Copp Oak Advisors Terms of Service

Effective date: October 4, 2026 Version: 1.0

1. Your agreement with Copp Oak

These Terms of Service ("Terms") form a binding agreement between you and Copp Oak LLC, a Virginia limited liability company doing business as Copp Oak Advisors ("Copp Oak," "we," "us," or "our").

You accept these Terms when you (a) select a button or control labeled to show that you agree to them; (b) approve a Proposal, authorization, or booking on a screen that states that approving means you agree to these Terms; (c) connect an account through a Copp Oak authorization page that presents these Terms; or (d) sign or accept an Order that incorporates them. We keep a record of the version you accepted and when and how you accepted it. If you do not agree, do not use the Services.

If you accept for a business or other organization, you represent that you are authorized to bind that organization. In that case, "you" means the organization, except where a provision expressly concerns an individual user's conduct or rights.

An AI assistant, model, or software agent is not itself the contracting customer. A tool invocation or a model's statement that a person agreed does not, without the required authorization and acceptance process, establish that person's agreement.

Simply reviewing our public website does not create a paid engagement, authorize a transaction, or establish a client, fiduciary, or other professional-adviser relationship.

2. Definitions

"Services" means the Copp Oak website, consulting services, software, connectors, integrations, and booking or related services expressly made available under these Terms.

"Connector" means software through which an authorized application or AI assistant invokes defined Copp Oak tools or connects with an enabled external service, including through the Model Context Protocol or another supported interface.

"Host Platform" means the independent AI-assistant, application, or directory platform through which you access a Connector.

"Provider" means an independent supplier, financial-data provider, software vendor, energy provider or intermediary, payment provider, or other third-party service.

"Operator" means a business that offers appointments or services through an enabled Copp Oak booking channel.

"Customer Content" means information and materials you are authorized to submit, and service-specific results returned from those submissions, excluding Copp Oak's underlying software, methods, templates, and other pre-existing materials.

"Proposal" means a draft, estimate, recommendation, comparison, proposed message, or proposed transaction presented for review. A Proposal is not a completed transaction.

"Order" means an accepted order form, statement of work, service schedule, or other written commercial agreement identifying the purchased service.

"Service Schedule" means the page at https://coppoak.com/legal/services that lists each Service, its current status (demonstration, sandbox, beta, or production), and the addenda that apply to it. A feature is a production service only if the Service Schedule lists it as production.

"Consequential Action" means an action taken on your behalf that sends information to a proposed external recipient, sends a message, publishes content, creates or materially changes an external record, books or changes an appointment, cancels a service, enters an agreement, establishes an account, grants material permissions, or initiates a payment or transfer. Sending non-identifying parameters (such as ZIP code, usage amounts, plan type, or seat counts, without your name or contact details) to obtain prices or availability is not a Consequential Action.

3. Which documents control

A negotiated written agreement signed by you and Copp Oak controls the matters it covers. These Terms do not retroactively amend an existing consulting agreement.

Subject to that rule, an applicable Data Processing Addendum controls processor obligations; a service addendum controls its specific subject matter; an accepted Order controls the purchased scope, price, and commercial schedule; and these Terms otherwise apply.

A transaction confirmation specifies the action and transaction particulars you approve. It cannot silently amend an Order, remove a statutory right, or expand data use beyond the applicable notice and authorization.

The Privacy Notice describes our information practices. Acknowledging it is not blanket consent to every possible collection, disclosure, or transaction.

Your prompts, purchase-order boilerplate, and an AI-generated document do not modify this agreement unless the parties expressly accept a written amendment.

4. Eligibility and authorized use

You must be at least 18, have legal capacity to enter the agreement, and use the Services only in jurisdictions where we make them available.

Our standard Services are offered for use in the United States. Any international deployment requires an expressly agreed scope.

You must have the authority to provide Customer Content, connect the relevant account, and request the proposed action. An employee's access to information does not necessarily authorize that employee to bind the employer, disclose the information externally, or change a financial or operational account.

Business customers are responsible for assigning appropriate administrator and user permissions and providing legally required notices to affected individuals.

5. What we provide

Consulting: We provide AI-transformation, technology, process, implementation, and related consulting under the applicable Order. The Order identifies deliverables, assumptions, dependencies, fees, acceptance criteria, responsibilities, and any ongoing support. Website descriptions of services—including the AI Opportunity Review, Opportunity Blueprint, Build Sprint, Company Brain Build, and Steward services—are general descriptions, not a binding quote or promise of a particular business result. Unless an Order expressly provides otherwise, technology consulting does not include legal, tax, investment, accounting, insurance, or other licensed professional services.

