Terms of Service
Effective Date: [Date]
Last Updated: [Date]
1. Acceptance of Terms
Welcome to Ivory Oak Capital. By accessing or using our website and services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our website or services.
These Terms constitute a legally binding agreement between you and Ivory Oak Capital ("we," "our," or "us"). We reserve the right to modify these Terms at any time, and your continued use of our services constitutes acceptance of any changes.
2. Description of Services
Ivory Oak Capital provides financial advisory services, including but not limited to:
Our website provides information about these services and allows prospective clients to contact us and schedule consultations.
3. No Investment Advice on Website
The content on this website is for informational and educational purposes only and does not constitute investment advice, financial advice, trading advice, or any other type of professional advice. You should not make any investment decisions based solely on information found on this website.
Any financial advisory relationship must be established through a formal engagement agreement. Information on this website does not create an advisor-client relationship.
4. User Responsibilities
When using our website, you agree to:
5. Intellectual Property
All content on this website, including text, graphics, logos, images, and software, is the property of Ivory Oak Capital or its content suppliers and is protected by copyright, trademark, and other intellectual property laws.
You may view and print content for personal, non-commercial use only. You may not reproduce, distribute, modify, or create derivative works without our express written permission.
6. Third-Party Links
Our website may contain links to third-party websites for your convenience. We do not endorse or control these external sites and are not responsible for their content, privacy practices, or terms of service. Your use of third-party websites is at your own risk.
7. 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:
We do not guarantee any specific results from using our website or services.
8. Limitation of Liability
To the fullest extent permitted by law, Ivory Oak Capital and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of our website or services.
This includes, but is not limited to, damages for loss of profits, data, or other intangible losses, even if we have been advised of the possibility of such damages.
Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.
9. Indemnification
You agree to indemnify, defend, and hold harmless Ivory Oak Capital and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:
10. Privacy
Your use of our website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.
11. Termination
We reserve the right to terminate or suspend your access to our website at any time, without notice, for any reason, including but not limited to violation of these Terms.
Upon termination, your right to use the website will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.
12. Governing Law and Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of [State/Jurisdiction], without regard to its conflict of law provisions.
Any disputes arising from these Terms or your use of our website shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law. You agree to waive any right to a jury trial.
13. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be replaced with a valid provision that most closely reflects the intent of the original provision.
14. Entire Agreement
These Terms, together with our Privacy Policy and any other legal notices published on this website, constitute the entire agreement between you and Ivory Oak Capital regarding your use of the website.
15. Changes to Terms
We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on this page and updating the "Last Updated" date. Your continued use of our website after changes are posted constitutes acceptance of the modified Terms.
16. Contact Information
If you have questions about these Terms of Service, please contact us:
Ivory Oak Capital
Dylan T. Franzten
Email: dylan.franzten@ivoryoakcapital.com
Phone: +1 (585) 303-9294
Address: 146 BRIDGHAM ST PROVIDENCE RI 02909-1242 USA