Privacy Policy, Form CRS & Form ADV Part 2

Effective 3/25/2026

Oak Harvest Financial Group ("we," "us," or "our") is committed to protecting your privacy. We
respect the privacy of all clients and prospective clients (collectively termed "customers"
according to federal guidelines), both past and present. It is recognized that customers have
entrusted our firm with non‐public personal information, and it is important that both access
persons and customers are aware of firm policy concerning what may be done with that
information.

Federal law gives the customer the right to limit some but not all sharing of personal information. It
also requires us to tell you how we collect, share, and protect your personal information. The firm
provides customers with the privacy policy on an annual basis, and at any time, in advance, if the
privacy policy is expected to change.

Sources of Personal Information

The firm collects personal information about customers from the following sources:

• Information provided to us complete their plan or investment recommendation;
• Information provided via engagement agreements and other documents completed in
  connection with the opening and maintenance of an account;
• Information customers provide verbally; and
• Information received from service providers, such as custodians, about account
  transactions.

Types of Nonpublic Personal Information We Collect

We collect nonpublic personal information about you that is either provided by you or obtained by
us with your authorization. This can include but is not limited to: your Social Security Number, Date
of Birth, Banking Information, Financial Account Numbers and/or Balances, Sources of Income,
and Credit Card Numbers or Information. When you are no longer our customer, we will continue to
adhere to this Privacy Policy with your information.

Disclosure of Non-public Information

The firm does not disclose non‐public personal information about our customers to anyone, except
in the following circumstances:

• When required to provide services our customers have requested;
• When our customers have specifically authorized us to do so;
• When required during the course of a firm assessment (i.e., independent audit); or
• When permitted or required by law (i.e., periodic regulatory examination);
• For marketing by us – to offer our products and services to clients;
• For joint marketing with other financial companies;
• For affiliates’ everyday business purposes - information about client transactions and
  experience; or
• For non‐affiliates to market to clients (only where allowed)

If you are a new customer, we may begin sharing your information on the day you sign our
agreement. If a client decides to close his or her account(s) or becomes an inactive customer, we
will adhere to the privacy policies and practices as described in this Privacy Policy. However, you
can contact us at any time to limit our sharing.

Right to Opt-Out

Federal law allows you the right to limit the sharing of your non-personal information by
“opting‐out” of the following: sharing for non‐affiliates’ everyday business purposes – information
about your creditworthiness; or sharing with affiliates or non‐affiliates who use your information to
market to you. State laws and individual companies may give you additional rights to limit sharing.
Please notify us immediately if you choose to opt out of these types of sharing.

Access to Personal Information

We restrict access to clients’ personal and account information to those employees who need to
know that information in order to provide products or services to clients. We maintain physical,
electronic, and procedural safeguards to guard clients’ non‐public personal information.
In addition to our listed access persons, any IT person or other technical consultants employed at
the firm may also have access to non‐public client information at any time. An on‐site or off‐site
server that stores client information, third‐party software that generates statements or
performance reports, or third‐party client portals designed to store client files all hold the potential
for a breach of non‐public client information.

To mitigate a possible breach of private information, we use encryption software on all computers
and evaluate any third‐party providers, employees, and consultants with regard to their security
protocols, privacy policies, and/or security and privacy training.

Short Message Service (“SMS”) Privacy Policy & Terms

1. Overview This SMS Privacy Policy describes how we collect, use, and protect your mobile phone
number and SMS communications in connection with our text messaging program.

2. Program Description By opting in to our SMS program, you may receive text messages from Oak
Harvest Financial Group related to:

• Appointment scheduling and reminders
• Follow-up on consultation requests
• Retirement planning updates and educational content
• General client service communications

3. How We Collect Your Consent We collect your mobile phone number and SMS consent
through:

• Web forms on our website (oakharvestfg.com)
• Verbal consent documented in our client management system
• Written agreements or intake forms completed in person or electronically

4. Message Frequency Message frequency varies based on your engagement with our firm and
your stage in the client relationship. You will not receive unsolicited bulk promotional messages.

5. Message & Data Rates Standard message and data rates may apply depending on your mobile
carrier and plan. Oak Harvest Financial Group is not responsible for any charges incurred from your
mobile carrier.

6. Opting Out You may opt out of receiving SMS messages at any time by replying STOP to any text
message from us. After opting out, you will receive one final confirmation message and no further
SMS messages will be sent unless you re-opt in. To re-opt in, reply START or contact us directly.

7. Help & Support For assistance with our SMS program, reply HELP to any message or contact us
at:

Phone: (281) 800-9127
Email: info@oakharvestfg.com
Address: 920 Memorial City Way, Suite 150, Houston, TX 77024

8. Data Privacy & Non-Sharing Your mobile phone number and SMS consent information are used
solely for the purposes described in this policy. We do not sell, rent, share, or disclose your mobile
opt-in data or phone number to any third party for marketing purposes. Your information may be
shared only as required by law or with service providers who assist in operating our SMS
communications, under strict confidentiality obligations.

9. Data Security We implement reasonable administrative, technical, and physical safeguards to
protect your mobile number and communication data against unauthorized access, disclosure, or
misuse.

10. Changes to This Policy We reserve the right to update this SMS Privacy Policy at any time.
Material changes will be communicated via our website or by SMS notice where appropriate.
Continued use of our SMS program following any changes constitutes your acceptance of the
updated terms.

11. Contact Us For questions or concerns about this policy or your SMS communications, please
contact:

Oak Harvest Financial Group 920 Memorial City Way, Suite 150 Houston, TX 77024
(281) 800-9127 info@oakharvestfg.com

Oak Harvest Investment Services Customer Relationship Summary and Form ADV Part 2

Please click here to view and download Oak Harvest's Customer Relationship Summary.

Oak Harvest’s Form ADV Part 2 may be viewed and downloaded via the following links: Form ADV Part 2A and Part 2B Brochures.

Please scroll to the bottom of this page for additional important disclosures.