Privacy Policy \u2014 Dave Carter Group US Advisory<\/title>\r\n <meta name=\"description\" content=\"How Dave Carter Group LLC collects, uses, stores, and protects personal information.\">\r\n \r\n <link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\r\n <link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\r\n <link href=\"https:\/\/fonts.googleapis.com\/css2?family=Cinzel:wght@500;600&family=Cormorant+Garamond:ital,wght@0,400;0,500;0,600;1,300;1,400;1,500&family=Inter:wght@300;400;500;600&display=swap\" rel=\"stylesheet\">\r\n \r\n <link rel=\"stylesheet\" href=\"..\/advisory.css\">\r\n <link rel=\"stylesheet\" href=\"legal.css\">\r\n<\/head>\r\n<body>\r\n\r\n \r\n <nav class=\"top-nav\">\r\n <div class=\"nav-inner\">\r\n <a href=\"http:\/\/davecartergroup.com\/us-advisory\" class=\"nav-logo\">\r\n <img decoding=\"async\" src=\"http:\/\/davecartergroup.com\/us-advisory\/wp-content\/uploads\/2026\/04\/dc-logo.png.jpeg\" alt=\"DC\" class=\"logo-mark\">\r\n <span class=\"logo-text\">Dave Carter Group<\/span>\r\n <\/a>\r\n\r\n <button class=\"nav-menu-btn\" aria-label=\"Toggle menu\" aria-expanded=\"false\">\r\n <span class=\"hamburger-line\"><\/span>\r\n <span class=\"hamburger-line\"><\/span>\r\n <span class=\"hamburger-line\"><\/span>\r\n <\/button>\r\n\r\n <div class=\"nav-links\">\r\n <a href=\"http:\/\/davecartergroup.com\/us-advisory\">US Advisory<\/a>\r\n <a href=\"https:\/\/davecartergroup.com\/nigeria-operations\/\">Nigeria<\/a>\r\n <a href=\"http:\/\/davecartergroup.com\/us-advisory\/about\">About<\/a>\r\n <a href=\"http:\/\/davecartergroup.com\/us-advisory\/services\">Services<\/a>\r\n <a href=\"http:\/\/davecartergroup.com\/us-advisory\/insights\">Insights<\/a>\r\n <a href=\"http:\/\/davecartergroup.com\/us-advisory\/contact\" class=\"nav-cta\">Book a Call<\/a>\r\n <\/div>\r\n <\/div>\r\n <\/nav>\r\n\r\n \r\n <section class=\"legal-hero\">\r\n <div class=\"legal-hero-inner\">\r\n \r\n <div class=\"hero-breadcrumb\">\r\n <a href=\"http:\/\/davecartergroup.com\/us-advisory\">US Advisory<\/a>\r\n <span class=\"crumb-sep\">\u00b7<\/span>\r\n <a href=\"#legal\">Legal<\/a>\r\n <span class=\"crumb-sep\">\u00b7<\/span>\r\n <span>Privacy Policy<\/span>\r\n <\/div>\r\n\r\n <div class=\"doc-header\">\r\n <p class=\"doc-type\">Legal Document<\/p>\r\n <h1>Privacy <span class=\"italic\">Policy.<\/span><\/h1>\r\n <p class=\"doc-intro\">\r\n How Dave Carter Group LLC and its affiliated entities \r\n collect, use, store, and protect the personal information \r\n of clients, prospects, and website visitors.\r\n <\/p>\r\n \r\n <div class=\"doc-meta-strip\">\r\n <div class=\"dms-item\">\r\n <span class=\"dms-label\">Effective<\/span>\r\n <span class=\"dms-value\">January 1, 2025<\/span>\r\n <\/div>\r\n <span class=\"dms-sep\">\u00b7<\/span>\r\n <div class=\"dms-item\">\r\n <span class=\"dms-label\">Last Reviewed<\/span>\r\n <span class=\"dms-value\">January 2025<\/span>\r\n <\/div>\r\n <span class=\"dms-sep\">\u00b7<\/span>\r\n <div class=\"dms-item\">\r\n <span class=\"dms-label\">Version<\/span>\r\n <span class=\"dms-value\">1.0<\/span>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n <div class=\"legal-tabs\">\r\n <a href=\"privacy.html\" class=\"tab active\">Privacy Policy<\/a>\r\n <a href=\"terms.html\" class=\"tab\">Terms of Use<\/a>\r\n <a href=\"disclosures.html\" class=\"tab\">Legal Disclosures<\/a>\r\n <a href=\"..\/brokerage.html\" class=\"tab\">Brokerage Disclosure<\/a>\r\n <\/div>\r\n <\/div>\r\n <\/section>\r\n\r\n \r\n <section class=\"legal-body\">\r\n <div class=\"body-inner\">\r\n \r\n \r\n <aside class=\"toc-sidebar\">\r\n <div class=\"toc-card\">\r\n <p class=\"toc-label\">Contents<\/p>\r\n <nav class=\"toc-nav\">\r\n <a href=\"#introduction\" class=\"toc-link\">01 \u00b7 Introduction<\/a>\r\n <a href=\"#information\" class=\"toc-link\">02 \u00b7 Information We Collect<\/a>\r\n <a href=\"#usage\" class=\"toc-link\">03 \u00b7 How We Use Information<\/a>\r\n <a href=\"#sharing\" class=\"toc-link\">04 \u00b7 Sharing & Disclosure<\/a>\r\n <a href=\"#security\" class=\"toc-link\">05 \u00b7 Data Security<\/a>\r\n <a href=\"#retention\" class=\"toc-link\">06 \u00b7 Data Retention<\/a>\r\n <a href=\"#rights\" class=\"toc-link\">07 \u00b7 Your Rights<\/a>\r\n <a href=\"#cookies\" class=\"toc-link\">08 \u00b7 Cookies & Tracking<\/a>\r\n <a href=\"#international\" class=\"toc-link\">09 \u00b7 International Transfers<\/a>\r\n <a href=\"#children\" class=\"toc-link\">10 \u00b7 Children's Privacy<\/a>\r\n <a href=\"#changes\" class=\"toc-link\">11 \u00b7 Policy Changes<\/a>\r\n <a href=\"#contact\" class=\"toc-link\">12 \u00b7 Contact<\/a>\r\n <\/nav>\r\n <\/div>\r\n <\/aside>\r\n\r\n \r\n <article class=\"doc-content\">\r\n \r\n <section id=\"introduction\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">01.<\/span>\r\n <h2>Introduction<\/h2>\r\n <\/div>\r\n <p>\r\n This Privacy Policy describes the practices of \r\n <strong>Dave Carter Group LLC<\/strong> (a Wyoming \r\n limited liability company), <strong>Dave Carter \r\n Integrated Services Ltd<\/strong> (a Nigerian limited \r\n liability company), and <strong>Kola Adisa<\/strong> \r\n in his capacity as an individually-licensed New York \r\n REALTOR\u00ae (collectively, \"we,\" \"us,\" or \"our\") \r\n regarding the personal information of individuals \r\n (\"you\") who interact with our websites, services, \r\n or business operations.\r\n <\/p>\r\n <p>\r\n We are committed to protecting your privacy and to \r\n handling personal information with care, discretion, \r\n and respect for your rights under applicable law. \r\n This policy applies to all information we collect \r\n through our websites, email communications, client \r\n engagements, and related interactions.