Software and Connectors: An enabled Connector may organize authorized information, identify opportunities, prepare drafts or Proposals, return information, or facilitate a specifically confirmed action. The Service Schedule identifies whether a feature is a demonstration, sandbox, beta, or production service. A disabled integration, illustrative offer, or synthetic result does not represent a live connection, available offer, or executable transaction. We do not promise that every Provider supports every function or that a third-party API, directory, or Host Platform will remain available.

6. Your instructions and our confirmation rule

6.1 We propose first. We do not perform a Consequential Action unless it has been confirmed through a Confirmation Method below.

6.2 What you see first. Before you confirm, we will show you (directly or through your Host Platform) a confirmation summary identifying the action, the recipient or system, the information to be sent, material prices and fees (including any fee we will receive), important cancellation terms, and how long the approval lasts.

6.3 Confirmation Methods. (a) In-conversation confirmation. For Consequential Actions that do not charge you money, create a contract with a Provider, or cancel an existing service (for example, requesting a quote or booking a no-charge appointment), you may confirm by using a confirmation control provided by your Host Platform, or by giving an explicit affirmative reply to our confirmation summary that your Host Platform transmits to us. (b) Copp Oak authorization page. For Consequential Actions that enroll you with a Provider, enter into or change an agreement, cancel a service, or authorize a payment, you must confirm on a Copp Oak authorization page reached through a single-use link. The link expires 30 minutes after it is issued unless the page states a shorter period. A service addendum may require a stronger method for a particular action, but never a weaker one.

6.4 What does not count. Installing a Connector, connecting an account for reading, approving a different Proposal, or a statement by an AI system that you agreed is not confirmation unless you also confirmed through a Confirmation Method.

6.5 Reliance. We may treat a confirmation received through a Confirmation Method as your confirmation. You are responsible for confirmations made through your Host Platform account or email by you or anyone you allow to use them. If you believe an action was confirmed without your permission, tell us promptly at ben@coppoak.com and we will help reverse it where we can. This Section does not reduce our responsibility if we did not follow this Section 6.

6.6 Your chance to correct errors. The confirmation summary is your opportunity to review and correct the action before it happens. If anything in it is wrong, do not confirm. Decline it or ask for a revised Proposal.

6.7 Scope and expiry. A confirmation covers only the action shown and the routine steps needed to complete it. It expires at the earliest of 72 hours (or the shorter period shown), a material change to the Proposal, or the expiry of the underlying offer or availability. A material change to the recipient, scope, amount, appointment, contract terms, or information disclosed requires a new confirmation.

You may decline any Proposal. You may revoke an unexecuted instruction through the connector interface or by email to ben@coppoak.com, but revocation cannot necessarily reverse an action already completed by an external system. Applicable cancellation and refund rights continue to apply.

Routine internal calculations, preparation of drafts, security processing, and creation of necessary service receipts are not external Consequential Actions. They remain subject to the applicable permissions and Privacy Notice.

An approval to share information for a quote or enrollment preparation is not approval to enroll, sign a contract, cancel an existing service, or make a payment.

Messages about your requests. If you give us or an Operator a phone number for an appointment or request, you agree to receive calls and texts at that number about that appointment or request, such as confirmations, reminders, and status updates, from Copp Oak or the Operator, which may be sent using automated technology. These messages are not marketing. Message and data rates may apply. Reply STOP to end texts at any time; we will also honor other reasonable ways you tell us to stop. We do not send marketing texts or calls unless you separately give express written consent, which is never a condition of using the Services.

7. AI outputs, source information, and execution status

Your AI assistant. Your Host Platform and its AI models are operated by others, not by Copp Oak, and are not our agents. We are responsible for the information our Connector returns, but not for how your AI assistant summarizes, changes, or adds to it, or for statements it makes that did not come from us. Before you confirm a Consequential Action, rely on the confirmation summary we provide, not on the assistant's paraphrase of it.

AI outputs and automated analyses can be inaccurate, incomplete, outdated, or unsuitable for your circumstances. Review material information before relying on it or confirming an action.

You are responsible for the instructions and decisions you actually authorize. You are not deemed to have authorized an action merely because an AI system suggested or attempted it.

Content retrieved from a document, message, website, or connected system is treated as information, not as independent authority to issue instructions or override your permissions.

