Legal & Disclosures

Regulatory Disclosure:

All written content on this site is for information purposes only. Opinions expressed herein are solely those of One Oak Holdings LLC d.b.a as OneWell, and our editorial staff. The information contained in this material has been derived from sources believed to be reliable, but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Advisory services are offered by One Oak Holdings LLC d.b.a as OneWell, a Registered Investment Advisor in the State of Maryland.

The presence of this website shall in no way be construed or interpreted as a solicitation to sell or offer to sell advisory services to any residents of any State other than the State of Maryland or where otherwise legally permitted. All written content is for information purposes only. It is not intended to provide any tax or legal advice or provide the basis for your specific financial decisions. 

Images and photographs are included for the sole purpose of visually enhancing the website. They should not be construed as an endorsement or testimonial from any of the persons in the photograph.

The inclusion of any link is not an endorsement of any products or services by One Oak Holdings LLC d.b.a as OneWell. All links have been provided only as a convenience. These include links to websites operated by other government agencies, nonprofit organizations and private businesses. When you use one of these links, you are no longer on this site and this Privacy Notice will not apply. When you link to another website, you are subject to the privacy of that new site.

When you follow a link to one of these sites neither One Oak Holdings LLC d.b.a as OneWell, nor any agency, officer, or employee of One Oak Holdings LLC d.b.a as OneWell, warrants the accuracy, reliability or timeliness of any information published by these external sites, nor endorses any content, viewpoints, products, or services linked from these systems, and cannot be held liable for any losses caused by reliance on the accuracy, reliability or timeliness of their information. Portions of such information may be incorrect or not current. Any person or entity that relies on any information obtained from these systems does so at her or his own risk.

‍Terms of Use

1. Acceptance of Terms

Welcome to the OneWell website (the “Site”). These Terms of Use (this “Agreement”) govern your access to and use of the Site and any services made available through the Site. “OneWell,” “we,” “us,” and “our” means OneWell and its affiliates, and their respective partners, members, directors, officers and employees. By accessing or using the Site, you acknowledge that you have read, understand, and agree to be bound by this Agreement in its entirety. If you do not agree to these terms, you must not use the Site.

We may revise these terms at any time in our sole discretion. When we make material changes, we will update the “Last updated” date at the top of this page. Your continued use of the Site after changes are posted constitutes acceptance of the revised terms.

2. Information on the Site

Materials on the Site are provided for informational purposes only and are not intended as an offer, solicitation, recommendation or advice (investment, legal, tax or otherwise). Although we strive to keep information current and accurate, we do not represent or warrant the completeness, accuracy or timeliness of the information on the Site. All information is subject to change without notice and may be superseded. Reliance on any information available through the Site is at your own risk.

3. Ownership and Restrictions on Use

All content and materials on the Site — including text, graphics, images, audio and video, data, software and code — are the property of OneWell or our licensors and are protected by copyright, trademark and other intellectual property laws. Except as expressly permitted in this Agreement, you may not copy, reproduce, distribute, publish, broadcast, modify, create derivative works from, transmit, display, perform, sell, license, sublicense or otherwise exploit the Site or its contents for any public or commercial purpose without our prior written permission.

You may download or print a single copy of limited portions of the Site solely for your personal, non-commercial use in connection with evaluating OneWell’s services, provided that you do not remove any copyright, trademark or other proprietary notices. Any other use of the Site or its contents is strictly prohibited.

You must not (and must not enable or assist any third party to): decompile, disassemble, reverse engineer, or otherwise attempt to derive the source code of any software or applications accessible through the Site; circumvent any security features; or otherwise interfere with or disrupt the Site or any servers or networks connected to the Site. We reserve the right to block, suspend or terminate your access to the Site at any time and for any reason, including for violation of this Agreement.

4. Trademarks

All trademarks, service marks and trade names appearing on the Site are the property of OneWell or their respective owners. Nothing on the Site grants you any license or right to use any trademark, logo or service mark appearing on the Site without the express written permission of OneWell or the third party owner.

5. Online Privacy and Cookies

We collect and process personal information in accordance with our Privacy Policy, which is incorporated into this Agreement by reference. The Privacy Policy describes what information we collect, how we use it, how it is stored and shared, and how you may exercise certain rights with respect to your personal data. Please review the Privacy Policy before submitting personal information through the Site.

