Terms of Use

Last Updated: October 3, 2025

1. Acceptance of Terms

These Terms of Use (“Terms”) govern your access to and use of coxstrategicwealth.com (the “Site”). By accessing or using the Site, you agree to these Terms. If you do not agree, do not use the Site.

2. Eligibility & Geographic Scope

The Site is intended for individuals located in the United States who are 18 years of age or older. We do not knowingly collect information from children under 13.

3. No Investment, Legal, or Tax Advice

All content on the Site is provided for informational and educational purposes only and is not investment, legal, accounting, or tax advice. Decisions based on information from the Site are your sole responsibility. Investment involves risk, including possible loss of principal. Past performance does not guarantee future results.

4. No Client Relationship; Disclosures

Viewing or using the Site does not create an advisory, fiduciary, or client relationship with Cox Strategic Wealth. Any such relationship will be established only by a written agreement signed by you and us, and is subject to applicable disclosures and account-opening documents.

5. Permitted Use & Prohibited Conduct

You agree to use the Site only for lawful purposes. You may not:

• Use the Site in any manner that violates applicable law or regulation;
• Attempt to gain unauthorized access to the Site, accounts, systems, or networks;
• Interfere with or disrupt the operation or security of the Site;
• Use any robot, spider, scraper, or other automated means without our prior written consent;
• Upload or transmit malicious code, spam, or content that infringes third-party rights.

6. Intellectual Property

The Site and all text, graphics, logos, icons, images, video, software, and other materials (collectively, “Content”) are owned by Cox Strategic Wealth or its licensors and are protected by intellectual property laws. Except as expressly permitted, you may not copy, modify, distribute, display, perform, or create derivative works from the Content without our prior written permission.

7. Third-Party Links, Tools & Content

The Site may link to third-party websites or include embedded tools (e.g., maps, scheduling, video players). We are not responsible for third-party content, policies, or practices. Accessing third-party sites is at your own risk; review their terms and privacy policies.

8. Privacy

Your use of the Site is also subject to our Privacy Policy. For clients who receive financial products and services, our GLBA Privacy Notice applies as described there.

9. Disclaimers

THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL COX STRATEGIC WEALTH OR ITS OFFICERS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUE, ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE SITE OR CONTENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100) OR THE AMOUNT YOU PAID (IF ANY) TO ACCESS THE SITE IN THE 12 MONTHS BEFORE THE CLAIM AROSE, WHICHEVER IS GREATER.

11. Indemnification

You agree to indemnify, defend, and hold harmless Cox Strategic Wealth and its officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to your violation of these Terms or your misuse of the Site.

12. Copyright/DMCA

If you believe content on the Site infringes your copyright, please email kcox@brookstoneadvisor.com with “DMCA” in the subject line and provide: (a) your contact information; (b) a description of the copyrighted work; (c) the URL of the allegedly infringing content; (d) a statement that you have a good-faith belief that the use is not authorized; (e) a statement, under penalty of perjury, that the information is accurate and you are the copyright owner or authorized to act; and (f) your physical or electronic signature.

13. Governing Law & Venue

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles. Subject to the arbitration provision below, the state or federal courts located in Orange County, California shall have exclusive jurisdiction over any action not subject to arbitration, and you consent to personal jurisdiction and venue in those courts.

14. Arbitration & Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. Any dispute, claim, or controversy arising out of or relating to these Terms or the Site will be resolved by binding arbitration administered by the American Arbitration Association (“AAA”) under its Commercial Arbitration Rules and, as applicable, the Consumer Arbitration Rules. Arbitration will be conducted in Orange County, California, before a single arbitrator. YOU AND WE WAIVE THE RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION. This Section does not apply to (a) claims for injunctive or equitable relief regarding intellectual property rights; or (b) claims that cannot be arbitrated as a matter of law.

15. Changes to the Site/Terms

We may modify or discontinue the Site (in whole or part) at any time without notice. We may update these Terms from time to time by posting the revised version with an updated “Last Updated” date. Your continued use of the Site after changes become effective constitutes acceptance of the updated Terms.

16. Termination

We may suspend or terminate your access to the Site at any time, with or without cause or notice. Sections that by their nature should survive termination (e.g., intellectual property, disclaimers, limitations of liability, indemnity, governing law, arbitration) will survive.

17. Contact

Questions about these Terms? Contact us:

Cox Strategic Wealth
Attn: Terms of Use
30211 Avenida De Las Banderas, Suite 200
Rancho Santa Margarita, CA 92688
Office: (949) 888-6644  |  Cell: (949) 233-3337
Email: kcox@brookstoneadvisor.com

Note: These Terms are a general template for a U.S. financial-services website. Please have your compliance/legal counsel review to align with your actual services, registrations, disclosures, and dispute-resolution preferences.