Terms & Conditions
Effective Date: June 11, 2026
By using this website, scheduling a consultation with OakVale Risk & Planning, submitting information, or communicating with us, you agree to these Terms & Conditions.
Educational Information Only
OakVale Risk & Planning provides educational information and planning-related resources regarding retirement planning, insurance strategies, asset preservation, tax-efficient planning concepts, and legacy planning. Information presented on this website is intended for informational and educational purposes only and should not be interpreted as legal, tax, accounting, investment, or financial advice.
No Client Relationship
Use of this website, scheduling a consultation, submitting a form, or communicating with OakVale Risk & Planning does not establish a client relationship, fiduciary relationship, advisory relationship, or insurance relationship unless a separate written agreement has been executed when required.
SMS Text Messaging Terms
By providing your mobile phone number and opting in, you consent to receive SMS messages from OakVale Risk & Planning, including appointment reminders, scheduling updates, account notifications, client service communications, and marketing messages related to retirement planning, insurance products, financial education, tax-efficient planning concepts, asset protection, and other services offered by OakVale Risk & Planning.
- Message frequency may vary.
- Message and data rates may apply.
- Reply STOP to opt out.
- Reply HELP for help.
- Consent is not a condition of purchasing any product or service.
SMS Privacy
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing with subcontractors in support services, such as customer service, messaging providers, and technical service providers, is permitted solely as necessary to provide requested communications and services. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
Third-Party Websites
This website may contain links to third-party websites, tools, or resources. OakVale Risk & Planning is not responsible for the content, accuracy, availability, security, or privacy practices of any third-party website.
Intellectual Property
Unless otherwise noted, all original content, graphics, logos, text, and website materials are owned by OakVale Risk & Planning and may not be copied, reproduced, distributed, or used without prior written permission.
Disclaimer of Warranties
This website and all information contained herein are provided on an "as-is" and "as-available" basis. OakVale Risk & Planning makes no representations or warranties regarding the completeness, reliability, accuracy, or suitability of any information provided.
Limitation of Liability
To the maximum extent permitted by law, OakVale Risk & Planning shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from the use of this website or reliance upon any information contained herein.
Governing Law
These Terms & Conditions shall be governed by and interpreted under the laws of the State of Minnesota.
Contact Information
OakVale Risk & Planning, LLC
202 N Cedar Ave Ste 1
Owatonna, MN 55060
Phone: (651) 316-8200
Email: hello@oakvalerp.com