Oaku Financials LLC
Terms of Use
Effective Date: January 1, 2025
Last Updated: September 18, 2026
Welcome to OakuFinancials.com (the “Website”), operated by Oaku Financials LLC, a Texas limited liability company (“Oaku Financials,” “Oaku,” “we,” “our,” or “us”).
These Terms of Use (“Terms”) govern your access to and use of the Website and the information, educational materials, digital products, resources, tools, communications, and other content made available through it.
By accessing or using this Website, you agree to these Terms. If you do not agree with them, please discontinue use of the Website.
These Terms should be read together with Oaku’s Privacy Policy, Copyright & Intellectual Property Policy, Disclosures, and any separate engagement, purchase, subscription, licensing, or other agreement applicable to a particular Oaku product or service.
Table of Contents
1. ABOUT OAKU FINANCIALS
Oaku Financials provides strategic advisory, education, research, and resources in areas that may include:
Tax strategy and planning
Crypto and digital assets
Digital-asset tax reporting and organization
Blockchain
Decentralized finance (DeFi)
Tokenization
Business and wealth strategy
Retirement and legacy considerations
Fraud prevention
Cybersecurity
Privacy
Digital-asset recovery and forensics
Financial education
Oaku may also collaborate with independent professionals such as Certified Public Accountants (CPAs), Enrolled Agents (EAs), attorneys, financial professionals, insurance professionals, cybersecurity specialists, forensic professionals, technology providers, and other qualified specialists.
The precise scope of any service provided to you is governed by the applicable engagement agreement or other written agreement, not merely by information appearing on this Website.
2. EDUCATIONAL INFORMATION — NOT INDIVIDUALIZED PROFESSIONAL ADVICE
Unless expressly provided under a separate written engagement, information available through this Website is provided for general informational and educational purposes.
Website content does not, by itself, constitute individualized:
Legal advice
Tax-return preparation
Accounting advice
Bookkeeping services
Investment advice
Securities recommendations
Insurance advice
Financial-planning advice
Cybersecurity advice
Other regulated professional advice
Tax, legal, financial, investment, and digital-asset circumstances vary substantially among individuals and businesses.
You should consult appropriately qualified professionals concerning your particular circumstances before acting on information provided through the Website.
3. NO PROFESSIONAL OR CLIENT RELATIONSHIP FROM WEBSITE USE
Visiting the Website, downloading a resource, subscribing to Oaku communications, attending an educational event, submitting a contact form, or scheduling a Discovery Call does not by itself create an advisor-client, accountant-client, attorney-client, fiduciary, investment-adviser, or other professional relationship.
A professional relationship with Oaku begins only when Oaku and the client have agreed to an applicable engagement and any required agreement has been accepted or executed.
A relationship with an independent professional introduced through Oaku is governed separately by that professional’s engagement terms.
4. DISCOVERY CALLS
Oaku may offer an introductory Discovery Call to help determine whether Oaku’s services may be relevant to a prospective client’s needs.
A Discovery Call is preliminary in nature.
Unless expressly agreed otherwise in writing, it is not intended to provide comprehensive tax, legal, investment, accounting, financial, cybersecurity, or other professional advice.
Information discussed during a Discovery Call should not be relied upon as a substitute for a formal professional engagement or individualized analysis.
5. DIGITAL ASSETS AND CRYPTOCURRENCY
Digital assets, cryptocurrencies, blockchain-based products, DeFi protocols, tokenized assets, staking arrangements, smart contracts, wallets, bridges, exchanges, and related technologies can involve substantial and evolving risks.
Those risks may include:
Market volatility
Loss of principal
Liquidity risk
Cybersecurity attacks
Fraud and scams
Loss of credentials or private keys
Smart-contract vulnerabilities
Protocol failures
Counterparty failures
Custody risk
Technology failures
Regulatory changes
Tax consequences
Operational failures
Regulators continue to caution that crypto-asset activities can involve significant risk and that investor protections may differ depending upon the asset, intermediary, and activity involved.
Past performance does not guarantee future results.
No Website content should be interpreted as a guarantee that a particular cryptocurrency, digital asset, investment, tax strategy, business strategy, or technology will produce a particular outcome.
6. NO CUSTODY OF DIGITAL ASSETS
Unless expressly provided under a separate written agreement and legally permitted, Oaku does not take custody or control of your cryptocurrency or other digital assets.
Oaku will never request your wallet seed phrase, private key, or exchange password through this Website.
Do not provide these credentials to Oaku or anyone claiming to represent Oaku.
The SEC similarly advises crypto users never to share private keys or seed phrases.
7. TAX INFORMATION
Tax laws, regulations, administrative guidance, reporting requirements, forms, interpretations, and enforcement practices can change.
Information on the Website reflects information available when the applicable content was prepared or updated and may subsequently become outdated.
Tax consequences depend on individual facts and circumstances.
