oak River Wealth Advisors ("Oak River," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website www.oakriverwealth.com, use our services, or communicate with us via SMS text messaging.
Please read this Privacy Policy carefully. By using our website or services, you agree to the collection and use of information in accordance with this policy.
1. INFORMATION WE COLLECT
1.1 Personal Information
We may collect personal information that you voluntarily provide to us when you:
• Schedule a consultation or appointment through Calendly or other booking systems
• Contact us via email, phone, or SMS text message
• Register for events or webinars
• Download resources or guides from our website
• Engage our financial advisory services
This personal information may include, but is not limited to: name, email address, phone number, mailing address, date of birth, Social Security number, financial information, and other information relevant to providing financial advisory services.
1.2 SMS Text Messaging Information
When you opt in to receive SMS text messages from us, we collect:
• Your mobile phone number
• Your consent to receive text messages
• Message content and interaction data
IMPORTANT: Text message opt-in data and consent are not shared with any third parties (including subsidiaries and affiliates). If you wish to be removed from receiving future SMS communications, text STOP to opt out at any time.
1.3 Automatically Collected Information
When you visit our website, we may automatically collect certain information about your device, including information about your web browser, IP address, time zone, and some of the cookies installed on your device. We may also collect information about your browsing actions and patterns, such as pages viewed and links clicked.
2. HOW WE USE YOUR INFORMATION
We use the information we collect to:
• Provide, maintain, and improve our financial advisory services
• Communicate with you about appointments, account notifications, and customer care
• Send you SMS text messages regarding customer care and account notifications (if you have opted in)
• Respond to your inquiries and requests
• Process and complete transactions
• Comply with legal and regulatory obligations
• Improve our website and services
• Send you educational content, event invitations, and updates about our services (with your consent)
• Protect against fraud and ensure the security of our systems
3. SMS TEXT MESSAGING
By providing your phone number and opting in to receive SMS text messages from Oak River Wealth Advisors, you consent to receive customer care and account notification text messages at the number provided.
Message Frequency: Message frequency varies depending on your account activity and service needs.
Message and Data Rates: Standard message and data rates may apply from your mobile carrier.
Opt-Out: You can opt out at any time by replying STOP to any text message. After opting out, you will no longer receive SMS messages from us unless you re-enroll.
Help: For assistance, reply HELP to any text message or contact us at:
• Phone: (865) 409-0686
• Email: info@oakriverwealth.com
SMS Privacy: Text message opt-in data and consent are not shared with any third parties (including subsidiaries and affiliates).
4. HOW WE SHARE YOUR INFORMATION
We do not sell, trade, or rent your personal information to third parties. We may share your information in the following circumstances:
4.1 Service Providers
We may share your information with third-party service providers who perform services on our behalf, such as:
• CreativeOne Wealth, LLC (our registered investment adviser)
• Technology and hosting providers
• Calendly (appointment scheduling)
• Email and communication platforms
• Professional service providers (CPAs, tax planners, estate planning attorneys)
These service providers are obligated to protect your information and may only use it to provide services to us.
4.2 Legal Requirements
We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., court orders, subpoenas, or government agencies).
4.3 Business Transfers
In the event of a merger, acquisition, reorganization, or sale of assets, your information may be transferred as part of that transaction.
4.4 With Your Consent
We may share your information for any other purpose with your consent.
5. DATA SECURITY
We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
6. DATA RETENTION
We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Financial advisory records may be retained for extended periods to comply with regulatory requirements.
7. YOUR PRIVACY RIGHTS
Depending on your location, you may have certain rights regarding your personal information, including:
• The right to access your personal information
• The right to correct inaccurate information
• The right to request deletion of your information (subject to legal obligations)
• The right to opt out of certain uses of your information
• The right to withdraw consent for SMS text messaging (by texting STOP)
To exercise these rights, please contact us using the information provided below.
8. CHILDREN'S PRIVACY
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.
9. THIRD-PARTY WEBSITES
Our website may contain links to third-party websites (including Calendly). We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.
10. COOKIES AND TRACKING TECHNOLOGIES
We may use cookies and similar tracking technologies to collect information about your browsing activities. You can control cookies through your browser settings, though disabling cookies may affect website functionality.
11. CALIFORNIA PRIVACY RIGHTS
If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), including the right to request information about the categories and specific pieces of personal information we have collected.
12. CHANGES TO THIS PRIVACY POLICY
We may update this Privacy Policy from time to time. The updated version will be indicated by an updated "Effective Date" at the top of this policy. We encourage you to review this Privacy Policy periodically.
13. CONTACT US
If you have questions or concerns about this Privacy Policy, please contact us:
Oak River Wealth Advisors
123 Center Park Drive, Suite 124
Knoxville, TN 37922
Phone: (865) 409-0686
Email: info@oakriverwealth.com
Hours: Monday–Friday, 9 a.m.–5 p.m. EST
IMPORTANT DISCLOSURES
Investment advisory services offered through CreativeOne Wealth, LLC, a Registered Investment Adviser. CreativeOne Wealth, LLC and Oak River Wealth are unaffiliated entities.
We are an independent financial services firm. This Privacy Policy does not constitute legal, tax, or investment advice. For additional information about our advisory services, conflicts of interest, and fees, please review our Form ADV Part 2A and Form CRS available on our website or upon request.
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