A Proposal, availability result, or submitted request is not proof of completion. Completion is determined by the status and confirmation returned by the applicable system or Provider, as identified in the service.

When an action's status is uncertain, do not assume failure and submit repeated requests without checking the status. We may pause execution to investigate a possible duplicate or conflicting instruction.

These provisions do not excuse Copp Oak from the confirmation requirement or from responsibility for its own breach of this agreement.

8. Accounts, connections, and credentials

Where an account is required, provide accurate information, safeguard access, and notify us promptly of suspected unauthorized use.

Use only the designated authorization flow for connected services. Do not provide passwords, one-time passcodes, full account numbers, payment-card security codes, recovery codes, or other prohibited information in a prompt, upload, support message, or receipt record.

The Connector Addendum identifies the approved credential-custody arrangement. A connected-service permission is limited to the scope and purpose disclosed when granted. A material expansion requires the applicable additional authorization.

You may disconnect a connection through the connector or connected-service interface, or by email to ben@coppoak.com. Disconnection may disable dependent functionality but does not automatically terminate the underlying Provider contract, cancel an appointment, or delete all previously created records.

We remain responsible for safeguarding credentials or tokens that an expressly approved production arrangement places in our custody.

9. Fees, free services, and referral compensation

Free savings services: Unless you separately agree to a paid service, Savings Scout and the SaaS Spend Optimizer charge you $0 for their stated analysis and proposal functionality. A free Copp Oak service does not make a Provider's product, subscription, appointment, enrollment, or cancellation free. Provider charges and terms are separate and must be presented as applicable. We will not convert a free service into a paid service for you merely by updating these Terms. A paid service requires your affirmative agreement to its price and billing terms.

Consulting and paid services: You agree to pay the fees in the applicable Order. Unless the Order says otherwise, invoices are due within 30 days. If you are a business customer or Operator, you must notify us in writing of any good-faith invoice dispute within 60 days after the invoice date, identifying the disputed amount and the reason, and pay the undisputed portion on time. Otherwise the invoice is final, except for rights that cannot legally be waived. Late undisputed amounts owed by a business customer or Operator accrue interest at 1.5% per month or the highest lawful rate, whichever is lower, and the business customer or Operator will pay reasonable costs of collection, including attorneys' fees. You are responsible for applicable transaction taxes other than taxes on Copp Oak's income. Notify us promptly of a billing concern at ben@coppoak.com. A contractual billing-review period does not eliminate nonwaivable dispute, refund, or payment-card rights. Recurring billing, automatic renewal, or automatic debits apply only under separately presented and accepted terms that identify the amount or calculation, frequency, cancellation method, and other legally required information.

Provider-funded compensation. Providers and Operators may pay us a referral, platform, or transaction fee. Before you approve a Proposal, it will tell you in plain words (a) whether we will be paid if you proceed, (b) who pays us and what triggers payment, and (c) whether the options shown are limited to Providers that have a fee arrangement with us. Unless a Proposal says otherwise, we order options by estimated net savings or fit to the criteria you gave us. We do not accept payment to rank a Provider higher. We do not compare every provider in the market. You do not pay our fee unless a separate consumer charge is clearly disclosed and you accept it.

10. Third-party Providers and their terms

Providers and Operators offer their own products and services. Their terms, privacy notices, eligibility requirements, prices, and availability apply to those products and services.

Our role in bookings, enrollments, and payments. When you book with an Operator or enroll with a Provider through our Services, your contract for that service is with the Operator or Provider, not with Copp Oak. Copp Oak provides software that helps you find, compare, and book. We are not the seller, contractor, or supplier, and we do not perform, supervise, direct, or guarantee their work. Where you pay through our booking channel, the payment is processed by our payment processor directly to the Operator's own account. The Operator is the seller and merchant of record, its name appears on your statement, and it handles receipts, refunds, and payment disputes under its terms and the law. Copp Oak does not receive, hold, or transfer your payment, except for the fee the Operator pays us from it. Any checks we perform on Operators are described on the Service Schedule; we do not otherwise vet Operators. If you have a problem with the work, contact the Operator first. We will help you reach them and provide the booking record on request.

We identify applicable third-party terms before the connection or transaction where acceptance is required. You are responsible for reviewing the terms you accept. Your approval for Copp Oak to prepare or transmit a request does not grant Copp Oak a general power of attorney or authority to accept an undisclosed agreement for you. We may rely on Provider information, but do not guarantee that a Provider will approve an application, honor an expired offer, maintain an integration, or complete work. Independent Provider terms do not eliminate Copp Oak's responsibility for its own contractual obligations, its own processing, or providers acting on its behalf. Where a source platform imposes lawful restrictions on access, caching, retention, redistribution, or use with AI, the applicable integration must operate within those restrictions. We may disable a function rather than perform an instruction that violates them.

11. Estimates, savings, and regulated uses

Savings, waste, prices, availability, and projected outcomes are estimates unless expressly identified otherwise. They depend on the information available, the stated assumptions, and the time of the comparison. A "customer-reported" or "customer-asserted" outcome means the customer supplied the result. It is not independently verified unless we expressly identify the verification performed. A "verified opportunity" means only the specified facts or calculation were checked using the identified information. It does not mean savings have been realized, a Provider will approve the transaction, or the result has been audited. Do not allow a bill, cancellation deadline, renewal, appointment obligation, or other contractual deadline to lapse solely because you are waiting for an analysis or integration response. Unless a separately approved service expressly provides otherwise, the Services do not provide investment advice, securities brokerage, credit underwriting, consumer reports for eligibility decisions, debt settlement, insurance placement, tax or legal advice, custody of customer funds, or licensed trade services. The Services are not emergency-dispatch or safety-monitoring services. Do not use them when an immediate response is required to protect life, health, or property.

Energy enrollment. Where energy enrollment is offered, the enrollment is submitted by Energy Deals LLC, which is identified, with its license or registration number where required, on the authorization page before you confirm. Copp Oak provides comparison and software services and is not an electricity or natural gas supplier or utility.

12. Acceptable use

You may use documented Connectors and automation interfaces for their intended purposes, subject to published limits. You must not use the Services to access another person's information without authority; bypass security or confirmation controls; impersonate a person; submit deceptive approvals or fabricated outcomes; transmit malware; expose prohibited secrets; unlawfully discriminate; infringe rights; send unlawful marketing; or manipulate attribution or payment records. You must not attempt to make content retrieved from a third party override a user's instructions, system permissions, or transaction-confirmation requirements. You must comply with lawful API limits and may not evade restrictions through multiple accounts or disguised traffic. Nothing in these Terms prohibits truthful reviews, lawful criticism, reporting suspected violations to a regulator, protected whistleblowing, or conduct that applicable law does not permit us to restrict.

13. Customer Content, intellectual property, and feedback

You retain your rights in Customer Content. You grant Copp Oak a nonexclusive right to access, process, reproduce, transmit, and display Customer Content only as necessary to provide the agreed Services, carry out your authorized instructions, secure the Services, and meet lawful recordkeeping obligations. We may also use Customer Content to enforce this agreement, calculate and reconcile fees, establish or defend legal claims, and create de-identified or aggregated information that does not identify, and is not reasonably linkable to, you or any individual. We will not attempt to re-identify that information and will contractually prohibit recipients from doing so. We may use de-identified or aggregated information to operate, measure, and improve our Services. We may permit our service providers to exercise those rights only for their assigned work. This license does not authorize unrelated advertising, sale of personal information, publication of private content, or training of general-purpose AI models on your private content. Copp Oak retains its rights in the Services, software, connector implementations, methods, reusable templates, documentation, and pre-existing materials. Deliverable ownership and any license to embedded Copp Oak materials are governed by the applicable consulting Order. Subject to third-party rights and the applicable Order, you may use results lawfully returned to you for the purpose for which the Service was provided. We do not guarantee that AI-generated results are unique or independently protectable. You may voluntarily provide suggestions about the Services. You grant us a perpetual, royalty-free right to use those suggestions without an obligation to compensate you. This feedback license does not include your confidential business materials, personal information, or content supplied solely for an engagement. Use of your name, logo, testimonial, or case study in our marketing requires your separate permission.

14. Confidentiality

Each party will protect nonpublic information received from the other that is identified as confidential or reasonably should be understood to be confidential. The receiving party will use that information only to perform or exercise rights under the agreement, disclose it only to persons with a need to know who are subject to appropriate duties, and use reasonable care to protect it. These obligations do not cover information the receiving party can demonstrate was lawfully known without restriction, becomes public without breach, is independently developed without use of the information, or is lawfully received from another source without a confidentiality duty. A legally required disclosure is permitted, but the receiving party will provide notice where lawful and reasonably practicable and limit the disclosure to what is required. Confidentiality obligations survive for three years after termination, and for trade secrets for so long as they remain protected under applicable law. Personal-information obligations continue as required by the Privacy Notice, DPA, and applicable law.