\r\n <\/p>\r\n <p>\r\n By using our websites or engaging our services, you \r\n acknowledge that you have read and understood this \r\n Privacy Policy. If you do not agree with our \r\n practices as described here, please do not use our \r\n websites or services.\r\n <\/p>\r\n <\/section>\r\n\r\n <section id=\"information\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">02.<\/span>\r\n <h2>Information We Collect<\/h2>\r\n <\/div>\r\n <p>\r\n We collect personal information in several ways, \r\n depending on your interaction with us:\r\n <\/p>\r\n \r\n <h3>Information you provide directly<\/h3>\r\n <ul class=\"doc-list\">\r\n <li>Name, email address, phone number, and mailing address when you submit an inquiry form or subscribe to our journal<\/li>\r\n <li>Professional information (company, role, location) relevant to your inquiry<\/li>\r\n <li>Financial information and investment details (only when provided in the context of an active engagement)<\/li>\r\n <li>Identity verification documents required for regulatory compliance (KYC, AML)<\/li>\r\n <li>Any other information you voluntarily share in communications with us<\/li>\r\n <\/ul>\r\n\r\n <h3>Information collected automatically<\/h3>\r\n <ul class=\"doc-list\">\r\n <li>IP address, browser type, device identifiers, and operating system<\/li>\r\n <li>Pages visited, time spent, referral sources, and basic analytics data<\/li>\r\n <li>Cookies and similar tracking technologies (see Section 08)<\/li>\r\n <\/ul>\r\n\r\n <h3>Information from third parties<\/h3>\r\n <ul class=\"doc-list\">\r\n <li>Referral information when a client or contact introduces you to us<\/li>\r\n <li>Publicly available professional information (e.g., LinkedIn) relevant to pre-engagement research<\/li>\r\n <li>Third-party services we use for payments, identity verification, or compliance checks<\/li>\r\n <\/ul>\r\n <\/section>\r\n\r\n <section id=\"usage\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">03.<\/span>\r\n <h2>How We Use Information<\/h2>\r\n <\/div>\r\n <p>\r\n We use personal information for the following purposes:\r\n <\/p>\r\n <ul class=\"doc-list\">\r\n <li>Responding to your inquiries and communications<\/li>\r\n <li>Providing advisory, consulting, and (where applicable) brokerage services<\/li>\r\n <li>Performing regulatory and compliance checks (KYC, AML, sanctions screening)<\/li>\r\n <li>Sending subscription-based content (The Advisory Journal) when requested<\/li>\r\n <li>Managing client engagements, invoicing, and payment processing<\/li>\r\n <li>Improving our websites, services, and client experience<\/li>\r\n <li>Protecting our rights, property, and legitimate business interests<\/li>\r\n <li>Complying with applicable legal, tax, and regulatory obligations<\/li>\r\n <\/ul>\r\n <p>\r\n We do <em>not<\/em> use your personal information for \r\n third-party advertising, behavioral profiling for \r\n marketing purposes, or sale to data brokers.\r\n <\/p>\r\n <\/section>\r\n\r\n <section id=\"sharing\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">04.<\/span>\r\n <h2>Sharing & Disclosure<\/h2>\r\n <\/div>\r\n <p>\r\n We share personal information only in limited, \r\n specific circumstances:\r\n <\/p>\r\n <ul class=\"doc-list\">\r\n <li><strong>With service providers:<\/strong> Third-party vendors who support our operations (email platforms, payment processors, cloud storage, analytics) \u2014 bound by confidentiality obligations.<\/li>\r\n <li><strong>With professional advisors:<\/strong> Attorneys, accountants, and auditors who require access to fulfill their professional duties to us or to a client engagement.<\/li>\r\n <li><strong>For compliance:<\/strong> When required by law, regulation, subpoena, court order, or legitimate government request.<\/li>\r\n <li><strong>During business transitions:<\/strong> In the event of a merger, sale, or restructuring of Dave Carter Group LLC or its affiliates, with continued privacy protections.<\/li>\r\n <li><strong>With your consent:<\/strong> Any other disclosure that is expressly authorized by you in writing.<\/li>\r\n <\/ul>\r\n <p>\r\n We do <strong>not<\/strong> sell, rent, or trade your \r\n personal information to third parties for their \r\n marketing purposes. Client identities and the \r\n substance of engagements are treated as strictly \r\n confidential.\r\n <\/p>\r\n <\/section>\r\n\r\n <section id=\"security\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">05.<\/span>\r\n <h2>Data Security<\/h2>\r\n <\/div>\r\n <p>\r\n We implement reasonable administrative, technical, \r\n and physical safeguards designed to protect personal \r\n information against unauthorized access, disclosure, \r\n alteration, or destruction. These measures include:\r\n <\/p>\r\n <ul class=\"doc-list\">\r\n <li>Encrypted transmission of sensitive data (TLS\/SSL)<\/li>\r\n <li>Access controls limiting who within our organization can view client information<\/li>\r\n <li>Secure hosting and cloud storage with established providers<\/li>\r\n <li>Written confidentiality obligations for all team members and service providers<\/li>\r\n <li>Regular review of security practices and prompt remediation of identified risks<\/li>\r\n <\/ul>\r\n <p>\r\n Despite these measures, no method of transmission \r\n over the internet or method of electronic storage \r\n is 100% secure. While we strive to use \r\n commercially reasonable means to protect your \r\n information, we cannot guarantee absolute security.\r\n <\/p>\r\n <\/section>\r\n\r\n <section id=\"retention\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">06.