Everything we're required to tell you — and a few things we think you should know — about how Octus Estate operates, what we do and don't do, and how we handle your information.
Octus Estate is a financial advisory firm. We are not a law firm. We deliver estate planning documents through a platform called Estately and a nationwide attorney network called Estately + Counsel (operated by Advanced Services Law Group). Talking to us does not, by itself, create an attorney-client relationship.
Octus Estate, LLC ("Octus," "we," "us") is a Florida-based financial advisory firm. We guide individuals and families through the estate-planning process across three structured meetings. We are not a law firm, and our advisors are not attorneys unless individually identified as such.
Octus delivers estate planning documents using the Estately platform (operated by Estately, Inc.). For matters that require attorney involvement, Estately partners with Advanced Services Law Group ("ASLG") through a service known as Estately + Counsel. ASLG provides estate-planning legal services in all 50 states and the District of Columbia. When your engagement requires legal services, an attorney licensed in your state of residence will be engaged through Estately + Counsel; that attorney — not Octus — is the provider of legal services to you.
Communications with Octus do not create an attorney-client relationship between you and Octus. An attorney-client relationship is formed only upon execution of a separate engagement letter with the law firm providing legal services (ASLG, where applicable), and is governed by that firm's terms.
Information provided on this website, in our blog and resources, and during informational calls is for general educational purposes only. It does not constitute legal advice, tax advice, accounting advice, or investment advice, and is not a substitute for the advice of a licensed professional retained for your specific circumstances. Estate planning, tax law, and probate law vary by state and change over time; results in one situation do not predict outcomes in another.
Octus serves clients nationwide. In each engagement, legal services are provided by an attorney licensed in the client's state of residence through Estately + Counsel / ASLG. Octus does not practice law and does not hold itself out as a law firm in any jurisdiction.
Client testimonials displayed on this website are voluntarily provided by real clients with their written permission. Names may be modified for privacy. Testimonials reflect individual experiences and are not a guarantee, warranty, or prediction of any future result for any other client. Past outcomes do not guarantee future outcomes. Compensation has not been paid for testimonials.
Where we cite figures such as the percentage of Americans without an estate plan, source data is drawn from publicly available studies (e.g., Caring.com Wills Survey). Such studies are current as of the date cited and may not reflect present conditions.
Any statements regarding expected outcomes, processing timelines ("3–5 weeks," etc.), or fees ("$2,500 flat") are estimates and good-faith representations as of the date published. Actual timelines and out-of-pocket costs depend on factors outside our control, including but not limited to county recording offices, notary availability, and client responsiveness.
We collect only what we need to plan your estate or respond to your inquiry. We don't sell your data — ever. We share it with the people and tools required to deliver the service (like our document platform Estately and the attorneys at ASLG), and we keep it as long as the law requires.
Depending on how you interact with us, we collect:
We share information only with parties who help us deliver the service or who are required by law to receive it:
We do not sell personal information, and we do not share it with advertisers or data brokers.
We retain client records for as long as you remain an active client, and for at least seven (7) years after your last engagement, consistent with professional record-retention practices. Inquiries that do not result in engagement are purged within twenty-four (24) months.
We use industry-standard administrative, technical, and physical safeguards, including encrypted transmission (TLS) and encrypted storage. Access to client files is limited to personnel who need it to perform their duties. No system is perfectly secure; you share information at your own risk and we encourage you to use the secure portals we provide rather than unencrypted email for sensitive material.
You may, at any time:
Residents of California (under the CCPA/CPRA), Virginia, Colorado, Connecticut, Utah, and other jurisdictions with applicable privacy statutes have additional rights, including the right to know what personal information has been collected, the right to deletion, the right to correct inaccuracies, the right to opt out of "sales" and "sharing" of personal information (we do neither), and the right to non-discrimination for exercising these rights. To exercise any right, contact us using the details in Section 7.
This website is not directed to children under 13, and we do not knowingly collect personal information from children. If you believe we have inadvertently done so, contact us and we will delete it.
We may update this policy from time to time. Material changes will be noted by updating the "Last updated" date at the top of this page and, where appropriate, by direct notice to active clients.
By using this site, you agree to these terms. The site is informational; it is not an engagement. Engagement begins when both you and Octus sign a separate engagement letter, and any legal services are governed by ASLG's engagement letter.
By accessing or using octusfinancial.com (the "Site"), you agree to be bound by these Terms of Service ("Terms") and our Privacy Policy. If you do not agree, do not use the Site.
The Site is intended for residents of the United States who are at least 18 years of age. If you access the Site from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.
Using the Site, scheduling a fit call, or submitting a contact form does not, by itself, create a financial-advisory, attorney-client, or any other professional relationship between you and Octus or between you and ASLG. Such a relationship is formed only by execution of a separate written engagement letter with the respective firm.
Fees are quoted in U.S. dollars and are payable as described in your engagement letter. Our standard model is a single payment collected at the conclusion of meeting two, covering document preparation, processing, filing administration, and the client binder. Outside the flat fee:
All fees are non-refundable once the engagement has advanced beyond meeting two, except as expressly provided in your engagement letter or as required by applicable law.
All content on the Site — text, graphics, logos, the Octus name and mark, and the layout — is owned by Octus Estate, LLC or its licensors and is protected by U.S. and international copyright and trademark law. You may view and print pages for personal, non-commercial use. Any other reproduction, modification, distribution, or use is prohibited without prior written consent.
The Site links to third-party services we use to deliver our offering (including Calendly, Estately, Amazon, and others). We are not responsible for the content, terms, or practices of any third-party site. Your use of those services is governed by their own terms and privacy policies.
THE SITE AND ITS CONTENTS ARE PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, OCTUS DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS, OR THAT INFORMATION ON THE SITE IS COMPLETE OR CURRENT.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL OCTUS, ITS OWNERS, EMPLOYEES, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE, INCLUDING LOSS OF PROFITS OR DATA. OUR AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100). NOTHING IN THESE TERMS LIMITS LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW.
You agree to indemnify and hold harmless Octus and its affiliates from any claims, damages, and expenses (including reasonable attorneys' fees) arising out of your misuse of the Site or violation of these Terms.
These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws principles. Exclusive venue for any dispute arising out of or related to the Site lies in the state or federal courts located in Orange County, Florida, and you consent to that jurisdiction.
We may revise these Terms from time to time. The "Last updated" date at the top of this page reflects the most recent revision. Continued use of the Site after a revision constitutes acceptance of the revised Terms.
If we recommend a fireproof safe (or anything else) via an Amazon link, we may earn a small commission when you buy through that link. It doesn't change the price you pay, and it never changes what we recommend.
Octus Estate is a participant in the Amazon Services LLC Associates Program, an affiliate-advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com. When you click an Amazon link on this Site and complete a purchase, we may receive a small commission at no additional cost to you.
We recommend products only when we believe they serve our clients well. Affiliate compensation does not influence which products we recommend. We are not paid by any manufacturer of any product mentioned on the Site.
Octus delivers estate-planning services through the Estately platform and Estately + Counsel (operated by Advanced Services Law Group). Those are commercial relationships disclosed in Section 1; they are not affiliate arrangements.
Octus is committed to ensuring digital accessibility for people with disabilities. We are continually improving the user experience for everyone and applying the relevant accessibility standards, including the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA.
If you encounter content on this Site that is not accessible, or if you need information in an alternative format, please contact us using the information in Section 7 and we will make reasonable efforts to provide the information in an accessible format.
For privacy requests, accessibility requests, copyright notices, or any other matter related to this page:
We aim to acknowledge written requests within five (5) business days and to resolve them within thirty (30) days where reasonably possible.