Legal Disclosures \u2014 Dave Carter Group US Advisory<\/title>\r\n <meta name=\"description\" content=\"Consolidated legal disclosures for Dave Carter Group LLC and affiliated entities.\">\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>Legal Disclosures<\/span>\r\n <\/div>\r\n\r\n <div class=\"doc-header\">\r\n <p class=\"doc-type\">Legal Document<\/p>\r\n <h1>Legal <span class=\"italic\">Disclosures.<\/span><\/h1>\r\n <p class=\"doc-intro\">\r\n Consolidated disclosures regarding the nature of our \r\n services, regulatory status, professional affiliations, \r\n and the limits of our engagement with clients and the \r\n public.\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\">Privacy Policy<\/a>\r\n <a href=\"terms.html\" class=\"tab\">Terms of Use<\/a>\r\n <a href=\"disclosures.html\" class=\"tab active\">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 <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=\"#overview\" class=\"toc-link\">01 \u00b7 Overview<\/a>\r\n <a href=\"#entities\" class=\"toc-link\">02 \u00b7 Legal Entities<\/a>\r\n <a href=\"#advisory-scope\" class=\"toc-link\">03 \u00b7 Advisory Scope<\/a>\r\n <a href=\"#no-advice\" class=\"toc-link\">04 \u00b7 Not Legal\/Tax\/Investment Advice<\/a>\r\n <a href=\"#fair-housing\" class=\"toc-link\">05 \u00b7 Fair Housing<\/a>\r\n <a href=\"#memberships\" class=\"toc-link\">06 \u00b7 Professional Memberships<\/a>\r\n <a href=\"#compliance\" class=\"toc-link\">07 \u00b7 Regulatory Compliance<\/a>\r\n <a href=\"#cross-border\" class=\"toc-link\">08 \u00b7 Cross-Border Regulation<\/a>\r\n <a href=\"#conflicts\" class=\"toc-link\">09 \u00b7 Conflicts of Interest<\/a>\r\n <a href=\"#testimonials\" class=\"toc-link\">10 \u00b7 Testimonials & Case Studies<\/a>\r\n <a href=\"#forward\" class=\"toc-link\">11 \u00b7 Forward-Looking Statements<\/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 <article class=\"doc-content\">\r\n \r\n <section id=\"overview\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">01.<\/span>\r\n <h2>Overview<\/h2>\r\n <\/div>\r\n <p>\r\n This document consolidates the principal legal \r\n disclosures relating to Dave Carter Group LLC and \r\n its affiliated entities. It is intended to promote \r\n transparency about who we are, what we do, and \r\n the regulatory framework governing our work.\r\n <\/p>\r\n <p>\r\n This document is supplemented by our \r\n <a href=\"..\/brokerage.html\">Brokerage Disclosure<\/a> \r\n (which details the legal separation between \r\n advisory and brokerage activities), our \r\n <a href=\"privacy.html\">Privacy Policy<\/a>, and our \r\n <a href=\"terms.html\">Terms of Use<\/a>. Together, \r\n these documents describe the legal framework \r\n within which we operate.\r\n <\/p>\r\n <\/section>\r\n\r\n <section id=\"entities\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">02.<\/span>\r\n <h2>Legal Entities<\/h2>\r\n <\/div>\r\n <p>\r\n The services described on our websites are provided \r\n by three distinct legal entities, each governed by \r\n its own jurisdiction and regulatory regime:\r\n <\/p>\r\n\r\n <div class=\"entity-summary\">\r\n <h3>Dave Carter Group LLC (USA)<\/h3>\r\n <p>\r\n A Wyoming-based limited liability company \r\n providing advisory, consulting, and investor \r\n services. The LLC is <em>not<\/em> a licensed \r\n real estate brokerage.\r\n <\/p>\r\n <\/div>\r\n\r\n <div class=\"entity-summary\">\r\n <h3>Kola Adisa (Individual Licensee)<\/h3>\r\n <p>\r\n An individually-licensed New York REALTOR\u00ae \r\n providing brokerage services in New York State \r\n under his personal license \u2014 separately from, \r\n and not under the umbrella of, Dave Carter \r\n Group LLC.\r\n <\/p>\r\n <\/div>\r\n\r\n <div class=\"entity-summary\">\r\n <h3>Dave Carter Integrated Services Ltd (Nigeria)<\/h3>\r\n <p>\r\n A Nigerian limited liability company providing \r\n real estate operations, property management, \r\n and related services in Nigeria under Nigerian law.