Terms of Use

Welcome to PointOak Retirement Advisors, LLC ("PointOak," "we," "us," or "our"). By accessing or using our website at pointoak.com (the "Site"), you agree to comply with and be bound by these Terms of Use. If you do not agree to these terms, please do not use our Site.

Acceptance of Terms

These Terms of Use constitute a legally binding agreement between you and PointOak Retirement Advisors, LLC. By accessing or using this Site, you acknowledge that you have read, understood, and agree to be bound by these terms, as well as our Privacy Policy.

We reserve the right to modify these Terms of Use at any time. Any changes will be posted on this page with an updated revision date. Your continued use of the Site following the posting of changes constitutes your acceptance of those changes.

Use of Site

This Site is intended for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any securities or investment advisory services. You may use this Site only for lawful purposes and in accordance with these Terms of Use.

You agree not to:

• Use the Site in any way that violates any applicable federal, state, local, or international law or regulation
• Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Site
• Use the Site to transmit any advertising or promotional material without our prior written consent
• Attempt to gain unauthorized access to any portion of the Site or any systems or networks connected to the Site
• Use any automated means to access the Site for any purpose without our express written permission

Intellectual Property

The Site and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by PointOak Retirement Advisors, LLC, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Site, except as permitted by these Terms of Use or with our prior written consent.

Disclaimers

The information provided on this Site is for general informational purposes only. It is not intended to be, and should not be construed as, financial, investment, tax, or legal advice. You should not rely solely on the information contained on this Site to make financial decisions.

We make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the Site or the information, products, services, or related graphics contained on the Site for any purpose. Any reliance you place on such information is strictly at your own risk.

Investment advisory services are offered only to clients or prospective clients where PointOak Retirement Advisors, LLC and its representatives are properly licensed or exempt from licensure. Past performance is no guarantee of future results. No investment strategy or risk management technique can guarantee returns or eliminate risk in any market environment.

Limitation of Liability

In no event will PointOak Retirement Advisors, LLC, its affiliates, or their licensors, service providers, employees, agents, officers, or directors be liable for damages of any kind, under any legal theory, arising out of or in connection with your use, or inability to use, the Site, any websites linked to it, any content on the Site or such other websites, including any direct, indirect, special, incidental, consequential, or punitive damages.

Governing Law and Jurisdiction

These Terms of Use and any dispute or claim arising out of or related to them, their subject matter, or their formation (in each case, including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the Commonwealth of Virginia, without giving effect to any choice or conflict of law provision or rule.

Changes to Terms of Use

We may revise and update these Terms of Use from time to time at our sole discretion. All changes are effective immediately when posted and apply to all access to and use of the Site thereafter. Your continued use of the Site following the posting of revised Terms of Use means that you accept and agree to the changes.

Contact Us

If you have questions about these Terms of Use, please contact us at: