Website legal policies

Salt & Oak Development Group ("Salt & Oak," "we," "us," or "our") respects your privacy. This Privacy Policy explains what information we collect through www.saltoakdevelopment.com (the "Website"), how we use and disclose it, and the choices available to you.

By using the Website, submitting an inquiry, subscribing to Project Notes, using the AI concierge, or obtaining a free or paid digital product, you acknowledge the practices described in this Privacy Policy.

1. Information We Collect

Information you provide directly

We may collect information you provide when you:

• Submit a consultation or contact form;
• Ask a question through the AI concierge;
• Subscribe to Project Notes or another email list;
• Request a free resource;
• Purchase a digital product;
• Contact us by email or telephone; or
• Otherwise communicate with us.

This information may include:

• Your name;
• Email address;
• Telephone number;
• Company or organization;
• Project location;
• Project type, stage, budget range, timeline, goals, and other project details;
• The services or resources that interest you;
• Newsletter and marketing preferences;
• Order information, such as the product purchased, purchase date, amount paid, and transaction status; and
• Any other information you choose to provide.

Please do not submit passwords, payment-card numbers, Social Security numbers, confidential legal information, protected health information, trade secrets, or other highly sensitive information through the contact form or AI concierge.

Payment information

Payments are processed by Stripe or another third-party payment processor identified at checkout. Salt & Oak does not directly receive or store your full payment-card number, security code, or bank-account credentials. The payment processor may collect billing, payment, device, fraud-prevention, and transaction information under its own privacy policy.

Information collected automatically

When you use the Website, we and our service providers may automatically collect information such as:

• Internet Protocol address;
• Browser type and version;
• Device type and operating system;
• Pages viewed and links selected;
• Referring and exit pages;
• Date, time, and approximate duration of visits;
• General geographic area derived from an IP address;
• Cookie, local-storage, session, and similar identifiers; and
• Technical and diagnostic information concerning Website performance, security, and errors.

We may use cookies and similar technologies that are necessary for Website operation, checkout, security, preferences, analytics, and performance. You can adjust your browser settings to block or delete cookies, but some Website features may not function correctly as a result.

2. How We Use Information

We may use information to:

• Respond to questions and consultation requests;
• Evaluate whether Salt & Oak's services may be a fit for a project;
• Provide, administer, and improve consulting services;
• Process purchases and deliver free or paid digital resources;
• Send order confirmations, receipts, download links, support messages, and other transactional communications;
• Send Project Notes or other marketing emails when you have requested or permitted them;
• Personalize and improve the Website, resources, and communications;
• Operate, monitor, troubleshoot, and secure the Website;
• Detect and prevent fraud, misuse, and unlawful activity;
• Maintain business, accounting, tax, and transaction records;
• Enforce our Terms of Use, Refund and Digital Download Policy, Product License, and other agreements; and
• Comply with legal obligations and protect our rights and the rights of others.

Submitting a consultation request, requesting a download, or purchasing a product does not automatically subscribe you to marketing emails unless you separately choose that option. You may still receive transactional messages necessary to respond to your request or fulfill your order.

3. AI Concierge

The Website may include an AI-powered concierge that provides general information about Salt & Oak's services, fees, scope, resources, and fit. Questions and related technical data submitted through the concierge may be processed by third-party technology and artificial-intelligence service providers for the purpose of generating and delivering a response.

Do not submit confidential, privileged, proprietary, or highly sensitive information through the AI concierge. AI-generated responses may be incomplete or inaccurate and are not a substitute for speaking directly with Salt & Oak or an appropriately licensed professional.

4. How We Disclose Information

We may disclose information to:

• Service providers: Providers that support Website hosting, database storage, payment processing, email delivery, newsletter distribution, file delivery, analytics, customer support, AI functionality, fraud prevention, security, and other business operations;
• Professional advisers: Accountants, attorneys, insurers, and other professional advisers when reasonably necessary;
• Legal and safety recipients: Government authorities, courts, law enforcement, or other parties when required by law or reasonably necessary to protect rights, property, safety, security, or prevent fraud or abuse;
• Business transaction recipients: A buyer, successor, lender, investor, or adviser in connection with a merger, financing, reorganization, sale of assets, or similar business transaction; and
• Other parties at your direction: When you ask us to disclose information or otherwise consent to the disclosure.

We do not sell personal information for money. We do not disclose payment-card information because Salt & Oak does not directly receive or store full card details.

5. Email Communications

If you subscribe to Project Notes or another marketing list, we may send occasional emails about development, construction, resources, products, and Salt & Oak services. You can unsubscribe at any time by using the unsubscribe link in a marketing email or contacting us at info@saltoakdevelopment.com.

Unsubscribing from marketing messages does not prevent us from sending transactional or service-related communications, such as responses to inquiries, receipts, order confirmations, download links, or legally required notices.

6. Data Retention

We retain information for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, maintain required business and transaction records, resolve disputes, enforce agreements, and comply with legal obligations. Retention periods may vary depending on the nature of the information and the reason it was collected.

7. Data Security

We use reasonable administrative, technical, and organizational safeguards designed to protect information. However, no website, network, storage system, or method of transmission is completely secure. We cannot guarantee absolute security.

8. Your Choices and Privacy Rights

Depending on where you live and subject to applicable law, you may have the right to request access to, correction of, or deletion of certain personal information, or to object to or limit certain uses of it.

To submit a request, email info@saltoakdevelopment.com with the subject line Privacy Request. We may need to verify your identity before completing a request. We may retain information when permitted or required by law, including transaction, tax, security, fraud-prevention, and legal records.

You may also:

• Unsubscribe from marketing emails using the link in the email;
• Control cookies through your browser settings; and
• Choose not to provide optional information, although this may limit our ability to respond or provide certain features.

9. Third-Party Websites and Services

The Website may link to or integrate with third-party websites and services, including payment, email, analytics, social-media, and technology providers. Their privacy practices are governed by their own policies. Salt & Oak is not responsible for the privacy, security, or content of third-party services.

10. Children's Privacy

The Website, consulting services, and digital products are intended for adults and business users. They are not directed to children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child has provided personal information through the Website, contact us so we can review and, where appropriate, delete it.

11. United States Operations

Salt & Oak is based in South Carolina, United States. If you access the Website from another jurisdiction, your information may be processed and stored in the United States and other locations where our service providers operate.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The revised version will be posted on this page with a new effective date. Your continued use of the Website after an update becomes effective constitutes acknowledgment of the revised policy.

13. Contact Us

For privacy questions or requests, contact:

Salt & Oak Development Group Charleston, South Carolina Email: info@saltoakdevelopment.com Telephone: (843) 619-0305

These Terms of Use ("Terms") govern your access to and use of www.saltoakdevelopment.com and its content, features, forms, AI concierge, resources, and digital products (collectively, the "Website"). The Website is operated by Salt & Oak Development Group ("Salt & Oak," "we," "us," or "our").

By accessing or using the Website, you agree to these Terms. If you do not agree, do not use the Website.

1. Eligibility

You must be at least 18 years old and legally able to enter into a binding agreement to use the Website, request consulting services, or purchase digital products. If you use the Website on behalf of a company or organization, you represent that you have authority to bind that entity to these Terms.

2. Website Information Is General

Website content is provided for general educational and informational purposes. It does not constitute architectural, engineering, legal, accounting, tax, financial, investment, insurance, environmental, surveying, code-compliance, or other licensed professional advice.

Construction and development decisions depend on project-specific facts, contracts, site conditions, codes, regulations, budgets, schedules, consultants, and authorities having jurisdiction. You are responsible for obtaining advice from appropriately licensed professionals for your project.

Use of the Website, submission of a form, an email exchange, use of the AI concierge, or purchase of a digital product does not create a client, fiduciary, agency, partnership, joint-venture, or professional-services relationship with Salt & Oak.

3. Consulting Services

Consulting services are offered only under a separate written agreement signed by Salt & Oak and the client. That agreement will control the scope, fees, responsibilities, limitations, schedule, and other terms of the engagement. If these Terms conflict with a signed consulting agreement, the signed consulting agreement controls for that engagement.

Salt & Oak may accept or decline any inquiry or proposed engagement at its discretion.

4. AI Concierge

The Website may offer an AI-powered concierge for general questions about Salt & Oak. AI-generated responses:

• May be incomplete, outdated, or inaccurate;
• Do not constitute professional advice or a project recommendation;
• Do not create a consulting or client relationship;
• Should not be relied upon for financial commitments, construction decisions, legal rights, code compliance, or life-safety matters; and
• Should not be used to transmit confidential, privileged, proprietary, or highly sensitive information.

Important questions should be confirmed directly with Salt & Oak and the appropriate licensed professionals.

5. Digital Products

Salt & Oak may offer free and paid digital products, including worksheets, checklists, trackers, calculators, spreadsheets, guides, templates, toolkits, and related materials.

Digital products are licensed, not sold. Your use of a digital product is governed by the Product License posted on the Website. Purchases are also governed by the Refund and Digital Download Policy.

You are responsible for confirming the product description, file format, software requirements, and suitability before ordering. Product examples, screenshots, and descriptions are illustrative. Results depend on the information entered, the user's judgment, and project-specific circumstances.

6. Orders, Pricing, and Payment

Prices are displayed in U.S. dollars unless otherwise stated. Applicable taxes and any clearly disclosed charges may be added at checkout. Payments are processed by a third-party payment processor.

We may correct pricing, description, or availability errors and may reject or cancel an order before delivery. If we cancel a paid order before providing download access, we will return the amount charged for that order.

You represent that the payment and billing information you provide is accurate and that you are authorized to use the selected payment method.

7. All Sales Final

Because digital products are delivered electronically and cannot be physically returned, purchases are final and non-refundable once download access is provided, except where required by law or as expressly stated in the Refund and Digital Download Policy.

Review the product description, file type, software requirements, license terms, and refund policy before purchasing.

8. Intellectual Property

The Website and its content—including text, branding, logos, graphics, photographs, layouts, articles, downloads, spreadsheets, formulas, dashboards, frameworks, systems, and product designs—are owned by Salt & Oak or used with permission and are protected by intellectual-property laws.

Except for the limited rights expressly granted under the Product License, you may not copy, reproduce, republish, distribute, sell, sublicense, publicly display, create competing derivative products from, scrape, or exploit Website content without prior written permission.

You may link to publicly available Website pages in a lawful manner that does not imply endorsement, sponsorship, or affiliation.

9. Information You Submit

You retain ownership of information you submit through the Website. You grant Salt & Oak permission to use that information as reasonably necessary to respond to you, evaluate an inquiry, provide requested services or products, operate and improve the Website, maintain records, and enforce our agreements.

You represent that information you submit is accurate, lawful, and does not violate another person's rights. Do not submit confidential or proprietary information unless and until appropriate confidentiality arrangements are in place.

10. Acceptable Use

You may not:

• Use the Website for unlawful, fraudulent, deceptive, or harmful activity;
• Attempt to gain unauthorized access to the Website, accounts, systems, or data;
• Introduce malware or interfere with Website operation or security;
• Use automated tools to scrape, copy, extract, or harvest content or data without written permission;
• Circumvent checkout, download, access, or security controls;
• Misrepresent your identity or affiliation;
• Infringe intellectual-property, privacy, publicity, contractual, or other rights; or
• Use Website content or digital products to create or distribute a competing template, resource library, course, membership, software product, or commercial content collection.

11. Third-Party Services and Links

The Website may link to or integrate with third-party services. Salt & Oak does not control and is not responsible for third-party content, availability, security, terms, or privacy practices. Use of third-party services is at your own risk and may be subject to separate terms.

12. No Guarantee of Results

Salt & Oak does not guarantee that the Website, consulting information, or any digital product will prevent delays, cost overruns, change orders, disputes, defects, losses, or other project risks. We do not guarantee any particular financial, scheduling, construction, development, investment, permitting, or business outcome.

13. Disclaimer of Warranties

To the fullest extent permitted by law, the Website and digital products are provided "as is" and "as available" without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, title, accuracy, non-infringement, availability, or compatibility.

We do not warrant that the Website will always be uninterrupted, secure, current, complete, or error-free, or that every digital product will be compatible with every device, software version, or workflow.

Some jurisdictions do not allow certain warranty exclusions, so portions of this section may not apply to you.

14. Limitation of Liability

To the fullest extent permitted by law, Salt & Oak and its owners, employees, contractors, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost revenue, lost data, business interruption, project delay, cost overrun, or loss of opportunity arising from or related to the Website or a digital product.

To the fullest extent permitted by law, Salt & Oak's total liability arising from or related to a digital product or Website transaction will not exceed the amount you paid to Salt & Oak for the product or transaction giving rise to the claim. If no payment was made, Salt & Oak's total liability will not exceed one hundred U.S. dollars ($100).

These limitations do not apply where prohibited by law.

15. Indemnification

To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless Salt & Oak and its owners, employees, and contractors from third-party claims, damages, liabilities, and reasonable costs arising from your unlawful use of the Website, your violation of these Terms or the Product License, or your infringement of another person's rights.

16. Changes to the Website or Terms

We may modify or discontinue Website content, features, or products and may update these Terms from time to time. Updated Terms become effective when posted with a revised effective date. Changes will not retroactively alter the terms applicable to a completed purchase unless required by law.

17. Governing Law and Venue

These Terms are governed by the laws of the State of South Carolina, without regard to conflict-of-law principles. Any legal action arising from or related to these Terms or the Website must be brought in a state or federal court with jurisdiction in Charleston County, South Carolina, unless applicable law requires otherwise.

18. General Provisions

If any provision of these Terms is found unenforceable, the remaining provisions will remain in effect. A failure to enforce a provision is not a waiver. You may not assign your rights under these Terms without our written consent. We may assign these Terms in connection with a business transfer or reorganization.

These Terms, together with the Privacy Policy, Refund and Digital Download Policy, Product License, and any signed consulting agreement, constitute the applicable agreement between you and Salt & Oak concerning the subject addressed by each document.

19. Contact Us

Questions about these Terms may be sent to:

Salt & Oak Development Group Charleston, South Carolina Email: info@saltoakdevelopment.com Telephone: (843) 619-0305

This Refund and Digital Download Policy applies to digital products purchased from Salt & Oak Development Group through www.saltoakdevelopment.com.

1. All Digital-Product Sales Are Final

Digital products are delivered electronically and cannot be physically returned. All digital-product sales are final and non-refundable once download access has been provided.

By completing a purchase, you acknowledge that:

• Delivery may begin immediately after payment;
• You receive access to the digital content without waiting for a physical shipment;
• The product cannot be returned after access is provided; and
• You have reviewed the product description, file type, software requirements, price, and Product License before purchasing.

We do not provide refunds or exchanges because you:

• Changed your mind;
• Purchased the product accidentally;
• No longer need the product;
• Did not use or fully complete the product;
• Expected features not included in the published product description;
• Lack the software, device, skills, or system compatibility required to use the stated file format; or
• Prefer a different format, design, workflow, or level of customization.

Nothing in this policy limits any non-waivable right or remedy available under applicable law.

2. Delivery and Access Problems

If you do not receive the download email or cannot access the file, first check your spam or junk folder and confirm that the email address entered at checkout is correct.

For assistance, contact info@saltoakdevelopment.com and include:

• The name and email address used for the purchase;
• The order or receipt number;
• The product purchased; and
• A description or screenshot of the problem.

We will make reasonable efforts to provide a replacement download link or working copy of the purchased file. A delivery or access problem does not automatically qualify for a refund if the product can be successfully redelivered.

3. Limited Exceptions

Salt & Oak may provide a replacement file, corrected file, account credit, or refund when:

• You were charged more than once for the same purchase;
• You received a different product from the one ordered;
• The delivered file is corrupted or materially unusable and we cannot provide a working replacement; or
• A refund is required by applicable law.

Report a duplicate charge, incorrect file, or technical defect within seven (7) calendar days of purchase whenever reasonably possible. Requests are reviewed based on the transaction record and the nature of the issue. Approval is not guaranteed except where required by law.

Any approved refund will generally be returned to the original payment method. Financial institutions and payment processors control the time required for the credit to appear.

4. Product Descriptions and Compatibility

Each product page identifies the general product purpose, included files, and file format. You are responsible for reviewing that information before purchase and for having compatible software and equipment.

Spreadsheet products may require a current desktop version of Microsoft Excel for full functionality. Features, formulas, formatting, charts, protection, printing, or automation may not perform identically in Google Sheets, Apple Numbers, browser-based spreadsheet programs, older software versions, mobile applications, or third-party viewers unless the product description expressly states otherwise.

PDF products may require a compatible PDF reader. Fillable or interactive features may vary by device and application.

5. Digital Product License

Purchasing or receiving a digital product provides a limited license to use it under the Salt & Oak Product License. It does not transfer copyright or ownership and does not permit resale, redistribution, sublicensing, public posting, or sharing of the original blank template outside the permitted license scope.

6. Consulting Services

This policy applies only to digital products. Consulting retainers, advisory services, project services, deposits, cancellations, and refunds are governed by the applicable written consulting agreement.

7. Charge Questions

If you do not recognize a charge or believe a transaction was processed incorrectly, contact info@saltoakdevelopment.com promptly so we can review it. This does not limit your rights with your card issuer or payment provider.

8. Contact Us

Questions concerning a purchase or download should be sent to:

Salt & Oak Development Group Email: info@saltoakdevelopment.com Telephone: (843) 619-0305

This Product License ("License") applies to free and paid digital products provided by Salt & Oak Development Group ("Salt & Oak"), including spreadsheets, workbooks, worksheets, checklists, trackers, calculators, templates, guides, toolkits, systems, and related files (collectively, "Products").

By downloading, purchasing, opening, copying, modifying, or using a Product, you agree to this License.

1. Ownership

Products are licensed, not sold. Salt & Oak retains all copyright, intellectual-property, and ownership rights in the Products, including their original content, structure, formulas, dashboards, formatting, instructions, frameworks, systems, and design.

Your purchase or download gives you only the limited use rights stated below. No ownership rights are transferred.

2. Who Receives the License

The license is granted to the individual or single legal entity identified in the order or download request (the "Licensee"). The License is non-exclusive, non-transferable, and non-sublicensable except for the limited project-team use expressly permitted below.

If a business or organization is the Licensee, its employees and individual contractors may use the Product solely for that Licensee's internal business and permitted project work. Affiliates, sister companies, clients, joint ventures, and unrelated organizations are not separate Licensees unless they obtain their own license.

3. Permitted Uses

Subject to this License, the Licensee may:

• Use the Product for an unlimited number of projects that the Licensee owns, manages, or directly advises;
• Enter project data and modify fields, assumptions, categories, dates, formatting, and other editable content for those projects;
• Make reasonable working and backup copies for permitted use;
• Allow employees and individual contractors working for the Licensee to use the Product solely on the Licensee's behalf;
• Share completed or substantially project-specific outputs with the Licensee's clients, lenders, boards, consultants, contractors, and other project participants when reasonably necessary for that project; and
• Print or export completed project-specific reports, dashboards, worksheets, schedules, or summaries for permitted project use.

This means a consultant, owner's representative, development manager, project manager, or similar purchaser may use the Product across projects they personally manage or advise and may deliver completed project-specific outputs to their clients. It does not permit the purchaser or client to redistribute or reuse the original blank Product as their own template library.