15. Suspension, termination, and data access

You may stop using a free Service at any time and may terminate paid Services as the Order provides. We may suspend affected access when reasonably necessary to address a security threat, unauthorized action, legal requirement, material misuse, or a material breach. Where practicable and safe, we will explain the reason and provide a reasonable opportunity to resolve it. For nonpayment of an undisputed amount, we will provide at least 10 days’ notice before suspension, unless the Order provides otherwise. We may discontinue a free feature on reasonable notice. If we terminate a prepaid paid Service for convenience rather than your breach, we will refund the unused prepaid portion, subject to the Order and applicable law. Termination does not automatically cancel a Provider contract or an already confirmed appointment. Those obligations remain subject to their applicable terms. For production records eligible for export, you may request an available export for 30 days after termination, subject to law, security, source-provider restrictions, and the applicable retention schedule. This does not extend a sandbox's disclosed one-hour session life or require us to recreate deleted information. After termination, we stop ordinary processing except as needed for authorized transition, lawful retention, dispute resolution, security, or other obligations described in the Privacy Notice.

16. Warranties and disclaimers

We will perform paid consulting services with reasonable professional care and skill and materially in accordance with the applicable Order. Any additional deliverable warranty, acceptance process, re-performance remedy, or service-level commitment must be stated in the Order. Except for express commitments in this agreement, the Services, estimates, third-party information, beta features, and sandbox features are provided "as is" and "as available," to the extent permitted by law. We do not warrant uninterrupted operation, error-free outputs, compatibility with every system, particular savings, a particular commercial outcome, or an independent Provider's performance. To the extent permitted by law, we disclaim implied warranties of merchantability, fitness for a particular purpose, and noninfringement. These disclaimers do not negate our confirmation rule, confidentiality obligations, express security and privacy commitments, paid consulting standard, or rights and remedies that cannot lawfully be disclaimed.

17. Limits on liability

17.1 Rights and liabilities that remain protected: Nothing in this agreement excludes or limits liability to the extent the exclusion or limitation is prohibited by law, including applicable liability for fraud, willful misconduct, gross negligence, or death or personal injury caused by negligence. Nothing limits your nonwaivable consumer rights or either party's obligation to pay an amount properly due or return money required to be refunded.

17.2 Types of damages: Subject to Section 17.1, neither party is liable under these Terms for indirect, special, incidental, exemplary, punitive, or consequential damages, or lost profits or business opportunities, except to the extent such damages are recoverable under nonwaivable law. Reasonable direct costs to reverse an unauthorized action caused by our breach or restore directly affected data are not excluded merely because they involve correction or restoration. This exclusion does not limit amounts payable to a third party under an applicable indemnity, subject to the agreed indemnity cap. This Section 17.2 does not limit (a) a business customer's or Operator's obligation to pay fees, including fees for Attributed Bookings or attributed jobs, fees owed because of circumvention, and audit adjustments; (b) damages for a business customer's or Operator's breach of the Booking and Operator Addendum, confidentiality obligations, or misuse of Copp Oak's software or data; or (c) amounts payable under Section 18.

17.3 General cap: Subject to Sections 17.1 and 17.4, Copp Oak's aggregate liability arising from the affected Service will not exceed the greater of: (a) fees you paid Copp Oak for that Service during the 12 months before the first event giving rise to the claim; or (b) $500 for an individual using the Service primarily for personal or household purposes, or $1,000 for a business customer. Amounts paid to an independent Provider for its products or services are not fees paid to Copp Oak. A user's receipt of a free Service does not reduce the applicable floor to zero. Related claims arising from substantially the same events are treated together rather than creating a separate cap for each legal theory.

17.4 Higher cap for specified breaches: For Copp Oak's breach of its confidentiality obligations, express data-security obligations, or the requirement to obtain confirmation before a Consequential Action, the general cap is replaced by the greater of two times the general cap or $5,000. The higher cap replaces, rather than adds to, the general cap for the same loss. Section 17.1 continues to control.

