Terms of Use

Effective Date: June 1, 2026

Please read these Terms of Use ("Terms") carefully before using the website located at whiteoakbridge.com (the "Site") operated by White Oak Holdings, Inc. d/b/a White Oak Bridge Capital ("White Oak," "we," "us," or "our"). By accessing or using the Site, you agree to be bound by these Terms.

1. Informational Purposes Only

The content on this Site is provided for informational purposes only. Nothing on this Site constitutes an offer to lend, a commitment to lend, a solicitation of a loan application, or a guarantee of loan terms or approval. All loan programs, rates, terms, and conditions are subject to change without notice and are subject to underwriting review, collateral valuation, due diligence, and final approval by White Oak.

No information on this Site should be construed as financial, legal, or investment advice. You should consult with qualified professionals before making any financial or real estate decisions.

2. Not an Offer to Lend

White Oak Holdings, Inc. operates as a California Department of Real Estate (DRE) licensed mortgage broker (DRE# 02088263). We arrange business-purpose mortgage loans and do not make loans directly. Information provided on this Site relates solely to business-purpose loans. This Site and the services described herein are not available for owner-occupied residential properties or consumer-purpose transactions.

3. No Attorney-Client Relationship

Nothing on this Site creates an attorney-client relationship between you and White Oak or any of its employees, officers, or agents. We are not a law firm and do not provide legal advice. Any legal questions regarding mortgage transactions should be directed to a licensed attorney.

4. Wholesale Only

White Oak operates exclusively on a wholesale basis through licensed California mortgage professionals. We do not originate loans directly with borrowers. Any submission through this Site must be made by or on behalf of a California-licensed mortgage professional.

5. Intellectual Property

All content on this Site — including text, graphics, logos, images, and the overall design — is the property of White Oak Holdings, Inc. or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without our prior written consent.

6. Accuracy of Information

We make reasonable efforts to ensure the accuracy of the information on this Site, but we make no representations or warranties, express or implied, regarding the completeness, accuracy, reliability, or suitability of any information. We reserve the right to correct errors and to update or discontinue any content at any time without notice.

7. Third-Party Links and Services

This Site may contain links to third-party websites or embed third-party services (including Tally for form submissions and Microsoft Bookings for scheduling). We are not responsible for the content, privacy practices, or terms of service of any third-party sites or services. Your use of third-party services is governed by those parties' own terms and policies.

8. Limitation of Liability

To the fullest extent permitted by applicable law, White Oak Holdings, Inc. and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, this Site or its content, even if we have been advised of the possibility of such damages.

9. Disclaimer of Warranties

This Site and its content are provided "as is" and "as available" without any warranty of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

10. Governing Law and Jurisdiction

These Terms and any disputes arising out of or relating to the Site or these Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles. Any legal action or proceeding arising under these Terms shall be brought exclusively in the state or federal courts located in Los Angeles County, California, and you consent to the personal jurisdiction of those courts.

11. Changes to These Terms

We reserve the right to modify these Terms at any time. We will post the revised Terms on this page with an updated effective date. Your continued use of the Site following any changes constitutes your acceptance of the revised Terms.

12. Contact Us

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

White Oak Holdings, Inc.
d/b/a White Oak Bridge Capital
251 South Lake Avenue, Suite 800
Pasadena, CA 91101
[email protected]
626-988-0559