Oaku therefore does not warrant that general educational tax content is appropriate for your individual situation.
Where tax-return preparation, legal opinions, attest services, or other services requiring particular professional qualifications are needed, those services should be performed by appropriately qualified professionals.
8. PROFESSIONAL COLLABORATION
Oaku believes complex financial and digital-asset matters may benefit from collaboration among professionals with different areas of expertise.
With appropriate authorization, Oaku may work with a client’s existing professional team or introduce independent professionals.
However, independent professionals are responsible for the services they individually provide.
Unless expressly stated otherwise, the presence of a professional or organization on the Website does not establish an employment relationship, partnership, joint venture, agency relationship, or guarantee by Oaku concerning that party’s services.
9. THIRD-PARTY SERVICES AND RESOURCES
The Website may provide access or links to third-party:
Professionals
Educational organizations
Software
Exchanges
Wallets
Technology providers
Publications
Websites
Services
Products
Third parties operate independently and may have their own terms, privacy policies, security practices, fees, eligibility requirements, and risks.
A link, reference, collaboration, or introduction does not necessarily constitute an endorsement or guarantee.
You are responsible for evaluating third-party products and services before using them.
10. AFFILIATE AND COMMERCIAL RELATIONSHIPS
Oaku may participate in affiliate, referral, sponsorship, licensing, advertising, or other commercial arrangements with selected organizations.
Where required, Oaku will seek to disclose material relationships appropriately.
A commercial relationship does not alter your responsibility to independently determine whether a third-party product or service is appropriate for you.
Material disclosures should be placed sufficiently close to relevant claims or recommendations rather than relying solely on a general legal page.
FTC guidance emphasizes that disclosures needed to prevent deception should be clear and conspicuous and not buried where consumers are unlikely to notice them.
11. PRODUCTS, COURSES AND DIGITAL CONTENT
Oaku may sell or provide:
eBooks
Whitepapers
Infographics
Reports
Checklists
Templates
Workbooks
Courses
Masterclasses
Videos
Music
Research
Professional education kits
Licensed content
Subscriptions
Other digital resources
Unless expressly stated otherwise, purchasing or downloading Oaku content provides only the usage rights described at the time of purchase or in the applicable license.
Purchasing a product does not transfer ownership of Oaku’s underlying intellectual property.
12. INTELLECTUAL PROPERTY
The Website and Oaku-created materials may contain copyrighted works, trademarks, service marks, proprietary methodologies, graphics, designs, educational frameworks, written materials, audiovisual works, and other intellectual property owned or licensed by Oaku.
Except where expressly authorized, you may not:
Copy
Reproduce
Republish
Distribute
Resell
Sublicense
Commercially exploit
Modify for redistribution
Remove ownership notices
Falsely claim authorship or ownership of protected Oaku content
Professional, commercial, co-branded, enterprise, or redistribution use requires the applicable Oaku license or written permission.
For additional information, see the separate Copyright & Intellectual Property Policy.
13. ARTIFICIAL INTELLIGENCE, SCRAPING AND AUTOMATED USE
Except as permitted by applicable law or expressly authorized in writing, you may not use automated systems to systematically extract, reproduce, compile, republish, or commercially exploit substantial portions of proprietary Oaku content.
No license to Oaku intellectual property is granted merely because content can be publicly accessed through the Website.
Any use of Oaku content for:
Artificial-intelligence training
Dataset development
Model development
Automated content generation
Commercial knowledge bases
Similar commercial purposes
is subject to applicable law and Oaku’s express permissions and licensing terms.
14. USER SUBMISSIONS
If you submit information through the Website, you represent that you have the right to provide that information.
You agree not to submit content that is knowingly:
Unlawful
Fraudulent
Malicious
Defamatory
Infringing
Harmful
Infected with malicious code
Intended to compromise Website security
Please do not submit highly sensitive information through ordinary contact forms unless Oaku specifically requests it through an appropriate secure process.
Treatment of personal information is addressed in Oaku’s Privacy Policy.ncials.com
15. PAYMENTS AND PRICING
Prices for Oaku products and services may change from time to time.
The price and material terms displayed at the time of purchase, together with any applicable engagement or purchase agreement, will govern the transaction.
Any applicable taxes, recurring charges, cancellation provisions, or additional fees should be disclosed during the applicable purchasing process.
Oaku will seek to present pricing and material purchasing terms clearly.
FTC rules and guidance require covered pricing disclosures to be presented clearly and conspicuously in applicable transactions.
16. REFUNDS, CANCELLATIONS AND DIGITAL PRODUCTS
Refund and cancellation rights may differ depending upon the product or service purchased.
The applicable refund, cancellation, rescheduling, or subscription terms presented during purchase or contained in the relevant engagement agreement will control.
Because digital products may be delivered immediately, different refund terms may apply to downloaded or accessed digital content where legally permissible.
