Form ADV Filings
ADV Part 3 – CRS | ADV Part 2 -Firm Brochure
Bull Oak Capital (or the “Firm”) is located in San Diego, California, and registered as an investment adviser with the Securities and Exchange Commission. The Firm only transacts business in those states in which it is registered or qualifies for an exemption or exclusion from registration requirements. The existence of this website shall in no way suggest that the Firm offers investment advisory services to residents of any state other than the states in which the Firm maintains a notice filing.
Terms and Conditions of Use
Thank you for visiting the Firm’s website. By using this website, you agree to abide by the following terms and conditions, which constitute a legal agreement (the “Agreement”) between you and the Firm. If you do not accept these conditions, you may not use this website.
Under no circumstances should any material at this site be used or considered as an offer to sell or a solicitation of any offer to buy any security or portfolio managed by the Firm. Any such offer or solicitation will be separately made by one of the Firm’s financial advisors. This website provides general information about the Firm and is not intended to offer investment or financial planning advice. The purpose of this site is to provide you with information about the firm and our investment philosophy and to provide a means for you to contact us for further information. The Firm provides customized investment recommendations only within the context of our contractual agreements with our clients, and only after a comprehensive review of the client’s situation. Any offer or solicitation to buy any security or portfolio managed by the Firm will be separately made by one of the Firm’s financial advisors.
Although the firm does not charge a fee for attending an introduction meeting, introduction phone call, or an appointment, we may offer the attendees educational information, the consultation is intended to result in the person purchasing a product or establishing an advisory relationship. For further information about the Firm, please see the Firm’s current brochure which discusses the firm’s business operations, services, and fees.
The Firm and its financial advisors (IARs) may be nominated and win awards or receive recommendations in the course of doing business as a Registered Investment Adviser. In recognition of its responsibility in providing truthful and accurate advertising, the Firm has adopted the following procedures for advertising any awards or recommendations that may be given:
- The Firm and its supervised persons will not make any payments to an award sponsor in order to qualify for award nomination
- The award process must be fair and not deemed to be so narrowly focused as to exclude other investment advisers from the competition who would otherwise be qualified participants based on the terms of the nomination process
- The Firm and its supervised persons will not be involved in the structuring of the award process or deliberations that determine the winner
- The criteria for the award and the award determination process will be provided in an advertisement by the Firm either by listing the information in the advertisement, stating where the award criteria can be obtained or if the advertisement is Internet-based by providing a “hyperlink” attached to the advertisement pointing to the award sponsor’s criteria and award process either on the Firm’s website or the award sponsor’s website
- The firm will not make any payments for recommendations or endorsements in any advertising
- No clients of the firm are involved in the process for any award sponsorships, nominations, endorsements or recommendations made in firm advertisements
- While the Firm does not compensate anyone for testimonials or endorsements and does not involve clients in the process of obtaining testimonials or endorsements for advertising, the Firm may utilize testimonial reviews from clients obtained from third-party sites such as Yelp or Google in their advertising
The Firm’s website is provided to you without charge as a convenience and for your information only. By providing access to the Firm’s website content, the Firm does not warrant or represent that the content is accurate or complete; that the content is up-to-date or current; that the content is free from technical inaccuracies or typographical errors; that the content is free from changes caused by a third party; or that your access to this website will be free from interruptions, errors, computer viruses, or other harmful components.
Use of this website is at your own risk. Under no circumstances, including but not limited to negligence, shall the Firm be liable for any direct or indirect, special, incidental or consequential damages. This includes loss of data or profit arising out of the use or the inability to use the content of this website, even if one of the Firm’s representatives has been advised of the possibility of your damages. In jurisdictions that do not allow the exclusion or limitation of liability for consequential or incidental damages, our liability is limited to the greatest extent permitted by law.
Limitations of Liability
The material on this website is based on information generally available in the marketplace and is believed to be reliable and authoritative; however, it is not guaranteed as to its accuracy and does not constitute sufficient information to be the basis for sound investment decisions. The information is of a general nature and should not be applied indiscriminately to particular situations wherein it may not be completely applicable. You acknowledge that the Firm is providing the contents of this website on an “as is” basis with no warranties of any kind. The Firm makes no warranty, express or implied, concerning this website and expressly disclaims any implied warranty of merchantability or fitness for a particular purpose. Availability of data and services are subject to change without notice. The Firm further assumes no responsibility for, and makes no warranties that, functions contained on this website will be uninterrupted or error-free, that defects will be corrected, the website is secure from unauthorized persons intercepting or accessing information transmitted by you, or that this website or the servers that make it available will be free of viruses or other harmful components. Your use of this website and use or reliance upon any of the materials on it is solely at your own risk.
