Terms and Conditions

By using our website and services, including text messaging (SMS), you agree to these Terms and Conditions.

1. Introduction

These Terms and Conditions govern your use of the Blue Oak Advance website and our services. If you do not agree, please do not use our website or services.

2. Using Our Website

Age Restriction: You must be at least 18 years old to use our website and services, including text messaging.

Legal Use Only: You may not use our website or text messaging for any illegal or unauthorized purpose. You must obey all relevant laws.

Changes: We may modify, stop, or remove any part of our website, services, or content without notice.

Your Responsibility: You are responsible for how you use any information or materials from our website, including text messages. We are not liable for issues that arise from your use.

3. Intellectual Property

All text, images, logos, software, videos, and text message content on our website are protected by copyright and other laws. You may not copy, distribute, modify, or use any of our content without our written permission.

4. Privacy

Privacy Policy: Our Privacy Policy explains how we collect, use, and protect your data, including information you share through text messages. By using our website and text messaging, you agree to our Privacy Policy.

No Data Sharing: We do not sell your personal information. We also do not sell, rent, or share your SMS opt-in information with third parties for their marketing purposes.

5. SMS/Text Messaging Terms (Use Cases, Opt-Out, Rates, Carrier Disclaimer)

If you opt in to receive SMS from Blue Oak Advance, the following applies:

SMS Use Cases (What Texts Are For):

By providing your phone number and opting in, you agree to receive SMS messages related to:

Appointment confirmations and reminders

Updates on your inquiry or application status

Customer support and service-related notifications

Promotional messages (only if you opted in to marketing messages)

Message Frequency:

Message frequency varies based on your interaction with our services. You may receive up to 3 messages per week.

Message & Data Rates:

Message and data rates may apply. Your mobile carrier may charge fees for sending or receiving text messages, especially if you do not have an unlimited texting/data plan.

Opt-Out Instructions:

You may opt out at any time by replying STOP to any message. After you send STOP, you may receive one final confirmation message, and then you will no longer receive SMS unless you opt in again.

Help/Support:

Reply HELP for assistance or contact us at [email protected]

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Carrier Liability Disclaimer:

Carriers are not liable for delayed or undelivered messages.

6. No Guarantees

Information: Information on our website is for general knowledge only. We do not guarantee it is accurate, complete, or reliable.

No Liability: We are not responsible for losses or problems that may occur from using our website, text messaging services, or any information they provide.

7. Other Websites

We may link to third-party websites. We are not responsible for their content or how they handle your data. Use them at your own risk.

8. Limitation of Liability

To the maximum extent permitted by law, Blue Oak Advance is not liable for any damages (direct, indirect, incidental, consequential, or otherwise) caused by your use of our website, services, or text messaging.

9. Your Responsibility to Protect Us

You agree to defend, indemnify, and hold harmless Blue Oak Advance, including its officers, directors, employees, and affiliates, from any claims, losses, liabilities, or expenses (including legal fees) arising from your use of our website/services or your violation of these Terms.

10. Laws and Disputes

These Terms and Conditions are governed by the laws applicable in Palm Beach County, Florida. Any disputes relating to these terms will be resolved in the courts located in Palm Beach County, Florida.

11. Changes to These Terms

We may change these Terms and Conditions at any time. Continued use of our website and services, including text messaging, means you accept the updated terms.

12. Contact

For questions about these Terms and Conditions, please email us at: [email protected]