Nothing in these Terms eliminates any non-waivable consumer right provided by applicable law.
17. TESTIMONIALS, CASE STUDIES AND EXAMPLES
Testimonials, client experiences, case studies, hypothetical examples, projections, illustrations, and educational scenarios appearing on the Website are provided for informational purposes.
Individual results vary.
A particular client’s or hypothetical person’s experience should not be interpreted as a promise or guarantee that another person will achieve the same or similar result.
Any hypothetical calculations are dependent upon their assumptions and should not be interpreted as predictions of actual future performance.
18. NO GUARANTEE OF RESULTS
Oaku does not guarantee:
Tax savings
Investment returns
Business growth
Recovery of lost or stolen assets
Successful fraud recovery
Particular regulatory outcomes
Particular financial outcomes
Cybersecurity immunity
Future asset values
Any strategy involves assumptions, limitations, uncertainties, and risks.
Users remain responsible for their own decisions and should obtain appropriate individualized professional advice.
19. WEBSITE AVAILABILITY AND ACCURACY
Oaku seeks to provide useful and accurate information, but information may occasionally contain:
Errors
Omissions
Technical inaccuracies
Outdated information
Typographical errors
We may modify, update, suspend, or discontinue Website content or functionality without prior notice where permitted by law.
Oaku does not guarantee uninterrupted or error-free Website availability.als.com
20. ACCESSIBILITY
Oaku Financials is committed to making its Website, educational resources, and digital experiences accessible to as broad an audience as reasonably possible.
We continually seek to improve usability and accessibility.
If you experience difficulty accessing Website content or an Oaku resource, please contact us at:
We will make reasonable efforts to provide requested information or resources in an accessible alternative format where practicable.
Some third-party content, external websites, legacy resources, graphics, multimedia, or downloadable materials may not meet the same accessibility standards.
We welcome accessibility feedback.
21. PROHIBITED USE
You may not use the Website to:
Violate applicable law
Infringe intellectual-property or privacy rights
Attempt unauthorized access to systems or accounts
Introduce malware or malicious code
Circumvent security measures
Impersonate Oaku or another person
Harvest personal information unlawfully
Misrepresent Oaku content as your own
Resell or commercially redistribute Oaku content without authorization
Interfere with Website operation or other users’ access
22. DISCLAIMER OF WARRANTIES
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, the Website and general Website content are provided on an “AS IS” and “AS AVAILABLE” basis.
Oaku disclaims warranties concerning Website availability, completeness, accuracy, merchantability, fitness for a particular purpose, and non-infringement to the extent such warranties may lawfully be disclaimed.
Nothing in this provision modifies warranties or obligations expressly established in a separate written agreement between Oaku and a client.ncials.com
23. LIMITATION OF LIABILITY
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, Oaku Financials LLC and its members, officers, employees, contractors, and representatives will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising solely from use of, or inability to use, the Website or general educational Website content.
Any liability arising from a separately contracted professional service will be governed by the applicable engagement agreement and applicable law.
Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited.als.com
24. INDEMNIFICATION
To the extent permitted by applicable law, you agree to indemnify and hold Oaku Financials harmless from third-party claims arising from:
Your unlawful use of the Website
Your violation of these Terms
Your infringement of another person’s rights
This provision does not apply to the extent a claim results from conduct for which Oaku cannot lawfully disclaim responsibility.OakuFinancials.com
25. GOVERNING LAW
These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law principles, except where applicable federal law or another jurisdiction’s non-waivable law controls.
Any dispute-resolution, venue, arbitration, mediation, jury-waiver, or similar requirements applicable to a particular Oaku professional engagement should be addressed in the applicable engagement agreement.Financials.com
26. PRIVACY
Your use of the Website is also subject to the Oaku Financials Privacy Policy, which explains how Oaku collects, uses, protects, and shares personal information and describes applicable privacy rights.
27. CHANGES TO THESE TERMS
Oaku may update these Terms as our Website, products, services, technologies, or legal requirements evolve.
The revised Terms will display an updated Last Updated date.
Where required by law or contract, additional notice or consent may be provided.
Continued use after an update will be governed by applicable law and the terms validly applicable to that use.
28. SEVERABILITY
If a provision of these Terms is determined to be unlawful, invalid, or unenforceable, the remaining provisions will continue in effect to the extent permitted by law.
29. ENTIRE WEBSITE TERMS
These Terms, together with the Privacy Policy, Copyright & Intellectual Property Policy, Disclosures, and any applicable transaction-specific terms, constitute the terms governing general use of the Website.
If these Website Terms conflict with a separately executed Oaku engagement or licensing agreement regarding a specific service or product, the specific agreement will control to the extent of the conflict.
30. CONTACT US
Questions regarding these Terms may be directed to:
Oaku Financials LLC
Austin, Texas, USA
Email: info@oakufinancials.com
Website: OakuFinancials.com