The Site may also use cookies, web beacons, and similar technologies to improve functionality, analyze usage and support certain features. You may control cookie settings in your browser, but disabling cookies may affect the functionality of the Site.

6. Email and Communications

Email is not a secure means of communication. We recommend that you do not send confidential or sensitive information (such as account numbers, passwords, or other private data) via email. OneWell will not be responsible for any loss or damage arising from the interception or misuse of information you transmit by email. Messages you send to OneWell via email or contact forms may be recorded, stored and reviewed by our personnel and by regulators as required.

7. Risks and Your Assumption of Risk

Information on the Site is provided “as is.” While we make reasonable efforts to avoid errors, the Site may contain inaccuracies, omissions, or outdated information. You agree that OneWell is not liable for any losses or damages that arise from your reliance on information on the Site. Use of the Site and any downloads or materials obtained through the Site are at your sole risk.

8. Monitoring and Recordkeeping

We may monitor, record and retain information about your access to and use of the Site for security, compliance, and operational purposes, and to the extent permitted by law. We have no obligation to monitor user activity on the Site but may do so at our discretion.

9. International Use

The Site is hosted in the United States and is intended for users located where it is lawful to access the Site. If you choose to access the Site from other jurisdictions, you are solely responsible for compliance with local laws. We make no representation that Site content is appropriate or available for use in locations outside the United States.

10. Disclaimer of Warranties

TO THE FULL EXTENT PERMITTED BY LAW, THE SITE AND ALL CONTENT AND SERVICES PROVIDED ON OR THROUGH THE SITE ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. ONEWELL DISCLAIMS ALL WARRANTIES, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING, USAGE, OR TRADE PRACTICE. ONEWELL DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE OR SECURE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVER THAT MAKES THE SITE AVAILABLE IS FREE OF MALWARE OR OTHER HARMFUL COMPONENTS.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL ONEWELL OR ITS AFFILIATES, OR ANY OF THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS OR LICENSORS, BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE OR EXEMPLARY DAMAGES, INCLUDING LOSS OF PROFITS, LOSS OF DATA, OR LOSS OF BUSINESS OPPORTUNITY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF, OR INABILITY TO USE, THE SITE OR ANY CONTENT ON THE SITE, EVEN IF ONEWELL HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. ONEWELL’S AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SITE SHALL BE LIMITED TO THE AMOUNT, IF ANY, PAID BY YOU TO ONEWELL FOR ACCESS TO THE SITE DURING THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR, IF NO AMOUNT WAS PAID, TO THE MAXIMUM EXTENT PERMITTED BY LAW.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so portions of the above limitation may not apply to you.

12. Governing Law and Dispute Resolution

This Agreement and your use of the Site shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to conflict-of-law principles. Any dispute arising out of or relating to this Agreement or your use of the Site shall be resolved in the state or federal courts located in the State of Delaware, and you hereby consent to the personal jurisdiction of such courts. If you would like us to identify a specific governing jurisdiction, please advise and we will incorporate it.

13. Modification and Termination

We may modify, suspend or discontinue any part of the Site or this Agreement at any time, with or without notice. We may also terminate or suspend your access to the Site if you violate this Agreement or for any other reason. If you do not agree with any changes to this Agreement, your sole remedy is to stop using the Site.

14. Termination of Access

We reserve the right, at our sole discretion and without notice, to deny access to the Site to any user, and to block or terminate any user’s access to all or part of the Site for any reason, including suspected breach of this Agreement or behavior that we reasonably determine to be harmful to other users, third parties or OneWell.

15. General Provisions

• Severability: If any provision of this Agreement is held to be invalid or unenforceable, that provision will be enforced to the maximum extent permitted and the remaining provisions will remain in full force and effect.
  
• Waiver: Our failure to enforce any right or provision of this Agreement will not be considered a waiver of such right or provision.
  
• Entire Agreement: This Agreement, together with our Privacy Policy and any other policies expressly incorporated by reference, constitutes the entire agreement between you and OneWell with respect to your use of the Site and supersedes all prior or contemporaneous communications and proposals.
  

16. Contact

If you have questions about this Agreement or any content on the Site, please contact us at: contact@investonewell.com

Privacy Policy

Last updated and effective: January 2026

About this Privacy Notice

This Privacy Notice explains how OneWell collects, uses, discloses and protects personal data about you. Please read it carefully.