<\/span>\r\n <h2>Data Retention<\/h2>\r\n <\/div>\r\n <p>\r\n We retain personal information for as long as \r\n necessary to fulfill the purposes for which it was \r\n collected, including:\r\n <\/p>\r\n <ul class=\"doc-list\">\r\n <li>The duration of any active client engagement<\/li>\r\n <li>The period required to comply with applicable legal, tax, and regulatory obligations (typically 7 years for financial records)<\/li>\r\n <li>The period required to establish, exercise, or defend legal claims<\/li>\r\n <li>As required by professional standards governing brokerage and advisory relationships<\/li>\r\n <\/ul>\r\n <p>\r\n When personal information is no longer needed, we \r\n take reasonable steps to securely delete or \r\n anonymize it.\r\n <\/p>\r\n <\/section>\r\n\r\n <section id=\"rights\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">07.<\/span>\r\n <h2>Your Rights<\/h2>\r\n <\/div>\r\n <p>\r\n Depending on your jurisdiction, you may have certain \r\n rights regarding your personal information, \r\n including:\r\n <\/p>\r\n <ul class=\"doc-list\">\r\n <li><strong>Access:<\/strong> Request a copy of the personal information we hold about you.<\/li>\r\n <li><strong>Correction:<\/strong> Request correction of inaccurate or incomplete information.<\/li>\r\n <li><strong>Deletion:<\/strong> Request deletion of your personal information, subject to legal retention obligations.<\/li>\r\n <li><strong>Objection:<\/strong> Object to certain processing of your information.<\/li>\r\n <li><strong>Portability:<\/strong> Request transfer of your information to another service provider.<\/li>\r\n <li><strong>Withdraw consent:<\/strong> Withdraw consent for processing that relies on your consent.<\/li>\r\n <li><strong>Lodge a complaint:<\/strong> File a complaint with a relevant data protection authority.<\/li>\r\n <\/ul>\r\n <p>\r\n To exercise any of these rights, please contact us \r\n at <a href=\"mailto:info@davecartergroup.com\">info@davecartergroup.com<\/a>. \r\n We will respond within a reasonable time and in \r\n accordance with applicable law.\r\n <\/p>\r\n <\/section>\r\n\r\n <section id=\"cookies\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">08.<\/span>\r\n <h2>Cookies & Tracking<\/h2>\r\n <\/div>\r\n <p>\r\n Our websites use minimal cookies and similar \r\n technologies to ensure functionality and \r\n understand basic usage patterns. We do not use \r\n cookies for invasive tracking or third-party \r\n advertising purposes.\r\n <\/p>\r\n <h3>Types of cookies we may use<\/h3>\r\n <ul class=\"doc-list\">\r\n <li><strong>Essential cookies:<\/strong> Required for website functionality and security.<\/li>\r\n <li><strong>Analytics cookies:<\/strong> Help us understand aggregate usage (e.g., Google Analytics) \u2014 anonymized where possible.<\/li>\r\n <li><strong>Preference cookies:<\/strong> Remember your preferences (e.g., language, display options).<\/li>\r\n <\/ul>\r\n <p>\r\n You can control cookies through your browser \r\n settings. Disabling cookies may affect website \r\n functionality.\r\n <\/p>\r\n <\/section>\r\n\r\n <section id=\"international\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">09.<\/span>\r\n <h2>International Transfers<\/h2>\r\n <\/div>\r\n <p>\r\n We operate across multiple jurisdictions, including \r\n the United States and Nigeria. Personal information \r\n may be transferred to, stored, and processed in \r\n countries other than the country in which you \r\n reside. These countries may have data protection \r\n laws that differ from those of your home country.\r\n <\/p>\r\n <p>\r\n When we transfer personal information internationally, \r\n we take steps to ensure appropriate safeguards are \r\n in place, including contractual protections and \r\n reliance on recognized transfer mechanisms under \r\n applicable law.\r\n <\/p>\r\n <\/section>\r\n\r\n <section id=\"children\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">10.<\/span>\r\n <h2>Children's Privacy<\/h2>\r\n <\/div>\r\n <p>\r\n Our services are intended for adults engaged in real \r\n estate investment, advisory, or professional \r\n business. We do not knowingly collect personal \r\n information from individuals under the age of 18.\r\n <\/p>\r\n <p>\r\n If we become aware that we have inadvertently \r\n collected personal information from a minor, we \r\n will take reasonable steps to delete such \r\n information from our records.\r\n <\/p>\r\n <\/section>\r\n\r\n <section id=\"changes\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">11.<\/span>\r\n <h2>Policy Changes<\/h2>\r\n <\/div>\r\n <p>\r\n We may update this Privacy Policy from time to time \r\n to reflect changes in our practices, legal \r\n requirements, or business operations. The \"Effective \r\n Date\" and \"Last Reviewed\" notations at the top of \r\n this page indicate when the policy was most \r\n recently updated.\r\n <\/p>\r\n <p>\r\n For material changes, we will provide reasonable \r\n notice \u2014 through our websites, email, or other \r\n appropriate means \u2014 before the changes take effect. \r\n Your continued use of our services after such \r\n notice constitutes acceptance of the updated policy.\r\n <\/p>\r\n <\/section>\r\n\r\n <section id=\"contact\" class=\"doc-section contact-sec\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">12.