\r\n <\/p>\r\n <\/div>\r\n\r\n <p class=\"emphasis-note\">\r\n For the complete legal framework governing these \r\n entities, please see our \r\n <a href=\"..\/brokerage.html\">Brokerage Disclosure<\/a>.\r\n <\/p>\r\n <\/section>\r\n\r\n <section id=\"advisory-scope\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">03.<\/span>\r\n <h2>Advisory Scope<\/h2>\r\n <\/div>\r\n <p>\r\n Dave Carter Group LLC provides advisory and \r\n consulting services, which include but are not \r\n limited to:\r\n <\/p>\r\n <ul class=\"doc-list\">\r\n <li>Real estate investment advisory and underwriting review<\/li>\r\n <li>Business strategy and operational consulting<\/li>\r\n <li>Cross-border investment structuring counsel<\/li>\r\n <li>Diaspora wealth and capital planning guidance<\/li>\r\n <li>Portfolio review and ongoing advisory mandates<\/li>\r\n <li>Coordination with licensed professionals (attorneys, tax advisors, brokers)<\/li>\r\n <\/ul>\r\n <p>\r\n The LLC does <strong>not<\/strong> perform licensed \r\n brokerage activity, provide regulated investment \r\n advice (as defined under US securities law), \r\n practice law, or provide tax preparation or \r\n opinions. Each of those functions is performed by \r\n appropriately licensed third parties, whom we \r\n coordinate with.\r\n <\/p>\r\n <\/section>\r\n\r\n <section id=\"no-advice\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">04.<\/span>\r\n <h2>Not Legal, Tax, or Investment Advice<\/h2>\r\n <\/div>\r\n \r\n <div class=\"disclaimer-block\">\r\n <p class=\"db-label\">IMPORTANT DISCLAIMER<\/p>\r\n <p>\r\n NOTHING ON OUR WEBSITES, IN OUR PUBLICATIONS, \r\n IN OUR COMMUNICATIONS, OR IN ANY ENGAGEMENT \r\n WITH DAVE CARTER GROUP LLC, KOLA ADISA \r\n PERSONALLY, OR DAVE CARTER INTEGRATED \r\n SERVICES LTD CONSTITUTES LEGAL ADVICE, TAX \r\n ADVICE, ACCOUNTING ADVICE, OR REGULATED \r\n INVESTMENT ADVICE.\r\n <\/p>\r\n <\/div>\r\n\r\n <p>\r\n Our content and services are provided for \r\n advisory and informational purposes. They reflect \r\n the professional opinions, research, and \r\n experience of our team. They are <em>not<\/em> a \r\n substitute for personalized advice from:\r\n <\/p>\r\n <ul class=\"doc-list\">\r\n <li>A qualified attorney for legal matters<\/li>\r\n <li>A licensed CPA or tax professional for tax matters<\/li>\r\n <li>A registered investment advisor (RIA) for regulated investment matters<\/li>\r\n <li>A licensed real estate broker in the applicable jurisdiction for brokerage matters (other than Kola Adisa's personal New York license)<\/li>\r\n <\/ul>\r\n <p>\r\n You should consult appropriate professionals \r\n before making decisions based on any information \r\n or guidance we provide. We encourage \u2014 and, for \r\n serious engagements, require \u2014 clients to retain \r\n their own counsel.\r\n <\/p>\r\n <\/section>\r\n\r\n <section id=\"fair-housing\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">05.<\/span>\r\n <h2>Fair Housing<\/h2>\r\n <\/div>\r\n <p>\r\n Kola Adisa, in his capacity as a licensed New \r\n York REALTOR\u00ae, operates in strict compliance with:\r\n <\/p>\r\n <ul class=\"doc-list\">\r\n <li>The Federal Fair Housing Act (42 U.S.C. \u00a7\u00a7 3601 et seq.)<\/li>\r\n <li>The New York State Human Rights Law<\/li>\r\n <li>New York City Human Rights Law (where applicable)<\/li>\r\n <li>All other applicable local fair housing ordinances<\/li>\r\n <li>The Code of Ethics of the National Association of REALTORS\u00ae<\/li>\r\n <\/ul>\r\n <p>\r\n No discrimination is practiced or tolerated on the \r\n basis of race, color, religion, national origin, \r\n sex, disability, familial status, sexual \r\n orientation, gender identity, age, military \r\n status, source of income, marital status, or any \r\n other protected characteristic under applicable \r\n federal, state, or local law.