Terms of Use.

These Terms of Use ("Terms") govern your access to and use of websites, content, and services provided by Dave Carter Group LLC, Dave Carter Integrated Services Ltd, and Kola Adisa (collectively, "we," "us," or "our").

By accessing our websites or engaging our services, you ("you" or "user") acknowledge that you have read, understood, and agree to be bound by these Terms, along with our Privacy Policy, Legal Disclosures, and Brokerage Disclosure. If you do not agree, you may not use our websites or services.

You must be at least 18 years old and legally capable of entering into binding agreements to use our services.

Our websites and services include — depending on the specific entity and engagement — the following:

• Advisory services provided by Dave Carter Group LLC (USA)
• Brokerage services provided by Kola Adisa individually under his New York REALTOR® license
• Operations services provided by Dave Carter Integrated Services Ltd (Nigeria)
• Editorial content via The Advisory Journal and related publications

Each engagement is governed by a separate written agreement with the appropriate entity. These Terms govern your general use of our websites and public content, and are supplemented by your engagement agreement where applicable.

For the full legal structure of our entities and services, please refer to our Brokerage Disclosure.

You agree to use our websites and services only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the websites in any way that violates applicable laws or regulations
• Attempt to gain unauthorized access to any portion of the websites, accounts, or systems
• Use any automated means (bots, scrapers, crawlers) to access or extract content without prior written consent
• Transmit viruses, malware, or other harmful code
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity
• Engage in any activity that interferes with or disrupts the websites or services
• Collect or harvest personal information of other users
• Use the websites for any commercial solicitation without written permission

All content on our websites — including articles published in The Advisory Journal, analysis, text, graphics, logos, images, photographs, and the design of the websites — is the property of Dave Carter Group LLC or its affiliates, or is used with permission, and is protected by applicable intellectual property laws.

Permitted use

• You may view and read content for your personal, non-commercial use
• You may share article links via social media, email, or direct messaging, with proper attribution
• You may quote brief excerpts with attribution to Dave Carter Group for legitimate commentary or reporting

Not permitted

• Reproducing, republishing, or redistributing content without written permission
• Using our content to train artificial intelligence or machine learning models
• Using our trademarks, logos, or branding without express authorization
• Creating derivative works based on our content
• Commercial use of any content, in whole or in part, without a license

"Dave Carter Group" and related logos are trademarks of Dave Carter Group LLC. "REALTOR®" is a registered trademark of the National Association of REALTORS®.

When you submit information through our contact forms, inquiry forms, or email, you represent that:

• The information you provide is truthful, accurate, and complete
• You have the right to provide such information
• Your submission does not violate any third-party rights

By submitting information, you grant us a limited, non-exclusive right to use it for the purposes of responding to your inquiry, providing services, and complying with our legal obligations. We do not claim ownership of your personal information; we handle it in accordance with our Privacy Policy.

No legal, tax, or investment advice

Content on our websites — including articles, market commentary, and general guidance — is for informational purposes only. It does not constitute legal, tax, accounting, or regulated investment advice. You should consult qualified professionals before making decisions based on any information found on our websites.

No guarantee of results

Real estate investments involve risk. Past performance does not guarantee future results. Nothing on our websites should be interpreted as a guarantee of any specific outcome, return, or result from any investment, strategy, or advisory engagement.

Third-party information

Our websites may include market data, references, or information obtained from third-party sources. While we endeavor to use reliable sources, we do not guarantee the accuracy, completeness, or timeliness of third-party information.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NEITHER DAVE CARTER GROUP LLC, DAVE CARTER INTEGRATED SERVICES LTD, KOLA ADISA, NOR ANY OF THEIR OFFICERS, EMPLOYEES, AGENTS, OR AFFILIATES SHALL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE OUR WEBSITES OR CONTENT, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES.

Our aggregate liability to you for any claim arising from your use of our websites (excluding any active client engagement, which is governed by its own engagement letter) shall not exceed one hundred US dollars (USD $100) or the amount you have paid us in the preceding twelve months, whichever is greater.

Some jurisdictions do not allow certain limitations of liability. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

You agree to indemnify, defend, and hold harmless Dave Carter Group LLC, Dave Carter Integrated Services Ltd, Kola Adisa, and their respective officers, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or related to:

• Your violation of these Terms
• Your violation of any applicable law or regulation
• Your infringement of any third-party rights
• Your misuse of our websites, content, or services

Our websites may contain links to third-party websites or resources — including TenantHomeFinders, Realty360 Hub, kolaadisa.com, and external references cited in our editorial content.

These links are provided for convenience and reference. We do not control third-party websites and are not responsible for their content, privacy practices, or terms of use. Your use of third-party websites is at your own risk and subject to their own terms and policies.

These Terms and any dispute arising out of or related to your use of our websites shall be governed by and construed in accordance with the laws of the State of Wyoming, United States of America, without regard to its conflict of laws principles.

For active client engagements, the governing law is specified in each engagement letter, which may designate New York, Wyoming, or Nigerian law depending on the contracting entity and scope of services.

Dispute resolution

Any dispute, controversy, or claim arising out of or relating to these Terms that cannot be resolved through good-faith negotiation shall be submitted to binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall be conducted in English, with the seat of arbitration in Sheridan, Wyoming, USA (or another mutually agreed location).

You waive any right to participate in a class action lawsuit or class-wide arbitration related to these Terms.

We reserve the right to terminate or restrict your access to our websites, content, or services at any time, without notice, for any reason, including but not limited to violation of these Terms.

Upon termination, your right to access or use the websites ceases immediately. All provisions of these Terms that by their nature should survive termination — including, but not limited to, disclaimers, limitations of liability, indemnification, and governing law — shall survive.

We may revise these Terms from time to time at our discretion. The "Effective Date" and "Last Reviewed" notations at the top of this page indicate when the Terms were most recently updated.

For material changes, we will provide reasonable notice — through our websites, email, or other appropriate means — before the changes take effect. Your continued use of our websites after such notice constitutes acceptance of the revised Terms.