<\/span>\r\n <h2>Contact<\/h2>\r\n <\/div>\r\n <p>\r\n If you have questions, concerns, or requests \r\n regarding this Privacy Policy or our privacy \r\n practices, please contact us:\r\n <\/p>\r\n \r\n <div class=\"contact-block\">\r\n <div class=\"cb-row\">\r\n <span class=\"cb-label\">Email<\/span>\r\n <a href=\"mailto:info@davecartergroup.com\" class=\"cb-value\">info@davecartergroup.com<\/a>\r\n <\/div>\r\n <div class=\"cb-row\">\r\n <span class=\"cb-label\">US Office<\/span>\r\n <span class=\"cb-value\">32 N Gould Street, Suite R<br>Sheridan, WY 82801, USA<\/span>\r\n <\/div>\r\n <div class=\"cb-row\">\r\n <span class=\"cb-label\">Nigeria Office<\/span>\r\n <span class=\"cb-value\">18 Esomo Close, Off Toyin Street<br>Ikeja, Lagos, Nigeria<\/span>\r\n <\/div>\r\n <div class=\"cb-row\">\r\n <span class=\"cb-label\">US Phone<\/span>\r\n <a href=\"tel:+13073571911\" class=\"cb-value\">+1 (307) 357-1911<\/a>\r\n <\/div>\r\n <div class=\"cb-row\">\r\n <span class=\"cb-label\">Nigeria Phone<\/span>\r\n <a href=\"tel:+2348172052666\" class=\"cb-value\">+234 817 205 2666<\/a>\r\n <\/div>\r\n <\/div>\r\n <\/section>\r\n\r\n \r\n <div class=\"doc-footer\">\r\n <p class=\"df-note\">\r\n This Privacy Policy is provided in the spirit of \r\n transparency and in compliance with applicable \r\n privacy and data protection laws.\r\n <\/p>\r\n <p class=\"df-version\">\r\n Dave Carter Group LLC \u00b7 Privacy Policy \u00b7 Version 1.0 \u00b7 January 2025\r\n <\/p>\r\n <\/div>\r\n\r\n <\/article>\r\n <\/div>\r\n <\/section>\r\n\r\n \r\n <footer class=\"adv-foot\">\r\n <div class=\"foot-inner\">\r\n \r\n <div class=\"foot-top\">\r\n <div class=\"foot-brand\">\r\n <img decoding=\"async\" src=\"http:\/\/davecartergroup.com\/us-advisory\/wp-content\/uploads\/2026\/04\/dc-logo.png.jpeg\" alt=\"DC\" class=\"foot-logo\">\r\n <p class=\"foot-tagline\">\r\n Real estate advisory for the cross-border investor.\r\n <\/p>\r\n <\/div>\r\n \r\n <div class=\"foot-nav-grid\">\r\n \r\n <div class=\"foot-nav-col\">\r\n <p class=\"foot-label\">Advisory<\/p>\r\n <a href=\"http:\/\/davecartergroup.com\/us-advisory\">US Operations<\/a>\r\n <a href=\"http:\/\/davecartergroup.com\/us-advisory\/about\">About<\/a>\r\n <a href=\"http:\/\/davecartergroup.com\/us-advisory\/services\">Services<\/a>\r\n <a href=\"http:\/\/davecartergroup.com\/us-advisory\/insights\">Insights<\/a>\r\n <a href=\"http:\/\/davecartergroup.com\/us-advisory\/contact\">Contact<\/a>\r\n <\/div>\r\n \r\n <div class=\"foot-nav-col\">\r\n <p class=\"foot-label\">Nigeria<\/p>\r\n <a href=\"https:\/\/davecartergroup.com\/nigeria-operations\/\">Lagos Operations<\/a>\r\n <a href=\"https:\/\/davecartergroup.com\/nigeria-operations\/\">Services<\/a>\r\n <a href=\"https:\/\/tenanthomefinders.com\/\">TenantHomeFinders<\/a>\r\n <a href=\"https:\/\/estate360nigeria.com\/\">Realty360 Hub<\/a>\r\n <\/div>\r\n \r\n <div class=\"foot-nav-col\">\r\n <p class=\"foot-label\">The Founder<\/p>\r\n <a href=\"https:\/\/kolaadisa.com\" target=\"_blank\" rel=\"noopener\">kolaadisa.com \u2192<\/a>\r\n <\/div>\r\n \r\n <div class=\"foot-nav-col\">\r\n <p class=\"foot-label\">Reach Us<\/p>\r\n <a href=\"tel:+13073571911\">+1 (307) 357-1911<\/a>\r\n <a href=\"tel:+2348172052666\">+234 817 205 2666<\/a>\r\n <a href=\"mailto:info@davecartergroup.com\">info@davecartergroup.com<\/a>\r\n <\/div>\r\n \r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"foot-bottom\">\r\n <p class=\"foot-copy\">\u00a9 2025 Dave Carter Group LLC \u00b7 All rights reserved<\/p>\r\n <div class=\"foot-legal-links\">\r\n <a href=\"privacy.html\" class=\"active\">Privacy Policy<\/a>\r\n <span class=\"sep\">\u00b7<\/span>\r\n <a href=\"terms.html\">Terms of Use<\/a>\r\n <span class=\"sep\">\u00b7<\/span>\r\n <a href=\"disclosures.html\">Legal Disclosures<\/a>\r\n <span class=\"sep\">\u00b7<\/span>\r\n <a href=\"..\/brokerage.html\">Brokerage Disclosure<\/a>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"foot-disclaimer\">\r\n <p>\r\n <strong>Legal Notice:<\/strong> Dave Carter Group LLC (USA) provides \r\n real estate advisory, consulting, and investor services only. \r\n Brokerage services in the State of New York \u2014 including the sale, \r\n purchase, and leasing of real property \u2014 are performed by \r\n <em>Kola Adisa<\/em> personally under his separate New York REALTOR\u00ae \r\n license, not by Dave Carter Group LLC. Dave Carter Integrated Services \r\n Ltd operates independently in Nigeria. All services are delivered in \r\n strict accordance with applicable federal, state, and international law.\r\n <\/p>\r\n <\/div>\r\n \r\n <\/div>\r\n <\/footer>\r\n\r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", function () {\r\n const menuBtn = document.querySelector(\".nav-menu-btn\");\r\n const navLinks = document.querySelector(\".nav-links\");\r\n const body = document.body;\r\n\r\n menuBtn.addEventListener(\"click\", function () {\r\n const isActive = navLinks.classList.contains(\"active\");\r\n navLinks.classList.toggle(\"active\");\r\n menuBtn.classList.toggle(\"active\");\r\n body.classList.toggle(\"menu-open\");\r\n menuBtn.setAttribute(\"aria-expanded\", !isActive);\r\n });\r\n\r\n document.querySelectorAll(\".nav-links a\").forEach(link => {\r\n link.addEventListener(\"click\", () => {\r\n navLinks.classList.remove(\"active\");\r\n menuBtn.classList.remove(\"active\");\r\n body.classList.remove(\"menu-open\");\r\n menuBtn.setAttribute(\"aria-expanded\", 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\n\t\t\t\t\t\r\n\r\n\r\n \r\n \r\n Privacy Policy \u2014 Dave Carter Group US Advisory<\/title>\r\n <meta name=\"description\" content=\"How Dave Carter Group LLC collects, uses, stores, and protects personal information.\">\r\n \r\n <link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\r\n <link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\r\n <link href=\"https:\/\/fonts.googleapis.com\/css2?family=Cinzel:wght@500;600&family=Cormorant+Garamond:ital,wght@0,400;0,500;0,600;1,300;1,400;1,500&family=Inter:wght@300;400;500;600&display=swap\" rel=\"stylesheet\">\r\n \r\n <link rel=\"stylesheet\" href=\"..