Throughout this Notice, “OneWell,” “we,” “us,” or “our” refers to OneWell and its affiliates (as applicable). “Personal data” means any information relating to an identified or identifiable living individual.

We are committed to maintaining the confidentiality, integrity and security of the personal data we hold. We have implemented policies and safeguards designed to protect personal data while enabling us to deliver our services and administer our business. For the purposes of applicable data protection laws, OneWell is a data controller in relation to the personal data described in this Notice.

If collection of your personal data is mandatory (for example, to meet legal “Know Your Customer” obligations), we will tell you when we collect it. If you do not provide required personal data, we may be unable to provide some or all services.

If you are a resident of California, please see the “California Privacy Notice” section below for information about additional rights.

Personal data we collect about you

We collect and process different categories of personal data depending on your relationship with OneWell and the services we provide. These categories include, without limitation:

Personal data you provide directly. Information you give us when you communicate with us, complete forms, apply for roles, sign agreements, or otherwise interact with OneWell, including:

• Identifying data (name, email, telephone number, postal address);
• Contact and professional details (employer, title);
• Application materials (resume, cover letter) where applicable;
• Account, bank or payment details and tax information where required to provide services;
• Government identification (passport, driver’s license or national ID) and other KYC/AML information when required;
• Information about dependents or other persons you ask us to assist (where appropriate and lawful).
  

Personal data we collect or generate. Information created or recorded by OneWell in connection with our business relationship, such as:

• Records of our communications and interactions (emails, call recordings where permitted);
• Transactional and account relationship information;
• Risk or suitability assessments and profiling information; and
• Technical and usage data (IP address, device and browser type, pages viewed, and other analytics collected automatically).

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Personal data obtained from other sources. We may collect information about you from:

• Publicly available sources (e.g., public registries);
• Service providers and data vendors (for example, identity verification and screening providers); and
• Other third parties (e.g., your professional advisors or institutions with whom you have relationships), where permitted by law.
  
  

How we use personal data

We use personal data for the following general purposes:

• To manage and administer our business and provide services to our clients;
• To operate, maintain and improve our website, products and services;
• To assess and manage risk and to tailor our services to client needs;
• To respond to requests and inquiries and provide customer support;
• For marketing and event communications where permitted (we will provide opt-out choices);
• To conduct market research and analytics;
• To detect, prevent or investigate fraud, unlawful activity, and security incidents;
• To comply with legal, regulatory and internal policy obligations (including KYC/AML and reporting obligations);
• To investigate and resolve disputes, enforce our rights, and to defend or bring legal claims; and to administer and maintain records and internal systems.
  
  

We rely on a range of legal bases to process personal data, including where processing is necessary to perform a contract with you, where we have a legitimate interest (for example, to run and improve our business), where we must process personal data to comply with legal obligations, or where we have your consent.

Disclosure of your personal data to third parties

We may disclose personal data to:

• Affiliates and service providers that perform services on our behalf (for example, IT, data hosting, custodial, administration, legal, audit and other professional services). These parties are subject to contractual obligations to protect your data;
• Business partners and counterparties (for example, asset managers, custodians, professional advisors), who may be independent controllers of your data;
• Regulators, law enforcement and courts where required by law or to respond to legal process;
• Third parties involved in corporate transactions (e.g., a merger, acquisition, financing or sale of assets); and
• Other parties where necessary to protect our rights, property or safety, or the rights, property or safety of others.
  
  

Where required by law or contract, we enter into appropriate agreements (for example, data processing agreements or standard contractual clauses) to ensure that third parties protect your personal data.

International transfers of personal data

Personal data collected by OneWell may be transferred to and processed in countries other than the country in which the data was originally collected. When transfers occur, we will ensure that personal data receives an adequate level of protection, for example by transferring to countries the regulator recognizes as offering adequate safeguards or by putting in place appropriate contractual protections (such as the EU/UK Standard Contractual Clauses), or by another lawful transfer mechanism under applicable law. If you would like a copy of the safeguards we use, please contact us (see “How to contact us” below).

How long we retain personal data

We retain personal data for as long as necessary for the purpose(s) for which it was collected and to meet legal, regulatory, tax or accounting obligations. Specific retention periods depend on the nature of the personal data and the reason for processing it; where possible we will let you know the applicable retention period or the criteria used to determine that period.