18. Business-customer indemnity

This section applies only to business customers and Operators. It does not impose a general indemnity on consumers. You will defend Copp Oak against a third-party claim to the extent caused by your unlawful submission or use of Customer Content, your infringement of that third party's rights, your materially unauthorized instructions, or—if you are an Operator—your provision of the underlying services in breach of law or the applicable agreement. You will pay resulting damages and settlements finally awarded or approved under this section, together with reasonable defense costs. You have no obligation to the extent a claim results from Copp Oak's breach, negligence, or misconduct. Copp Oak must give prompt notice, provided that a delay excuses your obligation only to the extent it materially prejudices the defense. You may control the defense with qualified counsel, and Copp Oak will reasonably cooperate at your expense. You may not settle a claim by admitting wrongdoing by Copp Oak, imposing a nonmonetary obligation on it, or failing to release it from the covered claim without its written consent, not unreasonably withheld. Indemnity cap. Your obligations under this Section are capped at the greater of (a) the fees paid or payable by you to Copp Oak during the 12 months before the claim arose, or (b) $25,000. The cap does not apply to claims arising from (i) bodily injury, death, or property damage caused by an Operator's services, personnel, or subcontractors; (ii) an Operator's pricing, estimates, warranties, or workmanship; (iii) your violation of licensing, consumer-protection, telemarketing, or privacy law; (iv) your fraud, willful misconduct, or gross negligence; or (v) your misuse or unauthorized disclosure of personal information. Any indemnity owed by Copp Oak concerning paid deliverables or intellectual-property claims must be stated in the applicable Order.

19. Governing law

These Terms are governed by Virginia law, without regard to conflict-of-laws rules. If you are a consumer, this does not take away protections that the law of your home state gives you and that cannot be waived by agreement.

20. Resolving disputes

Before filing a claim, either party may send a written notice describing the dispute and requested resolution to the other party. Notices to Copp Oak should be sent to ben@coppoak.com or its postal address below. The parties will attempt in good faith to resolve the dispute for 30 days. This process is not a condition that prevents either party from preserving a limitations period, seeking urgent relief, using small-claims court, or contacting a regulator. Subject to mandatory consumer-law rights, disputes will be brought in the state courts located in Charlottesville, Virginia or the federal courts of the Western District of Virginia, Charlottesville Division, and the parties consent to those courts' jurisdiction. A consumer may also bring a claim in a local court where applicable law permits and does not allow that right to be waived.

Business customers and Operators. If you are a business customer or Operator, you and Copp Oak each waive any right to a jury trial in any dispute arising out of these Terms or the Services, and any claim must be brought within one year after it arises. In a dispute to collect amounts owed, the prevailing party may recover reasonable attorneys' fees and costs.

21. Changes to the Services or Terms

We may update these Terms prospectively. For a material change affecting an existing user, we will provide at least 30 days’ notice by email or in-product notice, unless a shorter period is reasonably necessary for law, security, or prevention of misuse. We will obtain renewed acceptance where required by law or where a change introduces a new paid obligation, materially expands action authority, or changes the dispute agreement in a way requiring acceptance. A change does not alter an already confirmed transaction or a signed Order unless that agreement permits the change or the parties separately agree.

For other changes, your continued use after the effective date means you accept the updated Terms.

22. Other provisions

Entire agreement. The applicable documents identified in Section 3 constitute the agreement concerning their subject matter. They do not supersede an existing signed agreement except as expressly agreed. Severability. An unenforceable provision will be severed or limited only to the extent legally permitted, leaving the remainder effective unless doing so would materially defeat the agreement. No waiver. A failure to enforce a provision is not a waiver of later enforcement. Assignment. Neither party may assign the agreement in a way that materially impairs the other's rights without consent, except that Copp Oak may transfer it with the relevant business if the successor assumes its obligations and required notice is provided. Independent parties. These Terms do not create a partnership, joint venture, employment, franchise, fiduciary, or agency relationship. Copp Oak acts on your behalf only to the limited extent of a specific action you confirm under Section 6, and only for that action. Events outside reasonable control. A party is not responsible for delay caused by events beyond its reasonable control to the extent it uses reasonable efforts to mitigate the effect. This does not excuse accrued payment, required refunds, safeguarding information, or legally required notices. Notices and electronic records. We may provide service notices electronically through the contact information or interface designated for your account or transaction. You may retain a copy of accepted terms and confirmations. Any legally required separate electronic-record consent will be presented separately. Survival. Provisions that by their nature should continue—including accrued payment duties, confidentiality, intellectual property, lawful retention, liability limits, indemnities, and dispute provisions—survive termination.

23. Contact

Copp Oak LLC, a Virginia limited liability company doing business as Copp Oak Advisors c/o Republic Registered Agent LLC, 2807 N Parham Rd Ste 320, Henrico, VA 23294 General support: ben@coppoak.com Legal notices: ben@coppoak.com Website: https://coppoak.com