\/advisory.css\">\r\n <link rel=\"stylesheet\" href=\"legal.css\">\r\n<\/head>\r\n<body>\r\n\r\n \r\n <nav class=\"top-nav\">\r\n <div class=\"nav-inner\">\r\n <a href=\"http:\/\/davecartergroup.com\/us-advisory\" class=\"nav-logo\">\r\n <img decoding=\"async\" src=\"http:\/\/davecartergroup.com\/us-advisory\/wp-content\/uploads\/2026\/04\/dc-logo.png.jpeg\" alt=\"DC\" class=\"logo-mark\">\r\n <span class=\"logo-text\">Dave Carter Group<\/span>\r\n <\/a>\r\n\r\n <button class=\"nav-menu-btn\" aria-label=\"Toggle menu\" aria-expanded=\"false\">\r\n <span class=\"hamburger-line\"><\/span>\r\n <span class=\"hamburger-line\"><\/span>\r\n <span class=\"hamburger-line\"><\/span>\r\n <\/button>\r\n\r\n <div class=\"nav-links\">\r\n <a href=\"http:\/\/davecartergroup.com\/us-advisory\">US Advisory<\/a>\r\n <a href=\"https:\/\/davecartergroup.com\/nigeria-operations\/\">Nigeria<\/a>\r\n <a href=\"http:\/\/davecartergroup.com\/us-advisory\/about\">About<\/a>\r\n <a href=\"http:\/\/davecartergroup.com\/us-advisory\/services\">Services<\/a>\r\n <a href=\"http:\/\/davecartergroup.com\/us-advisory\/insights\">Insights<\/a>\r\n <a href=\"http:\/\/davecartergroup.com\/us-advisory\/contact\" class=\"nav-cta\">Book a Call<\/a>\r\n <\/div>\r\n <\/div>\r\n <\/nav>\r\n\r\n \r\n <section class=\"legal-hero\">\r\n <div class=\"legal-hero-inner\">\r\n \r\n <div class=\"hero-breadcrumb\">\r\n <a href=\"http:\/\/davecartergroup.com\/us-advisory\">US Advisory<\/a>\r\n <span class=\"crumb-sep\">\u00b7<\/span>\r\n <a href=\"#legal\">Legal<\/a>\r\n <span class=\"crumb-sep\">\u00b7<\/span>\r\n <span>Privacy Policy<\/span>\r\n <\/div>\r\n\r\n <div class=\"doc-header\">\r\n <p class=\"doc-type\">Legal Document<\/p>\r\n <h1>Privacy <span class=\"italic\">Policy.<\/span><\/h1>\r\n <p class=\"doc-intro\">\r\n How Dave Carter Group LLC and its affiliated entities \r\n collect, use, store, and protect the personal information \r\n of clients, prospects, and website visitors.\r\n <\/p>\r\n \r\n <div class=\"doc-meta-strip\">\r\n <div class=\"dms-item\">\r\n <span class=\"dms-label\">Effective<\/span>\r\n <span class=\"dms-value\">January 1, 2025<\/span>\r\n <\/div>\r\n <span class=\"dms-sep\">\u00b7<\/span>\r\n <div class=\"dms-item\">\r\n <span class=\"dms-label\">Last Reviewed<\/span>\r\n <span class=\"dms-value\">January 2025<\/span>\r\n <\/div>\r\n <span class=\"dms-sep\">\u00b7<\/span>\r\n <div class=\"dms-item\">\r\n <span class=\"dms-label\">Version<\/span>\r\n <span class=\"dms-value\">1.0<\/span>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n <div class=\"legal-tabs\">\r\n <a href=\"privacy.html\" class=\"tab active\">Privacy Policy<\/a>\r\n <a href=\"terms.html\" class=\"tab\">Terms of Use<\/a>\r\n <a href=\"disclosures.html\" class=\"tab\">Legal Disclosures<\/a>\r\n <a href=\"..\/brokerage.html\" class=\"tab\">Brokerage Disclosure<\/a>\r\n <\/div>\r\n <\/div>\r\n <\/section>\r\n\r\n \r\n <section class=\"legal-body\">\r\n <div class=\"body-inner\">\r\n \r\n \r\n <aside class=\"toc-sidebar\">\r\n <div class=\"toc-card\">\r\n <p class=\"toc-label\">Contents<\/p>\r\n <nav class=\"toc-nav\">\r\n <a href=\"#introduction\" class=\"toc-link\">01 \u00b7 Introduction<\/a>\r\n <a href=\"#information\" class=\"toc-link\">02 \u00b7 Information We Collect<\/a>\r\n <a href=\"#usage\" class=\"toc-link\">03 \u00b7 How We Use Information<\/a>\r\n <a href=\"#sharing\" class=\"toc-link\">04 \u00b7 Sharing & Disclosure<\/a>\r\n <a href=\"#security\" class=\"toc-link\">05 \u00b7 Data Security<\/a>\r\n <a href=\"#retention\" class=\"toc-link\">06 \u00b7 Data Retention<\/a>\r\n <a href=\"#rights\" class=\"toc-link\">07 \u00b7 Your Rights<\/a>\r\n <a href=\"#cookies\" class=\"toc-link\">08 \u00b7 Cookies & Tracking<\/a>\r\n <a href=\"#international\" class=\"toc-link\">09 \u00b7 International Transfers<\/a>\r\n <a href=\"#children\" class=\"toc-link\">10 \u00b7 Children's Privacy<\/a>\r\n <a href=\"#changes\" class=\"toc-link\">11 \u00b7 Policy Changes<\/a>\r\n <a href=\"#contact\" class=\"toc-link\">12 \u00b7 Contact<\/a>\r\n <\/nav>\r\n <\/div>\r\n <\/aside>\r\n\r\n \r\n <article class=\"doc-content\">\r\n \r\n <section id=\"introduction\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">01.<\/span>\r\n <h2>Introduction<\/h2>\r\n <\/div>\r\n <p>\r\n This Privacy Policy describes the practices of \r\n <strong>Dave Carter Group LLC<\/strong> (a Wyoming \r\n limited liability company), <strong>Dave Carter \r\n Integrated Services Ltd<\/strong> (a Nigerian limited \r\n liability company), and <strong>Kola Adisa<\/strong> \r\n in his capacity as an individually-licensed New York \r\n REALTOR\u00ae (collectively, \"we,\" \"us,\" or \"our\") \r\n regarding the personal information of individuals \r\n (\"you\") who interact with our websites, services, \r\n or business operations.\r\n <\/p>\r\n <p>\r\n We are committed to protecting your privacy and to \r\n handling personal information with care, discretion, \r\n and respect for your rights under applicable law. \r\n This policy applies to all information we collect \r\n through our websites, email communications, client \r\n engagements, and related interactions.\r\n <\/p>\r\n <p>\r\n By using our websites or engaging our services, you \r\n acknowledge that you have read and understood this \r\n Privacy Policy. If you do not agree with our \r\n practices as described here, please do not use our \r\n websites or services.\r\n <\/p>\r\n <\/section>\r\n\r\n <section id=\"information\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">02.<\/span>\r\n <h2>Information We Collect<\/h2>\r\n <\/div>\r\n <p>\r\n We collect personal information in several ways, \r\n depending on your interaction with us:\r\n <\/p>\r\n \r\n <h3>Information you provide directly<\/h3>\r\n <ul class=\"doc-list\">\r\n <li>Name, email address, phone number, and mailing address when you submit an inquiry form or subscribe to our journal<\/li>\r\n <li>Professional information (company, role, location) relevant to your inquiry<\/li>\r\n <li>Financial information and investment details (only when provided in the context of an active engagement)<\/li>\r\n <li>Identity verification documents required for regulatory compliance (KYC, AML)<\/li>\r\n <li>Any other information you voluntarily share in communications with us<\/li>\r\n <\/ul>\r\n\r\n <h3>Information collected automatically<\/h3>\r\n <ul class=\"doc-list\">\r\n <li>IP address, browser type, device identifiers, and operating system<\/li>\r\n <li>Pages visited, time spent, referral sources, and basic analytics data<\/li>\r\n <li>Cookies and similar tracking technologies (see Section 08)<\/li>\r\n <\/ul>\r\n\r\n <h3>Information from third parties<\/h3>\r\n <ul class=\"doc-list\">\r\n <li>Referral information when a client or contact introduces you to us<\/li>\r\n <li>Publicly available professional information (e.g., LinkedIn) relevant to pre-engagement research<\/li>\r\n <li>Third-party services we use for payments, identity verification, or compliance checks<\/li>\r\n <\/ul>\r\n <\/section>\r\n\r\n <section id=\"usage\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">03.<\/span>\r\n <h2>How We Use Information<\/h2>\r\n <\/div>\r\n <p>\r\n We use personal information for the following purposes:\r\n <\/p>\r\n <ul class=\"doc-list\">\r\n <li>Responding to your inquiries and communications<\/li>\r\n <li>Providing advisory, consulting, and (where applicable) brokerage services<\/li>\r\n <li>Performing regulatory and compliance checks (KYC, AML, sanctions screening)<\/li>\r\n <li>Sending subscription-based content (The Advisory Journal) when requested<\/li>\r\n <li>Managing client engagements, invoicing, and payment processing<\/li>\r\n <li>Improving our websites, services, and client experience<\/li>\r\n <li>Protecting our rights, property, and legitimate business interests<\/li>\r\n <li>Complying with applicable legal, tax, and regulatory obligations<\/li>\r\n <\/ul>\r\n <p>\r\n We do <em>not<\/em> use your personal information for \r\n third-party advertising, behavioral profiling for \r\n marketing purposes, or sale to data brokers.\r\n <\/p>\r\n <\/section>\r\n\r\n <section id=\"sharing\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">04.<\/span>\r\n <h2>Sharing & Disclosure<\/h2>\r\n <\/div>\r\n <p>\r\n We share personal information only in limited, \r\n specific circumstances:\r\n <\/p>\r\n <ul class=\"doc-list\">\r\n <li><strong>With service providers:<\/strong> Third-party vendors who support our operations (email platforms, payment processors, cloud storage, analytics) \u2014 bound by confidentiality obligations.<\/li>\r\n <li><strong>With professional advisors:<\/strong> Attorneys, accountants, and auditors who require access to fulfill their professional duties to us or to a client engagement.<\/li>\r\n <li><strong>For compliance:<\/strong> When required by law, regulation, subpoena, court order, or legitimate government request.<\/li>\r\n <li><strong>During business transitions:<\/strong> In the event of a merger, sale, or restructuring of Dave Carter Group LLC or its affiliates, with continued privacy protections.<\/li>\r\n <li><strong>With your consent:<\/strong> Any other disclosure that is expressly authorized by you in writing.<\/li>\r\n <\/ul>\r\n <p>\r\n We do <strong>not<\/strong> sell, rent, or trade your \r\n personal information to third parties for their \r\n marketing purposes. Client identities and the \r\n substance of engagements are treated as strictly \r\n confidential.\r\n <\/p>\r\n <\/section>\r\n\r\n <section id=\"security\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">05.<\/span>\r\n <h2>Data Security<\/h2>\r\n <\/div>\r\n <p>\r\n We implement reasonable administrative, technical, \r\n and physical safeguards designed to protect personal \r\n information against unauthorized access, disclosure, \r\n alteration, or destruction. These measures include:\r\n <\/p>\r\n <ul class=\"doc-list\">\r\n <li>Encrypted transmission of sensitive data (TLS\/SSL)<\/li>\r\n <li>Access controls limiting who within our organization can view client information<\/li>\r\n <li>Secure hosting and cloud storage with established providers<\/li>\r\n <li>Written confidentiality obligations for all team members and service providers<\/li>\r\n <li>Regular review of security practices and prompt remediation of identified risks<\/li>\r\n <\/ul>\r\n <p>\r\n Despite these measures, no method of transmission \r\n over the internet or method of electronic storage \r\n is 100% secure. While we strive to use \r\n commercially reasonable means to protect your \r\n information, we cannot guarantee absolute security.\r\n <\/p>\r\n <\/section>\r\n\r\n <section id=\"retention\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">06.<\/span>\r\n <h2>Data Retention<\/h2>\r\n <\/div>\r\n <p>\r\n We retain personal information for as long as \r\n necessary to fulfill the purposes for which it was \r\n collected, including:\r\n <\/p>\r\n <ul class=\"doc-list\">\r\n <li>The duration of any active client engagement<\/li>\r\n <li>The period required to comply with applicable legal, tax, and regulatory obligations (typically 7 years for financial records)<\/li>\r\n <li>The period required to establish, exercise, or defend legal claims<\/li>\r\n <li>As required by professional standards governing brokerage and advisory relationships<\/li>\r\n <\/ul>\r\n <p>\r\n When personal information is no longer needed, we \r\n take reasonable steps to securely delete or \r\n anonymize it.\r\n <\/p>\r\n <\/section>\r\n\r\n <section id=\"rights\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">07.<\/span>\r\n <h2>Your Rights<\/h2>\r\n <\/div>\r\n <p>\r\n Depending on your jurisdiction, you may have certain \r\n rights regarding your personal information, \r\n including:\r\n <\/p>\r\n <ul class=\"doc-list\">\r\n <li><strong>Access:<\/strong> Request a copy of the personal information we hold about you.<\/li>\r\n <li><strong>Correction:<\/strong> Request correction of inaccurate or incomplete information.<\/li>\r\n <li><strong>Deletion:<\/strong> Request deletion of your personal information, subject to legal retention obligations.<\/li>\r\n <li><strong>Objection:<\/strong> Object to certain processing of your information.<\/li>\r\n <li><strong>Portability:<\/strong> Request transfer of your information to another service provider.<\/li>\r\n <li><strong>Withdraw consent:<\/strong> Withdraw consent for processing that relies on your consent.<\/li>\r\n <li><strong>Lodge a complaint:<\/strong> File a complaint with a relevant data protection authority.<\/li>\r\n <\/ul>\r\n <p>\r\n To exercise any of these rights, please contact us \r\n at <a href=\"mailto:info@davecartergroup.com\">info@davecartergroup.com<\/a>. \r\n We will respond within a reasonable time and in \r\n accordance with applicable law.\r\n <\/p>\r\n <\/section>\r\n\r\n <section id=\"cookies\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">08.<\/span>\r\n <h2>Cookies & Tracking<\/h2>\r\n <\/div>\r\n <p>\r\n Our websites use minimal cookies and similar \r\n technologies to ensure functionality and \r\n understand basic usage patterns. We do not use \r\n cookies for invasive tracking or third-party \r\n advertising purposes.\r\n <\/p>\r\n <h3>Types of cookies we may use<\/h3>\r\n <ul class=\"doc-list\">\r\n <li><strong>Essential cookies:<\/strong> Required for website functionality and security.<\/li>\r\n <li><strong>Analytics cookies:<\/strong> Help us understand aggregate usage (e.g., Google Analytics) \u2014 anonymized where possible.<\/li>\r\n <li><strong>Preference cookies:<\/strong> Remember your preferences (e.g., language, display options).<\/li>\r\n <\/ul>\r\n <p>\r\n You can control cookies through your browser \r\n settings. Disabling cookies may affect website \r\n functionality.\r\n <\/p>\r\n <\/section>\r\n\r\n <section id=\"international\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">09.<\/span>\r\n <h2>International Transfers<\/h2>\r\n <\/div>\r\n <p>\r\n We operate across multiple jurisdictions, including \r\n the United States and Nigeria. Personal information \r\n may be transferred to, stored, and processed in \r\n countries other than the country in which you \r\n reside. These countries may have data protection \r\n laws that differ from those of your home country.\r\n <\/p>\r\n <p>\r\n When we transfer personal information internationally, \r\n we take steps to ensure appropriate safeguards are \r\n in place, including contractual protections and \r\n reliance on recognized transfer mechanisms under \r\n applicable law.\r\n <\/p>\r\n <\/section>\r\n\r\n <section id=\"children\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">10.<\/span>\r\n <h2>Children's Privacy<\/h2>\r\n <\/div>\r\n <p>\r\n Our services are intended for adults engaged in real \r\n estate investment, advisory, or professional \r\n business. We do not knowingly collect personal \r\n information from individuals under the age of 18.\r\n <\/p>\r\n <p>\r\n If we become aware that we have inadvertently \r\n collected personal information from a minor, we \r\n will take reasonable steps to delete such \r\n information from our records.\r\n <\/p>\r\n <\/section>\r\n\r\n <section id=\"changes\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">11.<\/span>\r\n <h2>Policy Changes<\/h2>\r\n <\/div>\r\n <p>\r\n We may update this Privacy Policy from time to time \r\n to reflect changes in our practices, legal \r\n requirements, or business operations. The \"Effective \r\n Date\" and \"Last Reviewed\" notations at the top of \r\n this page indicate when the policy was most \r\n recently updated.\r\n <\/p>\r\n <p>\r\n For material changes, we will provide reasonable \r\n notice \u2014 through our websites, email, or other \r\n appropriate means \u2014 before the changes take effect. \r\n Your continued use of our services after such \r\n notice constitutes acceptance of the updated policy.\r\n <\/p>\r\n <\/section>\r\n\r\n <section id=\"contact\" class=\"doc-section contact-sec\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">12.<\/span>\r\n <h2>Contact<\/h2>\r\n <\/div>\r\n <p>\r\n If you have questions, concerns, or requests \r\n regarding this Privacy Policy or our privacy \r\n practices, please contact us:\r\n <\/p>\r\n \r\n <div class=\"contact-block\">\r\n <div class=\"cb-row\">\r\n <span class=\"cb-label\">Email<\/span>\r\n <a href=\"mailto:info@davecartergroup.com\" class=\"cb-value\">info@davecartergroup.com<\/a>\r\n <\/div>\r\n <div class=\"cb-row\">\r\n <span class=\"cb-label\">US Office<\/span>\r\n <span class=\"cb-value\">32 N Gould Street, Suite R<br>Sheridan, WY 82801, USA<\/span>\r\n <\/div>\r\n <div class=\"cb-row\">\r\n <span class=\"cb-label\">Nigeria Office<\/span>\r\n <span class=\"cb-value\">18 Esomo Close, Off Toyin Street<br>Ikeja, Lagos, Nigeria<\/span>\r\n <\/div>\r\n <div class=\"cb-row\">\r\n <span class=\"cb-label\">US Phone<\/span>\r\n <a href=\"tel:+13073571911\" class=\"cb-value\">+1 (307) 357-1911<\/a>\r\n <\/div>\r\n <div class=\"cb-row\">\r\n <span class=\"cb-label\">Nigeria Phone<\/span>\r\n <a href=\"tel:+2348172052666\" class=\"cb-value\">+234 817 205 2666<\/a>\r\n <\/div>\r\n <\/div>\r\n <\/section>\r\n\r\n \r\n <div class=\"doc-footer\">\r\n <p class=\"df-note\">\r\n This Privacy Policy is provided in the spirit of \r\n transparency and in compliance with applicable \r\n privacy and data protection laws.\r\n <\/p>\r\n <p class=\"df-version\">\r\n Dave Carter Group LLC \u00b7 Privacy Policy \u00b7 Version 1.0 \u00b7 January 2025\r\n <\/p>\r\n <\/div>\r\n\r\n <\/article>\r\n <\/div>\r\n <\/section>\r\n\r\n \r\n <footer class=\"adv-foot\">\r\n <div class=\"foot-inner\">\r\n \r\n <div class=\"foot-top\">\r\n <div class=\"foot-brand\">\r\n <img decoding=\"async\" src=\"http:\/\/davecartergroup.com\/us-advisory\/wp-content\/uploads\/2026\/04\/dc-logo.png.jpeg\" alt=\"DC\" class=\"foot-logo\">\r\n <p class=\"foot-tagline\">\r\n Real estate advisory for the cross-border investor.\r\n <\/p>\r\n <\/div>\r\n \r\n <div class=\"foot-nav-grid\">\r\n \r\n <div class=\"foot-nav-col\">\r\n <p class=\"foot-label\">Advisory<\/p>\r\n <a href=\"http:\/\/davecartergroup.com\/us-advisory\">US Operations<\/a>\r\n <a href=\"http:\/\/davecartergroup.com\/us-advisory\/about\">About<\/a>\r\n <a href=\"http:\/\/davecartergroup.com\/us-advisory\/services\">Services<\/a>\r\n <a href=\"http:\/\/davecartergroup.com\/us-advisory\/insights\">Insights<\/a>\r\n <a href=\"http:\/\/davecartergroup.com\/us-advisory\/contact\">Contact<\/a>\r\n <\/div>\r\n \r\n <div class=\"foot-nav-col\">\r\n <p class=\"foot-label\">Nigeria<\/p>\r\n <a href=\"https:\/\/davecartergroup.com\/nigeria-operations\/\">Lagos Operations<\/a>\r\n <a href=\"https:\/\/davecartergroup.com\/nigeria-operations\/\">Services<\/a>\r\n <a href=\"https:\/\/tenanthomefinders.com\/\">TenantHomeFinders<\/a>\r\n <a href=\"https:\/\/estate360nigeria.com\/\">Realty360 Hub<\/a>\r\n <\/div>\r\n \r\n <div class=\"foot-nav-col\">\r\n <p class=\"foot-label\">The Founder<\/p>\r\n <a href=\"https:\/\/kolaadisa.com\" target=\"_blank\" rel=\"noopener\">kolaadisa.com \u2192<\/a>\r\n <\/div>\r\n \r\n <div class=\"foot-nav-col\">\r\n <p class=\"foot-label\">Reach Us<\/p>\r\n <a href=\"tel:+13073571911\">+1 (307) 357-1911<\/a>\r\n <a href=\"tel:+2348172052666\">+234 817 205 2666<\/a>\r\n <a href=\"mailto:info@davecartergroup.com\">info@davecartergroup.com<\/a>\r\n <\/div>\r\n \r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"foot-bottom\">\r\n <p class=\"foot-copy\">\u00a9 2025 Dave Carter Group LLC \u00b7 All rights reserved<\/p>\r\n <div class=\"foot-legal-links\">\r\n <a href=\"privacy.html\" class=\"active\">Privacy Policy<\/a>\r\n <span class=\"sep\">\u00b7<\/span>\r\n <a href=\"terms.html\">Terms of Use<\/a>\r\n <span class=\"sep\">\u00b7<\/span>\r\n <a href=\"disclosures.html\">Legal Disclosures<\/a>\r\n <span class=\"sep\">\u00b7<\/span>\r\n <a href=\"..\/brokerage.html\">Brokerage Disclosure<\/a>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"foot-disclaimer\">\r\n <p>\r\n <strong>Legal Notice:<\/strong> Dave Carter Group LLC (USA) provides \r\n real estate advisory, consulting, and investor services only. \r\n Brokerage services in the State of New York \u2014 including the sale, \r\n purchase, and leasing of real property \u2014 are performed by \r\n <em>Kola Adisa<\/em> personally under his separate New York REALTOR\u00ae \r\n license, not by Dave Carter Group LLC. Dave Carter Integrated Services \r\n Ltd operates independently in Nigeria. All services are delivered in \r\n strict accordance with applicable federal, state, and international law.\r\n <\/p>\r\n <\/div>\r\n \r\n <\/div>\r\n <\/footer>\r\n\r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", function () {\r\n const menuBtn = document.querySelector(\".nav-menu-btn\");\r\n const navLinks = document.querySelector(\".nav-links\");\r\n const body = document.body;\r\n\r\n menuBtn.addEventListener(\"click\", function () {\r\n const isActive = navLinks.classList.contains(\"active\");\r\n navLinks.classList.toggle(\"active\");\r\n menuBtn.classList.toggle(\"active\");\r\n body.classList.toggle(\"menu-open\");\r\n menuBtn.setAttribute(\"aria-expanded\", !isActive);\r\n });\r\n\r\n document.querySelectorAll(\".nav-links a\").forEach(link => {\r\n link.addEventListener(\"click\", () => {\r\n navLinks.classList.remove(\"active\");\r\n menuBtn.classList.remove(\"active\");\r\n body.classList.remove(\"menu-open\");\r\n menuBtn.setAttribute(\"aria-expanded\", \"false\");\r\n });\r\n });\r\n\r\n \/\/ Smooth scroll for TOC links\r\n document.querySelectorAll('.toc-link').forEach(link => {\r\n link.addEventListener('click', (e) => {\r\n const targetId = link.getAttribute('href').substring(1);\r\n const target = document.getElementById(targetId);\r\n if (target) {\r\n e.preventDefault();\r\n window.scrollTo({\r\n top: target.offsetTop - 120,\r\n behavior: 'smooth'\r\n });\r\n document.querySelectorAll('.toc-link').forEach(l => l.classList.remove('active'));\r\n link.classList.add('active');\r\n }\r\n });\r\n });\r\n\r\n \/\/ Highlight active TOC link on scroll\r\n const sections = document.querySelectorAll('.doc-section');\r\n const tocLinks = document.querySelectorAll('.toc-link');\r\n \r\n const observer = new IntersectionObserver((entries) => {\r\n entries.forEach(entry => {\r\n if (entry.isIntersecting) {\r\n const id = entry.target.getAttribute('id');\r\n tocLinks.forEach(link => {\r\n link.classList.remove('active');\r\n if 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