Terms of Use

Effective date: October 2026

These Terms of Use govern your access to and use of www.skyoak.com and any related websites (together, the “Site”) operated by SkyOak Capital, Inc. (“SkyOak Capital,” “the Company,” “we” or “us”). By accessing or using the Site you agree to these Terms. If you do not agree, do not use the Site.

1. About SkyOak Capital and the information on this Site

SkyOak Capital, Inc. is a Nevada corporation registered with the U.S. Securities and Exchange Commission as an investment advisor. Registration does not imply a certain level of skill or training. Information on the Site is provided for general informational purposes only and is not personalized investment, tax, legal or financial advice, an offer to sell or a solicitation of an offer to buy any security, or a recommendation of any specific investment or strategy. Nothing on the Site creates an advisory relationship with SkyOak Capital. An advisory relationship is formed only by a written agreement between you and SkyOak Capital. You should consult your own financial, tax and legal advisors before acting on any information on the Site. Additional information about SkyOak Capital, including its Form ADV, is available on the Disclosures page and at www.adviserinfo.sec.gov.

2. Use of the Site

You may access and use the Site for your personal, non-commercial use. You agree not to use the Site in any way that violates applicable law, infringes the rights of others, interferes with the operation or security of the Site, or attempts to gain unauthorized access to any part of the Site or its systems. You may not use automated means to copy, scrape or extract Site content except as permitted by our robots directives.

3. Content and intellectual property

The Site and its content, including text, graphics, logos, images, audio, video, design, data and software (the “Content”), are owned by SkyOak Capital or its licensors and are protected by copyright, trademark and other intellectual property laws. Unless otherwise indicated, product and service names on the Site are trademarks of SkyOak Capital. Market data and third-party information on the Site are the property of their respective providers and subject to their terms. You may view, download and print Content for your personal, non-commercial use, provided you keep all copyright and other proprietary notices intact. You may not otherwise modify, reproduce, publish, distribute, transmit, sell, create derivative works from or exploit any Content without SkyOak Capital’s prior written consent.

4. Communications and submissions

If you submit information to SkyOak Capital through the Site, including through a contact form, you represent that it is accurate and that you have the right to provide it. Feedback, questions, comments and suggestions you submit that are not personal information may be used by SkyOak Capital without restriction or compensation. Personal information you submit is handled according to our Privacy Policy. Do not send account instructions, trade requests or time-sensitive matters through the Site’s forms or email; contact your advisor directly.

5. Client portal

Access to the SkyOak Capital client portal is provided by a third-party platform under its own terms of use and is available only to current clients with authorized credentials. You are responsible for keeping your credentials confidential and for all activity under them. Notify SkyOak Capital immediately of any unauthorized access.

6. Third-party links

The Site may contain links to third-party websites provided as a convenience. SkyOak Capital does not control and is not responsible for the content, accuracy or privacy practices of those sites, and a link does not imply endorsement. Your use of any third-party site is at your own risk and subject to that site’s terms.

7. Disclaimer of warranties

The Site and its Content are provided on an “as is” and “as available” basis without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, completeness or timeliness, except to the extent such warranties cannot be excluded under applicable law. SkyOak Capital does not warrant that the Site will be uninterrupted, error-free, secure or free of viruses or other harmful components.

8. Limitation of liability

To the fullest extent permitted by law, SkyOak Capital, its affiliates, and their respective officers, directors, employees, agents and licensors will not be liable for any direct, indirect, incidental, special, consequential or punitive damages, including lost profits or investment losses, arising out of or related to your use of or inability to use the Site or its Content, whether based on contract, tort, negligence or any other theory, even if advised of the possibility of such damages. If you are dissatisfied with the Site or these Terms, your sole remedy is to stop using the Site. Nothing in these Terms limits any liability that cannot be limited under applicable law, and nothing in these Terms limits or waives any rights you have under federal or state securities laws or under any advisory agreement with SkyOak Capital.

9. Indemnification

You agree to indemnify and hold harmless SkyOak Capital, its affiliates, and their respective officers, directors, employees and agents from any claims, damages, losses, liabilities and expenses, including reasonable attorneys’ fees, arising from your use of the Site in violation of these Terms or of any third party’s rights.

10. Termination

SkyOak Capital may suspend or terminate your access to the Site at any time, without notice or liability, for any conduct that violates these Terms or that SkyOak Capital reasonably considers harmful to the Site, its users or the Company.

11. Changes to these Terms

SkyOak Capital may revise these Terms at any time by posting the revised Terms on the Site with a new effective date. Your continued use of the Site after a revision is posted constitutes acceptance of the revised Terms.

12. Governing law and venue

These Terms are governed by the laws of the State of Nevada, where the Company is incorporated and headquartered, without regard to its conflict of law principles. Any dispute arising from these Terms or the Site will be brought in the state or federal courts located in Clark County, NV, and you consent to their jurisdiction.

13. Contact

Questions about these Terms may be directed to SkyOak Capital, Inc., 6671 Las Vegas Blvd S, Suite 210, Las Vegas, NV 89119, (800) 971-8070, or email [email protected].