Terms & Conditions

Effective Date: March 8, 2026

By accessing or using the Oakley Financial website at michelle-oakley.com and registering for any events or services, you agree to be bound by the following Terms & Conditions. Please read them carefully.

1. Event Registration

By submitting an RSVP form on our website, you are registering to attend a free educational workshop hosted by Michelle Oakley of Oakley Financial. Registration is subject to the following terms:

• Registration is on a first-come, first-served basis and subject to availability.
• Oakley Financial reserves the right to cancel, reschedule, or modify any event at any time. Registered attendees will be notified of any changes.
• You agree to provide accurate and complete information when registering, including your name, email address, phone number, and number of guests.
• There is no fee to attend the workshop. No payment information is collected.

2. SMS Consent

By providing your phone number and submitting the RSVP form, you expressly consent to receive text messages related to your registration, including event confirmations, reminders about event location and time, and appointment notifications. By registering, you agree to the following:

• You may receive event confirmation, reminder, and appointment notification messages.
• Messages are sent via Twilio on behalf of Oakley Financial.
• Reply STOP to opt out of future messages at any time.
• Reply HELP for assistance.
• Standard messaging and data rates may apply depending on your carrier.
• Message frequency varies.
• We do not use your phone number for marketing or promotional messaging.

3. No Financial Advice Disclaimer

The content presented on this website and at Oakley Financial workshops is for general educational and informational purposes only. Nothing on this website or discussed during any workshop constitutes personalized financial advice, investment advice, tax advice, or legal advice.

Michelle Oakley is a Registered Social Security Analyst (RSSA®) and holds the Certified Medicare Insurance Planner (CMIP) designation. Information shared during workshops is intended to help attendees understand their Social Security and Medicare options, but should not be relied upon as a substitute for professional advice tailored to your individual circumstances.

You should consult with a qualified financial advisor, tax professional, or attorney before making any decisions regarding your Social Security benefits, Medicare enrollment, or retirement planning.

4. No Selling or Sharing of Data

Oakley Financial does not sell, rent, trade, or share your personal information with third parties for marketing or commercial purposes. Your information is used solely for the purposes described in our Privacy Policy, which include:

• Processing your event registration
• Sending event-related messages
• Managing client relationships via our CRM (HubSpot)

5. Intellectual Property

All content on this website, including text, graphics, logos, and design, is the property of Oakley Financial and is protected by applicable intellectual property laws. You may not reproduce, distribute, or modify any content without prior written consent.

6. Limitation of Liability

Oakley Financial and Michelle Oakley shall not be held liable for any direct, indirect, incidental, or consequential damages arising from your use of this website, attendance at any workshop, or reliance on any information provided. All information is provided "as is" without warranty of any kind.

7. Governing Law

These Terms & Conditions shall be governed by and construed in accordance with the laws of the State of Tennessee, without regard to its conflict of law provisions. Any disputes arising under or in connection with these terms shall be subject to the exclusive jurisdiction of the courts located in the State of Tennessee.

8. Changes to These Terms

Oakley Financial reserves the right to update or modify these Terms & Conditions at any time. Changes will be posted on this page with a revised effective date. Continued use of the website after any changes constitutes acceptance of the updated terms.

9. Contact Us

If you have questions about these Terms & Conditions, please contact us: