Privacy Policy

1. Introduction

Oak Branch A1. Introduction
Oak Branch Advisors LLC (“Oak Branch Advisors,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy & Cookie Policy (the “Policy”) explains what information we collect through our website at oakbranchadvisors.com (the “Site”), how we use and safeguard it, the cookies and similar technologies we use, and the rights and choices available to you.
Oak Branch Advisors provides middle-office loan administration, calculation agent, and related services to institutional participants in private credit and asset-based finance. This Policy applies to visitors to our Site and to individuals who contact us, request a consultation, or otherwise interact with us in connection with our services. It does not alter the terms of any separate agreement between Oak Branch Advisors and its clients, which govern the handling of client and portfolio data provided under those engagements.
2. Scope of This Policy
This Policy covers personal information we collect:
Directly from you, when you complete a contact or consultation form, email or call us, or communicate with our team;
Automatically, as you navigate the Site, through cookies, server logs, and similar technologies; and
From third parties, such as analytics providers, business contacts, and publicly available professional sources.
This Policy does not apply to third-party websites, platforms, or services that may be linked from our Site. We encourage you to review the privacy policies of any third party before providing personal information to it.
3. Information We Collect
3.1 Information You Provide to Us
When you request a consultation, submit an inquiry, or otherwise correspond with us, we may collect:
Identity and contact details – your name, business email address, telephone number, company or fund name, and job title;
Correspondence content – the information contained in your message, inquiry, or request, and any documents you choose to share with us; and
Professional context – details about your organization and the services you are interested in, so that we can respond appropriately.
3.2 Information We Collect Automatically
When you visit the Site, we and our service providers automatically collect certain technical information, including:
Device and connection data – IP address, browser type and version, operating system, and device identifiers;
Usage data – pages viewed, links clicked, referring and exit pages, date and time of access, and time spent on pages; and
Cookie data – information collected through cookies and similar technologies, as described in Section 7.
3.3 Information From Third Parties
We may receive information about you from analytics and advertising partners, from business or referral contacts, and from publicly available professional sources. We use this information to understand engagement with our Site, to respond to inquiries, and to conduct business development consistent with this Policy.
We do not knowingly collect special categories of sensitive personal information through the Site, and we ask that you not submit such information to us unless specifically requested in connection with a service engagement.
4. How We Use Your Information
We use the information we collect for the following purposes:
To respond to your inquiries, provide requested information, and schedule and conduct consultations;
To provide, operate, maintain, and improve the Site and our services;
To communicate with you about our services, including administrative messages and, where permitted, relevant updates;
To analyze how the Site is used so that we can improve its content, functionality, and performance;
To protect the security and integrity of the Site, prevent fraud or misuse, and enforce our terms;
To comply with applicable laws, regulations, and legal process, and to establish, exercise, or defend legal claims.
We do not sell your personal information, and we do not share it for cross-context behavioral advertising in exchange for monetary or other valuable consideration.
5. Legal Bases for Processing (EEA/UK Visitors)
If you are located in the European Economic Area or the United Kingdom, we process your personal information on the following legal bases:
Legitimate interests – to operate and secure our Site, respond to inquiries, and pursue business development, where our interests are not overridden by your rights;
Consent – for non-essential cookies and certain communications, which you may withdraw at any time;
Performance of a contract – to take steps at your request prior to entering into, or to perform under, an agreement; and
Legal obligation – to comply with laws and regulatory requirements to which we are subject.
6. Cookie Policy
6.1 What Are Cookies?
Cookies are small text files placed on your device when you visit a website. They are widely used to make websites function, to improve efficiency, and to provide reporting information. We also use similar technologies such as pixels, web beacons, and local storage, which we refer to collectively as “cookies” in this Policy.
6.2 Types of Cookies We Use
Category
Purpose
Strictly Necessary
Required for the Site to function – they enable core features such as page navigation, security, and form submission. The Site cannot operate properly without them, and they cannot be switched off in our systems.
Performance & Analytics
Help us understand how visitors interact with the Site by collecting aggregated, non-identifying information about pages visited and any errors encountered, so we can measure and improve performance.
Functionality
Allow the Site to remember choices you make (such as your preferences) to provide a more personalized experience.
Targeting & Advertising
May be set by us or our partners to build a profile of your interests and measure the effectiveness of campaigns. Where used, these are only set with your consent.

6.3 Third-Party Cookies
Some cookies are placed by third-party services that appear on our Site, such as analytics providers. These providers may use cookies to collect information about your online activities across websites over time. We do not control these third-party cookies, and their use is governed by the privacy policies of the providers concerned.
6.4 How to Manage Cookies
You can control and manage cookies in several ways. Most browsers allow you to refuse or delete cookies through their settings; the method varies by browser, and you should consult your browser’s help function for details. Where we use non-essential cookies, we will seek your consent through a cookie banner or preference tool, and you can change or withdraw your choices at any time through that tool.
Please note that if you disable or refuse certain cookies, some parts of the Site may become inaccessible or may not function properly.
7. How We Share Your Information
We do not sell your personal information. We may share it in the following limited circumstances:
Service providers – with vendors who perform services on our behalf, such as website hosting, analytics, IT, and communications, under obligations of confidentiality and data protection;
Legal and regulatory – where required to comply with applicable law, regulation, legal process, or governmental request, or to protect our rights, property, or safety and that of others;
Business transfers – in connection with a merger, acquisition, financing, or sale of assets, in which case personal information may be transferred as part of that transaction; and
With your direction – where you otherwise consent to or request the sharing of your information.
8. Data Retention
We retain personal information for as long as necessary to fulfill the purposes described in this Policy, including to respond to inquiries, maintain business relationships, and satisfy legal, accounting, or reporting requirements. When personal information is no longer needed, we take reasonable steps to delete or anonymize it.
9. Data Security
We maintain administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, disclosure, alteration, and destruction. No method of transmission over the internet or electronic storage is completely secure, however, and we cannot guarantee absolute security. You are responsible for keeping any credentials you use in connection with our services confidential.
10. International Data Transfers
Oak Branch Advisors is based in the United States, and the information we collect is processed in the United States. If you access the Site from outside the United States, you understand that your information may be transferred to, stored, and processed in the United States, where data protection laws may differ from those in your jurisdiction. Where required, we implement appropriate safeguards for such transfers.
11. Your Privacy Rights
11.1 EEA and UK Residents
Subject to applicable law, you may have the right to request access to, correction of, or deletion of your personal information; to restrict or object to certain processing; to request portability of your information; and to withdraw consent where processing is based on consent. You also have the right to lodge a complaint with your local data protection authority.
11.2 California Residents
Under the California Consumer Privacy Act, as amended, California residents may have the right to know what personal information we collect, use, and disclose; to request access to or deletion of their personal information; to correct inaccurate information; and to be free from discrimination for exercising these rights. Because we do not sell personal information or share it for cross-context behavioral advertising for valuable consideration, no opt-out of such activities is required; where any such activity occurs, we will provide the required opt-out mechanism.
11.3 How to Exercise Your Rights
To exercise any of these rights, contact us using the details in Section 15. We may need to verify your identity before responding, and we will respond within the timeframes required by applicable law. You may use an authorized agent to submit a request on your behalf where permitted.
12. Third-Party Links
The Site may contain links to third-party websites, plug-ins, and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party sites and are not responsible for their privacy practices.
13. Children’s Privacy
The Site is intended for a professional and institutional audience and is not directed to children under the age of 16. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us so that we can take appropriate action.
14. Do Not Track
Some browsers offer a “Do Not Track” signal. Because no common industry standard for responding to these signals has been adopted, the Site does not currently respond to Do Not Track signals. You can still manage cookies as described in Section 6.
15. Changes to This Policy
We may update this Policy from time to time to reflect changes in our practices, technologies, legal requirements, or other factors. When we make material changes, we will revise the “Last updated” date at the top of this Policy and, where appropriate, provide additional notice. We encourage you to review this Policy periodically.
16. Contact Us
If you have questions about this Policy or our privacy practices, or wish to exercise your rights, please contact us:
Oak Branch Advisors LLC
Principal Office – 260 Madison Avenue, New York, New York 10016
Greenwich Office – 500 West Putnam Avenue, Suite 400, Greenwich, CT 06830
Phone: 203-542-7200
Email: consultations@oakbranchadvisors.com
dvisors LLC (“Oak Branch Advisors,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy & Cookie Policy (the “Policy”) explains what information we collect through our website at oakbranchadvisors.com (the “Site”), how we use and safeguard it, the cookies and similar technologies we use, and the rights and choices available to you.

Oak Branch Advisors provides middle-office loan administration, calculation agent, and related services to institutional participants in private credit and asset-based finance. This Policy applies to visitors to our Site and to individuals who contact us, request a consultation, or otherwise interact with us in connection with our services. It does not alter the terms of any separate agreement between Oak Branch Advisors and its clients, which govern the handling of client and portfolio data provided under those engagements.

2. Scope of This Policy

This Policy covers personal information we collect:

• Directly from you, when you complete a contact or consultation form, email or call us, or communicate with our team;
• Automatically, as you navigate the Site, through cookies, server logs, and similar technologies; and
• From third parties, such as analytics providers, business contacts, and publicly available professional sources.

This Policy does not apply to third-party websites, platforms, or services that may be linked from our Site. We encourage you to review the privacy policies of any third party before providing personal information to it.

3. Information We Collect

3.1 Information You Provide to Us

When you request a consultation, submit an inquiry, or otherwise correspond with us, we may collect:

• Identity and contact details – your name, business email address, telephone number, company or fund name, and job title;
• Correspondence content – the information contained in your message, inquiry, or request, and any documents you choose to share with us; and
• Professional context – details about your organization and the services you are interested in, so that we can respond appropriately.

3.2 Information We Collect Automatically

When you visit the Site, we and our service providers automatically collect certain technical information, including:

• Device and connection data – IP address, browser type and version, operating system, and device identifiers;
• Usage data – pages viewed, links clicked, referring and exit pages, date and time of access, and time spent on pages; and
• Cookie data – information collected through cookies and similar technologies, as described in Section 7.

3.3 Information From Third Parties

We may receive information about you from analytics and advertising partners, from business or referral contacts, and from publicly available professional sources. We use this information to understand engagement with our Site, to respond to inquiries, and to conduct business development consistent with this Policy.

We do not knowingly collect special categories of sensitive personal information through the Site, and we ask that you not submit such information to us unless specifically requested in connection with a service engagement.

4. How We Use Your Information

We use the information we collect for the following purposes:

• To respond to your inquiries, provide requested information, and schedule and conduct consultations;
• To provide, operate, maintain, and improve the Site and our services;
• To communicate with you about our services, including administrative messages and, where permitted, relevant updates;
• To analyze how the Site is used so that we can improve its content, functionality, and performance;
• To protect the security and integrity of the Site, prevent fraud or misuse, and enforce our terms;
• To comply with applicable laws, regulations, and legal process, and to establish, exercise, or defend legal claims.

We do not sell your personal information, and we do not share it for cross-context behavioral advertising in exchange for monetary or other valuable consideration.

5. Legal Bases for Processing (EEA/UK Visitors)

If you are located in the European Economic Area or the United Kingdom, we process your personal information on the following legal bases:

• Legitimate interests – to operate and secure our Site, respond to inquiries, and pursue business development, where our interests are not overridden by your rights;
• Consent – for non-essential cookies and certain communications, which you may withdraw at any time;
• Performance of a contract – to take steps at your request prior to entering into, or to perform under, an agreement; and
• Legal obligation – to comply with laws and regulatory requirements to which we are subject.

6. Cookie Policy

6.1 What Are Cookies?

Cookies are small text files placed on your device when you visit a website. They are widely used to make websites function, to improve efficiency, and to provide reporting information. We also use similar technologies such as pixels, web beacons, and local storage, which we refer to collectively as “cookies” in this Policy.

6.2 Types of Cookies We Use

6.3 Third-Party Cookies

Some cookies are placed by third-party services that appear on our Site, such as analytics providers. These providers may use cookies to collect information about your online activities across websites over time. We do not control these third-party cookies, and their use is governed by the privacy policies of the providers concerned.

6.4 How to Manage Cookies

You can control and manage cookies in several ways. Most browsers allow you to refuse or delete cookies through their settings; the method varies by browser, and you should consult your browser’s help function for details. Where we use non-essential cookies, we will seek your consent through a cookie banner or preference tool, and you can change or withdraw your choices at any time through that tool.

Please note that if you disable or refuse certain cookies, some parts of the Site may become inaccessible or may not function properly.

7. How We Share Your Information

We do not sell your personal information. We may share it in the following limited circumstances:

• Service providers – with vendors who perform services on our behalf, such as website hosting, analytics, IT, and communications, under obligations of confidentiality and data protection;
• Legal and regulatory – where required to comply with applicable law, regulation, legal process, or governmental request, or to protect our rights, property, or safety and that of others;
• Business transfers – in connection with a merger, acquisition, financing, or sale of assets, in which case personal information may be transferred as part of that transaction; and
• With your direction – where you otherwise consent to or request the sharing of your information.

8. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this Policy, including to respond to inquiries, maintain business relationships, and satisfy legal, accounting, or reporting requirements. When personal information is no longer needed, we take reasonable steps to delete or anonymize it.

9. Data Security

We maintain administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, disclosure, alteration, and destruction. No method of transmission over the internet or electronic storage is completely secure, however, and we cannot guarantee absolute security. You are responsible for keeping any credentials you use in connection with our services confidential.

10. International Data Transfers

Oak Branch Advisors is based in the United States, and the information we collect is processed in the United States. If you access the Site from outside the United States, you understand that your information may be transferred to, stored, and processed in the United States, where data protection laws may differ from those in your jurisdiction. Where required, we implement appropriate safeguards for such transfers.

11. Your Privacy Rights

11.1 EEA and UK Residents

Subject to applicable law, you may have the right to request access to, correction of, or deletion of your personal information; to restrict or object to certain processing; to request portability of your information; and to withdraw consent where processing is based on consent. You also have the right to lodge a complaint with your local data protection authority.

11.2 California Residents

Under the California Consumer Privacy Act, as amended, California residents may have the right to know what personal information we collect, use, and disclose; to request access to or deletion of their personal information; to correct inaccurate information; and to be free from discrimination for exercising these rights. Because we do not sell personal information or share it for cross-context behavioral advertising for valuable consideration, no opt-out of such activities is required; where any such activity occurs, we will provide the required opt-out mechanism.

11.3 How to Exercise Your Rights

To exercise any of these rights, contact us using the details in Section 15. We may need to verify your identity before responding, and we will respond within the timeframes required by applicable law. You may use an authorized agent to submit a request on your behalf where permitted.

12. Third-Party Links

The Site may contain links to third-party websites, plug-ins, and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party sites and are not responsible for their privacy practices.

13. Children’s Privacy

The Site is intended for a professional and institutional audience and is not directed to children under the age of 16. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us so that we can take appropriate action.

14. Do Not Track

Some browsers offer a “Do Not Track” signal. Because no common industry standard for responding to these signals has been adopted, the Site does not currently respond to Do Not Track signals. You can still manage cookies as described in Section 6.

15. Changes to This Policy

We may update this Policy from time to time to reflect changes in our practices, technologies, legal requirements, or other factors. When we make material changes, we will revise the “Last updated” date at the top of this Policy and, where appropriate, provide additional notice. We encourage you to review this Policy periodically.

16. Contact Us

If you have questions about this Policy or our privacy practices, or wish to exercise your rights, please contact us:

Oak Branch Advisors LLC

Principal Office – 260 Madison Avenue, New York, New York 10016

Greenwich Office – 500 West Putnam Avenue, Suite 400, Greenwich, CT 06830

Phone: 203-542-7200

Email: consultations@oakbranchadvisors.com