These terms and conditions ("Terms") govern your use of the Oak & Vine Wealth Management website ("Site"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree to these Terms, please do not access or use the Site.

1. Use of the Site: You may use the Site for lawful purposes only. You may not use the Site in any way that violates any applicable federal, state, or local law, regulation, or ordinance. You may not use the Site to harass, defame, abuse, or threaten others or to engage in any other illegal or unethical conduct.

2. Intellectual Property: All content on the Site, including but not limited to text, graphics, logos, images, and software, is the property of Oak & Vine Wealth Management or its content suppliers and is protected by United States and international copyright laws. You may not modify, copy, reproduce, publish, transmit, distribute, display, or create derivative works from any content on the Site without the express written consent of Oak & Vine Wealth Management.

3. Disclaimers: The Site and its content are provided on an "as is" and "as available" basis. Oak & Vine Wealth Management makes no warranties, either express or implied, regarding the Site or its content, including but not limited to any warranties of merchantability or fitness for a particular purpose.

4. Limitation of Liability: Oak & Vine Wealth Management will not be liable for any damages of any kind arising from the use of the Site, including but not limited to direct, indirect, incidental, punitive, and consequential damages.

5. Privacy Policy: Oak & Vine Wealth Management's Privacy Policy governs the collection, use, and disclosure of personal information from users of the Site. By accessing or using the Site, you acknowledge and agree to the terms of Oak & Vine Wealth Management's Privacy Policy.

6. Changes to Terms: Oak & Vine Wealth Management reserves the right to modify these Terms at any time. If we make material changes to these Terms, we will notify you by email or by posting a notice on the Site. Your continued use of the Site after any changes to these Terms indicates your acceptance of the revised Terms.

7. Governing Law: These Terms shall be governed by and construed in accordance with the laws of the state of California, without giving effect to any principles of conflicts of law.

8. Entire Agreement: These Terms constitute the entire agreement between you and Oak & Vine Wealth Management with respect to the Site and supersede all prior or contemporaneous communications and proposals, whether oral or written, between you and Oak & Vine Wealth Management.

9. Termination: Oak & Vine Wealth Management reserves the right to terminate or suspend your access to the Site at any time and for any reason.

If you have any questions or concerns about these Terms, please contact us at Oak & Vine Wealth Management.