Any links on the Firm website to other websites are not intended as referrals or endorsements, but are merely provided to the users of the Firm’s website for convenience and informational purposes. The Firm does not endorse the content of such websites nor the products, services or other items offered through such websites.
Some pages within this website are password-protected. Access to these areas is restricted to authorized users only. The user in password-protected areas is responsible for any use of the password and for maintaining the confidentiality of the password. All website pages are intellectual property of the Firm and are protected by copyright laws. All copyrights for the Firm’s website presence are owned by the Firm with all rights reserved.
The Firm shall have no liability, contingent or otherwise, to you or to third parties, for the correctness, quality, accuracy, timeliness, reliability, performance, continued availability, completeness or delays, omissions, or interruptions in the delivery of the content available on this website. In no event will the Firm be liable for any special, indirect, incidental, or consequential damages which may be incurred or experienced as a result your using the content available on this website.
Privacy Policies and Restrictions on Use
The following policies apply only to the Firm’s site and not to the websites of others we may link to.
Aggregate Data and Cookies. The Firm generally records certain usage information, such as the number and frequency of visitors to this website. This data helps us determine how many visitors use parts of the site and to do internal research on our users’ demographics, interests and behavior to better understand and serve you. This information may include the websites that you access immediately before and after your visit to our website, the Internet browser you are using, and your IP address. If we use such data at all, it will be on an aggregate basis, and we will not voluntarily disclose to third parties any information that could be used to identify you personally.
Personally Identifiable Information. Please be assured that we will not collect personal identifying information about you when you visit our website, unless you choose to provide such information to us. If you voluntarily submit information to our website, for example, your name and e-mail address in a request for information, we may record and use such personally identifiable information for reasonable business purposes including, but not limited to, fulfilling your request. While the Firm takes appropriate measures to safeguard against unauthorized disclosures of information, we cannot assure you that your personally identifiable information will never be disclosed in a manner inconsistent with this policy and make no representations or warranties regarding the sufficiency of our security measures.
Use of Website. Any person using this website is permitted to view, store, bookmark, download and print individual website pages for personal and non-commercial purposes only. These uses must not alter the original website content, including all legal notices and legends. Our prior permission is required for (i) any commercial use of materials on this website; (ii) making more than minimal copies of website materials; and (iii) copying large portions of our website, such as by bots, robots or spiders that “harvest” the website. If you seek permission for such use of our website, please contact us at email@example.com. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.
You hereby represent and warrant to the Firm that you will not use this website for any purpose that is unlawful or prohibited by these Terms and Conditions, including but not limited to attempting or actually (a) disrupting, impairing or otherwise interfering with the operation or integrity of the website or circumventing any website security system; (b) collecting any information about other users of the website; or (c) systematically extracting content or other information or data contained in the website to populate databases or other sites.
For more information about the Firm’s privacy safeguards, please contact us at firstname.lastname@example.org to read our Privacy Notice.
Important Disclosure Information
Governing Law. You agree that your use of this website and any disputes relating to such use will be governed by the laws of the State of California. Any dispute will be resolved solely in San Diego County, California.
Ongoing Use and Acceptance. The Firm reserves the right, at its discretion, to change, modify, add, or remove portions of these Terms and Conditions at any time. Such changes, modifications, additions or removals shall be effective immediately upon posting. Your continued use of the website following such changes will be conclusively deemed acceptance of any changes to these Terms and Conditions. At all times, you are bound by the then-current version of the Terms and Conditions and of all applicable laws.
Contact Information. We welcome you to contact the Firm regarding our services, policies and to let us know if you have any questions or concerns or complaints. You may reach us at email@example.com.
Past performance may not be indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by the Firm), or any non-investment related content, made reference to directly or indirectly in this blog will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful.
Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained in this blog serves as the receipt of, or as a substitute for, personalized investment advice from the Firm. To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing.
Bull Oak Capital is neither a law firm nor a certified public accounting firm and no portion of the blog content should be construed as legal or accounting advice.