Terms and Conditions
TERMS AND CONDITIONS
Oak River Wealth Advisors
Effective Date: January 30, 2026
ACCEPTANCE OF TERMS
Welcome to Oak River Wealth Advisors ("Oak River," "we," "us," or "our"). By accessing or using our website www.oakriverwealth.com, scheduling appointments, or using our services, you agree to be bound by these Terms and Conditions and our Privacy Policy.
If you do not agree to these terms, please do not use our website or services.
1. USE OF WEBSITE
1.1 Permitted Use
You may use our website for lawful purposes only. You agree not to:
• Use the website in any way that violates any applicable federal, state, local, or international law
• Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the website
• Attempt to gain unauthorized access to any portion of the website or any systems or networks
• Use any automated system to access the website without our written permission
• Transmit any viruses, malware, or other harmful code
1.2 Intellectual Property
All content on this website, including text, graphics, logos, images, and software, is the property of Oak River Wealth Advisors or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.
2. FINANCIAL ADVISORY SERVICES
2.1 No Investment Advice on Website
The information provided on our website is for general informational and educational purposes only. It does not constitute investment, legal, tax, or financial advice. You should not rely on this information as the sole basis for making financial decisions.
2.2 Advisory Relationship
An advisory relationship is established only through a formal written agreement. Information provided through our website, events, or initial consultations does not create an advisor-client relationship.
2.3 Investment Risks
Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in a period of declining values. Past performance is not indicative of future results.
2.4 Insurance Products
Any references to protection benefits or lifetime income generally refer to fixed insurance products, never securities or investment products. Insurance and annuity products are backed by the financial strength and claims-paying ability of the issuing insurance company.
3. SMS TEXT MESSAGING TERMS AND CONDITIONS
3.1 Consent to Receive SMS Messages
By opting in to receive SMS text messages from Oak River Wealth Advisors, you agree to receive informational messages (customer care and account notifications) from us at the phone number you provided.
3.2 Message Frequency
Message frequency varies depending on your account activity and service needs.
3.3 Message and Data Rates
Standard message and data rates may apply from your mobile carrier. We are not responsible for any charges you may incur from your carrier.
3.4 Opt-Out
You can opt out at any time by replying STOP to any text message from us. After opting out, you will no longer receive SMS messages from us unless you re-enroll by opting in again.
3.5 Help
For help or assistance with SMS messages, reply HELP to any text message or contact us at:
• Phone: (865) 409-0686
• Email: info@oakriverwealth.com
3.6 SMS Privacy
For information about how we handle your SMS data, please review our Privacy Policy at www.oakriverwealth.com/privacy-policy
Text message opt-in data and consent are not shared with any third parties (including subsidiaries and affiliates).
3.7 Supported Carriers
Our SMS service is available on major U.S. carriers. We are not liable if your carrier does not support SMS services or if messages are delayed or undelivered.
4. APPOINTMENT SCHEDULING
4.1 Calendly and Third-Party Tools
We use Calendly and other third-party scheduling tools to facilitate appointments. By using these tools, you agree to their respective terms of service and privacy policies.
4.2 Appointment Cancellations
We reserve the right to cancel or reschedule appointments at our discretion. We will make reasonable efforts to provide advance notice of any changes.
5. THIRD-PARTY LINKS AND SERVICES
Our website may contain links to third-party websites or services, including:
• Calendly (appointment scheduling)
• Educational resources
• Professional partners (CPAs, attorneys)
We are not responsible for the content, privacy practices, or terms of these third-party sites. Your use of third-party services is at your own risk.
6. DISCLAIMER OF WARRANTIES
Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to:
• Warranties of merchantability or fitness for a particular purpose
• Warranties that the website will be uninterrupted, error-free, or free of viruses
• Warranties regarding the accuracy or completeness of information
7. LIMITATION OF LIABILITY
To the fullest extent permitted by law, Oak River Wealth Advisors, its affiliates, and service providers shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:
• Loss of profits or revenue
• Loss of data
• Loss of business opportunities
• Investment losses (except as provided in a formal advisory agreement)
This limitation applies even if we have been advised of the possibility of such damages.
8. INDEMNIFICATION
You agree to indemnify and hold harmless Oak River Wealth Advisors, its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorneys' fees) arising out of:
• Your use of our website or services
• Your violation of these Terms and Conditions
• Your violation of any third-party rights
9. COMPLIANCE AND REGULATORY MATTERS
9.1 Regulatory Structure
Investment advisory services are offered through CreativeOne Wealth, LLC, a Registered Investment Adviser. CreativeOne Wealth, LLC and Oak River Wealth are unaffiliated entities.
9.2 Form ADV and Form CRS
For detailed information about our advisory services, fees, conflicts of interest, and fiduciary obligations, please review:
• Form ADV Part 2A (investment advisory disclosures)
• Form CRS (Client Relationship Summary)
These documents are available on our website or upon request.
9.3 Fiduciary Duty
Investment advisory services are provided in accordance with a fiduciary duty of care and loyalty, which includes putting your interests first and disclosing conflicts of interest.
9.4 Insurance Services
Insurance services have a best interest standard, which requires recommendations to be in your best interest. Advisors may receive commissions for the sale of insurance and annuity products. Additional details, including potential conflicts of interest, are available in our disclosure documents.
10. PROFESSIONAL SERVICES
10.1 No Legal or Tax Advice
Oak River Wealth Advisors does not provide legal or tax advice and cannot draft legal documents. We work with experienced CPAs, tax planners, and estate planning attorneys who develop the legal documents that express a client's estate planning intentions.
10.2 Working with Your Advisors
We are pleased to work collaboratively with your current estate planning attorney, CPA, and other advisors to provide comprehensive financial planning support.
11. EVENTS AND EDUCATIONAL CONTENT
By contacting us, downloading resources, or attending events, you may be offered a meeting to discuss how our insurance and other services can meet your retirement needs. Attendance at events does not create an advisory relationship.
12. PRIVACY AND DATA PROTECTION
Your use of our website and services is also governed by our Privacy Policy, which is incorporated into these Terms and Conditions by reference. Please review our Privacy Policy to understand how we collect, use, and protect your information.
13. GEOGRAPHIC LIMITATIONS
Our services may not be available in all jurisdictions. We reserve the right to limit the availability of our services to any person, geographic area, or jurisdiction, at any time and at our sole discretion.
14. MODIFICATIONS TO TERMS
We reserve the right to modify these Terms and Conditions at any time. The updated version will be indicated by an updated "Effective Date" at the top of this document. Your continued use of the website or services after changes are posted constitutes your acceptance of the modified terms.
15. SEVERABILITY
If any provision of these Terms and Conditions is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
16. GOVERNING LAW
These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Tennessee, without regard to its conflict of law principles.
17. DISPUTE RESOLUTION
17.1 Informal Resolution
If you have a dispute with us, please contact us first to attempt to resolve the matter informally.
17.2 Arbitration
Any disputes arising out of or relating to these Terms and Conditions or our services may be subject to binding arbitration as outlined in your advisory agreement (if applicable).
18. ENTIRE AGREEMENT
These Terms and Conditions, together with our Privacy Policy and any advisory agreement you may enter into, constitute the entire agreement between you and Oak River Wealth Advisors regarding your use of our website and services.
19. CONTACT INFORMATION
If you have questions or concerns about these Terms and Conditions, 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. Licensed Insurance Professional.
We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives. This material has been prepared for informational purposes only. It is not intended to provide, and should not be relied upon for, accounting, legal, tax, or investment advice.
Investing involves risk, including the loss of principal. No investment strategy can guarantee a profit or protect against loss in a period of declining values. Any references to protection benefits or lifetime income generally refer to fixed insurance products, never securities or investment products. Insurance and annuity products are backed by the financial strength and claims-paying ability of the issuing insurance company.
Additional details including potential conflicts of interest are available in our firm's Form ADV Part 2A and Form CRS (for advisory services) and the Insurance Agent Disclosure for Annuities form (for annuity recommendations).
Oak River Wealth Advisors does not provide legal advice and cannot draft legal documents. We work with experienced CPAs, tax planners, and estate planning attorneys who develop the legal documents that express a client's estate planning intentions.
Your Wealth Rooted in Forward Momentum
Experience a retirement strategy built on your values and set on a clear course toward a retirement future rooted in confident tomorrows.