Your rights

Subject to applicable law, you may have rights in relation to the personal data we hold about you, including the right to:

• Access the personal data we hold about you and receive information about how it is processed;
• Request correction of inaccurate or incomplete personal data;
• Request deletion of personal data in certain circumstances (subject to legal and contractual limitations);
• Withdraw consent where processing is based on consent (to the extent consent is a lawful basis for processing);
• Object to or request restriction of certain types of processing (for example, for direct marketing or profiling based on legitimate interests);
• Request portability of personal data you have provided to us in a structured, commonly used and machine-readable format (where applicable); and
• Lodge a complaint with a supervisory authority if you consider we have not complied with applicable data protection laws.
  
  

We may need to verify your identity and request additional information before processing certain requests. We will respond to valid requests in accordance with applicable law.

How to exercise your rights or contact us

To exercise your rights or with any questions about this Privacy Notice, please contact OneWell’s Data Privacy team:

Email: contact@investonewell.com

If you are a California resident, please see the “California Privacy Notice” section below for how to make CCPA/CPRA requests.

Cookies and similar technologies

We and our service providers use cookies, web beacons and other technologies to collect information about your browsing activity and to support the Site’s functionality (for example, to remember preferences or to enable login). We may also use analytics tools (such as Google Analytics) to understand how visitors use the Site.

You can control cookies through your browser settings. Disabling cookies may affect Site functionality and your experience.

Sensitive personal data

We generally do not seek to collect sensitive personal data (such as racial or ethnic origin, health information, or precise biometric data) except where necessary and permitted by law (for example, as part of identity verification or regulatory checks). Where we do process sensitive personal data, we will do so only with appropriate safeguards and only to the extent necessary for the purpose.

Security

We implement reasonable administrative, technical and physical measures to protect personal data against loss, theft, misuse, unauthorized access, disclosure, alteration and destruction. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security of data.

Changes to this Privacy Notice

We may update this Privacy Notice from time to time. The “Last updated” date at the top of this notice indicates when we last revised it. We encourage you to review this notice periodically.

California Privacy Notice

(for residents of California)

This section describes certain rights of California residents under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), and other California privacy laws where applicable. This section supplements the rest of this Privacy Notice.

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Categories of personal data collected — We may collect the following categories of personal data about California residents (examples): identifiers (name, email, phone, postal address); personal records (account and tax details); characteristics of protected classes; commercial information (products and services requested); internet and electronic network activity (IP address, browsing history); geolocation (IP-based location); professional or employment information; sensory data (photos, audio, video); and inferences about preferences or other characteristics. Some categories may include sensitive personal data under California law.

Sources — We collect personal data directly from you, automatically via cookies and Site analytics, from service providers, and from public or third-party data sources.

Purposes — We use and disclose the categories of personal data described above for the business purposes described earlier in this Notice (e.g., to provide and improve services, regulatory compliance, security, and communications).

Do we sell personal data? — OneWell does not sell personal data or share personal data for cross-context behavioral advertising. Where required by law, we will honor requests to opt-out of any sale or sharing.

Your rights under California law — California residents have the right to:

• Know the categories and specific pieces of personal data we have collected about you and the categories of sources, purposes, and categories of third-party recipients;
• Delete personal data we have collected about you (subject to exceptions);
• Correct inaccurate personal data that we maintain about you;
• Limit the use and disclosure of sensitive personal data; and
• Non-discrimination for exercising these rights.
  
  

How to exercise California rights — California residents may submit verifiable requests to exercise their rights by emailing contact@investonewell.com. We will verify your identity before processing requests and may ask for additional information to validate your request. You may designate an authorized agent to make a request on your behalf; the agent must provide proof of authorization.

How long we keep personal data

We retain personal data only as long as necessary to fulfill the purposes for which it was collected and to comply with legal, tax and regulatory obligations. Retention periods vary by data type and purpose; where feasible, we will provide specific retention periods upon request or at the point of collection.

Changes and updates; contact information

If you have questions about this Privacy Notice, would like to submit a privacy request, or need this Notice in an alternative format or language, please contact:

Email: contact@investonewell.com

If you are a California resident, you may submit a CCPA/CPRA request via the same contact methods above.