4. Project-Team Sharing

You may share a working copy with a direct project participant only when reasonably necessary to collaborate on a specific permitted project. That recipient may use the copy solely for that project and may not retain it as a reusable template, use it on another project, distribute it further, or claim ownership.

Whenever practical, share a completed, locked, flattened, or project-specific output rather than the original blank or master Product.

5. Prohibited Uses

Unless Salt & Oak gives prior written permission, you may not:

• Sell, resell, rent, lease, sublicense, assign, gift, or redistribute a Product;
• Share, email, upload, or transfer an original blank or master Product to another person or organization for their independent reuse;
• Post a Product on a public website, shared template library, marketplace, membership site, course, file-sharing service, or unrestricted shared drive;
• Offer a Product, or a substantially similar derivative, as your own template, download, lead magnet, client resource, course material, membership benefit, software feature, or commercial product;
• Copy the Product's structure, formulas, instructions, frameworks, dashboards, or design to create a competing product or resource library;
• Remove or alter Salt & Oak copyright, trademark, watermark, or proprietary notices from the original Product, except to add your own project or company information in fields intended for that purpose;
• Claim that you created or own the original Product;
• Register or attempt to register any Product or derivative as your own intellectual property;
• Use a Product or its contents to train, fine-tune, evaluate, or populate a public or commercial artificial-intelligence model, dataset, template generator, or automated content library; or
• Use the Product for unlawful, misleading, fraudulent, or unsafe purposes.

6. Modifications

You may modify an editable Product for your permitted internal and project-specific use. Modifying a Product does not transfer ownership of the original Product or create a right to sell, distribute, sublicense, or publicly share the modified version.

Salt & Oak is not responsible for errors, broken formulas, inaccurate outputs, lost data, or other problems caused by your modifications, software conversions, third-party applications, or use outside the Product's stated requirements.

7. No Professional Advice or Guaranteed Outcome

Products are practical planning and management tools. They are not architectural, engineering, legal, accounting, tax, investment, insurance, environmental, surveying, code-compliance, or other licensed professional advice.

You are responsible for reviewing inputs, assumptions, calculations, outputs, and decisions and for obtaining appropriate professional advice. Salt & Oak does not guarantee that use of a Product will prevent errors, delays, cost overruns, change orders, disputes, defects, or losses, or produce any particular project or financial outcome.

8. Product Availability, Support, and Updates

Unless the product page expressly states otherwise:

• A purchase includes the version available at the time of purchase;
• Future updates, new editions, added features, customization, implementation, or consulting are not included;
• Support is limited to reasonable assistance with accessing the original delivered file; and
• Salt & Oak is not required to maintain compatibility with future software, operating systems, or third-party platforms.

9. Refunds

All digital-product sales are final and non-refundable once download access is provided, except as required by law or expressly stated in the Refund and Digital Download Policy.

10. Termination

This License remains in effect unless terminated. It terminates automatically if you violate its terms. Upon termination, you must stop using the Product and delete all original, master, and reusable copies in your possession or control. Project-specific completed outputs previously delivered to clients may be retained for legitimate recordkeeping, but may not be reused as templates.

Termination does not limit Salt & Oak's right to pursue remedies for unauthorized copying, distribution, sale, or other infringement.

11. Disclaimer and Limitation of Liability

Products are provided "as is" without warranties of any kind to the fullest extent permitted by law. Salt & Oak's disclaimers and limitations of liability in the Terms of Use also apply to every Product and are incorporated into this License.

12. Governing Law

This License is governed by the laws of the State of South Carolina, without regard to conflict-of-law principles. Any legal action arising from this License must be brought in a state or federal court with jurisdiction in Charleston County, South Carolina, unless applicable law requires otherwise.

13. Contact and Additional Licensing

For questions about permitted use, multi-entity licensing, redistribution, white-label use, or other rights not granted here, contact:

Salt & Oak Development Group Email: info@saltoakdevelopment.com Telephone: (843) 619-0305