\r\n <\/p>\r\n <p>\r\n If you believe you have experienced housing \r\n discrimination in connection with services \r\n provided by Kola Adisa, you may contact the US \r\n Department of Housing and Urban Development (HUD) \r\n or the New York State Division of Human Rights. \r\n You may also raise the concern directly with us \r\n at <a href=\"mailto:info@davecartergroup.com\">info@davecartergroup.com<\/a>.\r\n <\/p>\r\n <\/section>\r\n\r\n <section id=\"memberships\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">06.<\/span>\r\n <h2>Professional Memberships<\/h2>\r\n <\/div>\r\n <p>\r\n Kola Adisa maintains active membership in the \r\n following professional organizations, which impose \r\n ethical standards, continuing education \r\n requirements, and professional conduct obligations \r\n on their members:\r\n <\/p>\r\n <ul class=\"doc-list\">\r\n <li><strong>National Association of REALTORS\u00ae (NAR)<\/strong> \u2014 Professional conduct and ethics standards for US real estate professionals<\/li>\r\n <li><strong>New York State Association of REALTORS\u00ae<\/strong> \u2014 State-level professional standards and continuing education<\/li>\r\n <li><strong>Staten Island Board of REALTORS\u00ae (SIBOR)<\/strong> \u2014 Regional MLS access and local industry oversight<\/li>\r\n <li><strong>New York Real Estate Institute (NYREI)<\/strong> \u2014 Professional training and credentialing body<\/li>\r\n <li><strong>Association of Estate Agents of Nigeria (AEAN)<\/strong> \u2014 Ethical standards for Nigerian real estate practice<\/li>\r\n <\/ul>\r\n <p>\r\n Membership in these organizations does not \r\n constitute endorsement of any particular \r\n transaction, strategy, or outcome. It reflects a \r\n commitment to ongoing professional development and \r\n ethical practice.\r\n <\/p>\r\n <\/section>\r\n\r\n <section id=\"compliance\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">07.<\/span>\r\n <h2>Regulatory Compliance<\/h2>\r\n <\/div>\r\n <p>\r\n Our services are provided in accordance with \r\n applicable federal, state, and international laws, \r\n including but not limited to:\r\n <\/p>\r\n <ul class=\"doc-list\">\r\n <li>US federal laws governing financial services, anti-money laundering (AML), and know-your-customer (KYC) obligations<\/li>\r\n <li>New York State real estate licensing law and Department of State regulations (as applicable to Kola Adisa's personal license)<\/li>\r\n <li>Wyoming business law as applicable to Dave Carter Group LLC's formation and operations<\/li>\r\n <li>Nigerian commercial law and Corporate Affairs Commission (CAC) regulations as applicable to Dave Carter Integrated Services Ltd<\/li>\r\n <li>US Bank Secrecy Act, USA PATRIOT Act, and Office of Foreign Assets Control (OFAC) sanctions regulations<\/li>\r\n <li>Applicable international regulations governing cross-border capital flows and diaspora remittances<\/li>\r\n <\/ul>\r\n <p>\r\n We conduct appropriate due diligence and \r\n compliance reviews for client engagements. For \r\n complex cross-border matters, we coordinate with \r\n qualified legal counsel in the relevant \r\n jurisdictions.\r\n <\/p>\r\n <\/section>\r\n\r\n <section id=\"cross-border\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">08.<\/span>\r\n <h2>Cross-Border Regulation<\/h2>\r\n <\/div>\r\n <p>\r\n Cross-border real estate transactions and \r\n advisory work involving both the United States \r\n and Nigeria are subject to multiple regulatory \r\n regimes. These may include, but are not limited \r\n to:\r\n <\/p>\r\n <ul class=\"doc-list\">\r\n <li>US tax reporting obligations for foreign assets (FBAR, FATCA)<\/li>\r\n <li>Nigerian foreign exchange regulations and Certificates of Capital Importation<\/li>\r\n <li>Transfer pricing and withholding tax considerations in both jurisdictions<\/li>\r\n <li>Double-taxation treaty considerations (where applicable)<\/li>\r\n <li>AML\/KYC obligations across jurisdictions<\/li>\r\n <li>Nigerian Land Use Act compliance for real estate acquisitions<\/li>\r\n <\/ul>\r\n <p>\r\n While we provide advisory counsel on cross-border \r\n structuring, the ultimate legal and tax \r\n responsibility rests with the client and their \r\n retained legal and tax professionals. We do not \r\n provide legal or tax advice ourselves \u2014 we \r\n coordinate with those who are licensed to do so.\r\n <\/p>\r\n <\/section>\r\n\r\n <section id=\"conflicts\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">09.<\/span>\r\n <h2>Conflicts of Interest<\/h2>\r\n <\/div>\r\n <p>\r\n We endeavor to operate with transparency regarding \r\n potential conflicts of interest. Our practices \r\n include:\r\n <\/p>\r\n <ul class=\"doc-list\">\r\n <li><strong>Fee transparency:<\/strong> Advisory fees are disclosed upfront. Brokerage commissions, where applicable, follow industry-standard disclosure requirements.<\/li>\r\n <li><strong>Dual representation:<\/strong> Where Kola Adisa is representing both buyer and seller in a New York transaction, such dual agency is disclosed in writing as required by New York law.<\/li>\r\n <li><strong>Referral relationships:<\/strong> When we refer clients to attorneys, tax advisors, licensed brokers in other jurisdictions, or third-party service providers, we disclose any material referral arrangements.<\/li>\r\n <li><strong>Entity-related interests:<\/strong> Where the LLC (USA) coordinates with DCIS Ltd (Nigeria) on a client engagement, the ownership relationship between these entities is disclosed, and fees for each entity's services are separately contracted and transparent.<\/li>\r\n <li><strong>Personal interests:<\/strong> Where the advisory team or founder has a personal financial interest in a matter under discussion (e.g., a property being considered by a client in which we also have interest), such interest is disclosed before any advice is given.<\/li>\r\n <\/ul>\r\n <\/section>\r\n\r\n <section id=\"testimonials\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">10.<\/span>\r\n <h2>Testimonials & Case Studies<\/h2>\r\n <\/div>\r\n <p>\r\n Any client testimonials, case studies, or \r\n references to past work on our websites, in our \r\n publications, or in marketing materials:\r\n <\/p>\r\n <ul class=\"doc-list\">\r\n <li>Are provided with the express permission of the individuals quoted<\/li>\r\n <li>Reflect the experience of specific individuals in specific circumstances<\/li>\r\n <li>Are <em>not<\/em> guarantees of comparable results for other clients<\/li>\r\n <li>May be anonymized or identified only by initials or descriptive titles to protect privacy<\/li>\r\n <li>Are not compensated unless explicitly and transparently disclosed<\/li>\r\n <\/ul>\r\n <p>\r\n Real estate investments and advisory outcomes vary \r\n based on many factors. Past results are not \r\n indicative of future performance.\r\n <\/p>\r\n <\/section>\r\n\r\n <section id=\"forward\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">11.<\/span>\r\n <h2>Forward-Looking Statements<\/h2>\r\n <\/div>\r\n <p>\r\n Our websites and publications may contain \r\n forward-looking statements \u2014 projections, \r\n expectations, opinions about market direction, \r\n and forecasts. These statements:\r\n <\/p>\r\n <ul class=\"doc-list\">\r\n <li>Are based on information available at the time of writing<\/li>\r\n <li>Involve assumptions that may prove incorrect<\/li>\r\n <li>Are subject to risks, uncertainties, and changes in circumstances<\/li>\r\n <li>Do not guarantee any future outcome or performance<\/li>\r\n <\/ul>\r\n <p>\r\n Readers should not place undue reliance on \r\n forward-looking statements. Markets change. \r\n Regulations change. Economic conditions change. \r\n Any decisions based on forward-looking content \r\n should be made in consultation with appropriate \r\n professionals and with independent verification \r\n of underlying assumptions.\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 For questions regarding these disclosures, please \r\n 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 <div class=\"doc-footer\">\r\n <p class=\"df-note\">\r\n These disclosures are provided in the spirit of \r\n full transparency regarding our services, \r\n regulatory status, and professional practice.\r\n <\/p>\r\n <p class=\"df-version\">\r\n Dave Carter Group LLC \u00b7 Legal Disclosures \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\">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\" class=\"active\">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 Legal Disclosures \u2014 Dave Carter Group US Advisory<\/title>\r\n <meta name=\"description\" content=\"Consolidated legal disclosures for Dave Carter Group LLC and affiliated entities.\">\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>Legal Disclosures<\/span>\r\n <\/div>\r\n\r\n <div class=\"doc-header\">\r\n <p class=\"doc-type\">Legal Document<\/p>\r\n <h1>Legal <span class=\"italic\">Disclosures.<\/span><\/h1>\r\n <p class=\"doc-intro\">\r\n Consolidated disclosures regarding the nature of our \r\n services, regulatory status, professional affiliations, \r\n and the limits of our engagement with clients and the \r\n public.\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\">Privacy Policy<\/a>\r\n <a href=\"terms.html\" class=\"tab\">Terms of Use<\/a>\r\n <a href=\"disclosures.html\" class=\"tab active\">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 <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=\"#overview\" class=\"toc-link\">01 \u00b7 Overview<\/a>\r\n <a href=\"#entities\" class=\"toc-link\">02 \u00b7 Legal Entities<\/a>\r\n <a href=\"#advisory-scope\" class=\"toc-link\">03 \u00b7 Advisory Scope<\/a>\r\n <a href=\"#no-advice\" class=\"toc-link\">04 \u00b7 Not Legal\/Tax\/Investment Advice<\/a>\r\n <a href=\"#fair-housing\" class=\"toc-link\">05 \u00b7 Fair Housing<\/a>\r\n <a href=\"#memberships\" class=\"toc-link\">06 \u00b7 Professional Memberships<\/a>\r\n <a href=\"#compliance\" class=\"toc-link\">07 \u00b7 Regulatory Compliance<\/a>\r\n <a href=\"#cross-border\" class=\"toc-link\">08 \u00b7 Cross-Border Regulation<\/a>\r\n <a href=\"#conflicts\" class=\"toc-link\">09 \u00b7 Conflicts of Interest<\/a>\r\n <a href=\"#testimonials\" class=\"toc-link\">10 \u00b7 Testimonials & Case Studies<\/a>\r\n <a href=\"#forward\" class=\"toc-link\">11 \u00b7 Forward-Looking Statements<\/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 <article class=\"doc-content\">\r\n \r\n <section id=\"overview\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">01.<\/span>\r\n <h2>Overview<\/h2>\r\n <\/div>\r\n <p>\r\n This document consolidates the principal legal \r\n disclosures relating to Dave Carter Group LLC and \r\n its affiliated entities. It is intended to promote \r\n transparency about who we are, what we do, and \r\n the regulatory framework governing our work.\r\n <\/p>\r\n <p>\r\n This document is supplemented by our \r\n <a href=\"..\/brokerage.html\">Brokerage Disclosure<\/a> \r\n (which details the legal separation between \r\n advisory and brokerage activities), our \r\n <a href=\"privacy.html\">Privacy Policy<\/a>, and our \r\n <a href=\"terms.html\">Terms of Use<\/a>. Together, \r\n these documents describe the legal framework \r\n within which we operate.\r\n <\/p>\r\n <\/section>\r\n\r\n <section id=\"entities\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">02.<\/span>\r\n <h2>Legal Entities<\/h2>\r\n <\/div>\r\n <p>\r\n The services described on our websites are provided \r\n by three distinct legal entities, each governed by \r\n its own jurisdiction and regulatory regime:\r\n <\/p>\r\n\r\n <div class=\"entity-summary\">\r\n <h3>Dave Carter Group LLC (USA)<\/h3>\r\n <p>\r\n A Wyoming-based limited liability company \r\n providing advisory, consulting, and investor \r\n services. The LLC is <em>not<\/em> a licensed \r\n real estate brokerage.\r\n <\/p>\r\n <\/div>\r\n\r\n <div class=\"entity-summary\">\r\n <h3>Kola Adisa (Individual Licensee)<\/h3>\r\n <p>\r\n An individually-licensed New York REALTOR\u00ae \r\n providing brokerage services in New York State \r\n under his personal license \u2014 separately from, \r\n and not under the umbrella of, Dave Carter \r\n Group LLC.\r\n <\/p>\r\n <\/div>\r\n\r\n <div class=\"entity-summary\">\r\n <h3>Dave Carter Integrated Services Ltd (Nigeria)<\/h3>\r\n <p>\r\n A Nigerian limited liability company providing \r\n real estate operations, property management, \r\n and related services in Nigeria under Nigerian law.\r\n <\/p>\r\n <\/div>\r\n\r\n <p class=\"emphasis-note\">\r\n For the complete legal framework governing these \r\n entities, please see our \r\n <a href=\"..\/brokerage.html\">Brokerage Disclosure<\/a>.\r\n <\/p>\r\n <\/section>\r\n\r\n <section id=\"advisory-scope\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">03.<\/span>\r\n <h2>Advisory Scope<\/h2>\r\n <\/div>\r\n <p>\r\n Dave Carter Group LLC provides advisory and \r\n consulting services, which include but are not \r\n limited to:\r\n <\/p>\r\n <ul class=\"doc-list\">\r\n <li>Real estate investment advisory and underwriting review<\/li>\r\n <li>Business strategy and operational consulting<\/li>\r\n <li>Cross-border investment structuring counsel<\/li>\r\n <li>Diaspora wealth and capital planning guidance<\/li>\r\n <li>Portfolio review and ongoing advisory mandates<\/li>\r\n <li>Coordination with licensed professionals (attorneys, tax advisors, brokers)<\/li>\r\n <\/ul>\r\n <p>\r\n The LLC does <strong>not<\/strong> perform licensed \r\n brokerage activity, provide regulated investment \r\n advice (as defined under US securities law), \r\n practice law, or provide tax preparation or \r\n opinions. Each of those functions is performed by \r\n appropriately licensed third parties, whom we \r\n coordinate with.\r\n <\/p>\r\n <\/section>\r\n\r\n <section id=\"no-advice\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">04.<\/span>\r\n <h2>Not Legal, Tax, or Investment Advice<\/h2>\r\n <\/div>\r\n \r\n <div class=\"disclaimer-block\">\r\n <p class=\"db-label\">IMPORTANT DISCLAIMER<\/p>\r\n <p>\r\n NOTHING ON OUR WEBSITES, IN OUR PUBLICATIONS, \r\n IN OUR COMMUNICATIONS, OR IN ANY ENGAGEMENT \r\n WITH DAVE CARTER GROUP LLC, KOLA ADISA \r\n PERSONALLY, OR DAVE CARTER INTEGRATED \r\n SERVICES LTD CONSTITUTES LEGAL ADVICE, TAX \r\n ADVICE, ACCOUNTING ADVICE, OR REGULATED \r\n INVESTMENT ADVICE.\r\n <\/p>\r\n <\/div>\r\n\r\n <p>\r\n Our content and services are provided for \r\n advisory and informational purposes. They reflect \r\n the professional opinions, research, and \r\n experience of our team. They are <em>not<\/em> a \r\n substitute for personalized advice from:\r\n <\/p>\r\n <ul class=\"doc-list\">\r\n <li>A qualified attorney for legal matters<\/li>\r\n <li>A licensed CPA or tax professional for tax matters<\/li>\r\n <li>A registered investment advisor (RIA) for regulated investment matters<\/li>\r\n <li>A licensed real estate broker in the applicable jurisdiction for brokerage matters (other than Kola Adisa's personal New York license)<\/li>\r\n <\/ul>\r\n <p>\r\n You should consult appropriate professionals \r\n before making decisions based on any information \r\n or guidance we provide. We encourage \u2014 and, for \r\n serious engagements, require \u2014 clients to retain \r\n their own counsel.\r\n <\/p>\r\n <\/section>\r\n\r\n <section id=\"fair-housing\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">05.<\/span>\r\n <h2>Fair Housing<\/h2>\r\n <\/div>\r\n <p>\r\n Kola Adisa, in his capacity as a licensed New \r\n York REALTOR\u00ae, operates in strict compliance with:\r\n <\/p>\r\n <ul class=\"doc-list\">\r\n <li>The Federal Fair Housing Act (42 U.S.C. \u00a7\u00a7 3601 et seq.)<\/li>\r\n <li>The New York State Human Rights Law<\/li>\r\n <li>New York City Human Rights Law (where applicable)<\/li>\r\n <li>All other applicable local fair housing ordinances<\/li>\r\n <li>The Code of Ethics of the National Association of REALTORS\u00ae<\/li>\r\n <\/ul>\r\n <p>\r\n No discrimination is practiced or tolerated on the \r\n basis of race, color, religion, national origin, \r\n sex, disability, familial status, sexual \r\n orientation, gender identity, age, military \r\n status, source of income, marital status, or any \r\n other protected characteristic under applicable \r\n federal, state, or local law.\r\n <\/p>\r\n <p>\r\n If you believe you have experienced housing \r\n discrimination in connection with services \r\n provided by Kola Adisa, you may contact the US \r\n Department of Housing and Urban Development (HUD) \r\n or the New York State Division of Human Rights. \r\n You may also raise the concern directly with us \r\n at <a href=\"mailto:info@davecartergroup.com\">info@davecartergroup.com<\/a>.\r\n <\/p>\r\n <\/section>\r\n\r\n <section id=\"memberships\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">06.<\/span>\r\n <h2>Professional Memberships<\/h2>\r\n <\/div>\r\n <p>\r\n Kola Adisa maintains active membership in the \r\n following professional organizations, which impose \r\n ethical standards, continuing education \r\n requirements, and professional conduct obligations \r\n on their members:\r\n <\/p>\r\n <ul class=\"doc-list\">\r\n <li><strong>National Association of REALTORS\u00ae (NAR)<\/strong> \u2014 Professional conduct and ethics standards for US real estate professionals<\/li>\r\n <li><strong>New York State Association of REALTORS\u00ae<\/strong> \u2014 State-level professional standards and continuing education<\/li>\r\n <li><strong>Staten Island Board of REALTORS\u00ae (SIBOR)<\/strong> \u2014 Regional MLS access and local industry oversight<\/li>\r\n <li><strong>New York Real Estate Institute (NYREI)<\/strong> \u2014 Professional training and credentialing body<\/li>\r\n <li><strong>Association of Estate Agents of Nigeria (AEAN)<\/strong> \u2014 Ethical standards for Nigerian real estate practice<\/li>\r\n <\/ul>\r\n <p>\r\n Membership in these organizations does not \r\n constitute endorsement of any particular \r\n transaction, strategy, or outcome. It reflects a \r\n commitment to ongoing professional development and \r\n ethical practice.\r\n <\/p>\r\n <\/section>\r\n\r\n <section id=\"compliance\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">07.<\/span>\r\n <h2>Regulatory Compliance<\/h2>\r\n <\/div>\r\n <p>\r\n Our services are provided in accordance with \r\n applicable federal, state, and international laws, \r\n including but not limited to:\r\n <\/p>\r\n <ul class=\"doc-list\">\r\n <li>US federal laws governing financial services, anti-money laundering (AML), and know-your-customer (KYC) obligations<\/li>\r\n <li>New York State real estate licensing law and Department of State regulations (as applicable to Kola Adisa's personal license)<\/li>\r\n <li>Wyoming business law as applicable to Dave Carter Group LLC's formation and operations<\/li>\r\n <li>Nigerian commercial law and Corporate Affairs Commission (CAC) regulations as applicable to Dave Carter Integrated Services Ltd<\/li>\r\n <li>US Bank Secrecy Act, USA PATRIOT Act, and Office of Foreign Assets Control (OFAC) sanctions regulations<\/li>\r\n <li>Applicable international regulations governing cross-border capital flows and diaspora remittances<\/li>\r\n <\/ul>\r\n <p>\r\n We conduct appropriate due diligence and \r\n compliance reviews for client engagements. For \r\n complex cross-border matters, we coordinate with \r\n qualified legal counsel in the relevant \r\n jurisdictions.\r\n <\/p>\r\n <\/section>\r\n\r\n <section id=\"cross-border\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">08.<\/span>\r\n <h2>Cross-Border Regulation<\/h2>\r\n <\/div>\r\n <p>\r\n Cross-border real estate transactions and \r\n advisory work involving both the United States \r\n and Nigeria are subject to multiple regulatory \r\n regimes. These may include, but are not limited \r\n to:\r\n <\/p>\r\n <ul class=\"doc-list\">\r\n <li>US tax reporting obligations for foreign assets (FBAR, FATCA)<\/li>\r\n <li>Nigerian foreign exchange regulations and Certificates of Capital Importation<\/li>\r\n <li>Transfer pricing and withholding tax considerations in both jurisdictions<\/li>\r\n <li>Double-taxation treaty considerations (where applicable)<\/li>\r\n <li>AML\/KYC obligations across jurisdictions<\/li>\r\n <li>Nigerian Land Use Act compliance for real estate acquisitions<\/li>\r\n <\/ul>\r\n <p>\r\n While we provide advisory counsel on cross-border \r\n structuring, the ultimate legal and tax \r\n responsibility rests with the client and their \r\n retained legal and tax professionals. We do not \r\n provide legal or tax advice ourselves \u2014 we \r\n coordinate with those who are licensed to do so.\r\n <\/p>\r\n <\/section>\r\n\r\n <section id=\"conflicts\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">09.<\/span>\r\n <h2>Conflicts of Interest<\/h2>\r\n <\/div>\r\n <p>\r\n We endeavor to operate with transparency regarding \r\n potential conflicts of interest. Our practices \r\n include:\r\n <\/p>\r\n <ul class=\"doc-list\">\r\n <li><strong>Fee transparency:<\/strong> Advisory fees are disclosed upfront. Brokerage commissions, where applicable, follow industry-standard disclosure requirements.<\/li>\r\n <li><strong>Dual representation:<\/strong> Where Kola Adisa is representing both buyer and seller in a New York transaction, such dual agency is disclosed in writing as required by New York law.<\/li>\r\n <li><strong>Referral relationships:<\/strong> When we refer clients to attorneys, tax advisors, licensed brokers in other jurisdictions, or third-party service providers, we disclose any material referral arrangements.<\/li>\r\n <li><strong>Entity-related interests:<\/strong> Where the LLC (USA) coordinates with DCIS Ltd (Nigeria) on a client engagement, the ownership relationship between these entities is disclosed, and fees for each entity's services are separately contracted and transparent.<\/li>\r\n <li><strong>Personal interests:<\/strong> Where the advisory team or founder has a personal financial interest in a matter under discussion (e.g., a property being considered by a client in which we also have interest), such interest is disclosed before any advice is given.<\/li>\r\n <\/ul>\r\n <\/section>\r\n\r\n <section id=\"testimonials\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">10.<\/span>\r\n <h2>Testimonials & Case Studies<\/h2>\r\n <\/div>\r\n <p>\r\n Any client testimonials, case studies, or \r\n references to past work on our websites, in our \r\n publications, or in marketing materials:\r\n <\/p>\r\n <ul class=\"doc-list\">\r\n <li>Are provided with the express permission of the individuals quoted<\/li>\r\n <li>Reflect the experience of specific individuals in specific circumstances<\/li>\r\n <li>Are <em>not<\/em> guarantees of comparable results for other clients<\/li>\r\n <li>May be anonymized or identified only by initials or descriptive titles to protect privacy<\/li>\r\n <li>Are not compensated unless explicitly and transparently disclosed<\/li>\r\n <\/ul>\r\n <p>\r\n Real estate investments and advisory outcomes vary \r\n based on many factors. Past results are not \r\n indicative of future performance.\r\n <\/p>\r\n <\/section>\r\n\r\n <section id=\"forward\" class=\"doc-section\">\r\n <div class=\"sec-header\">\r\n <span class=\"sec-num\">11.<\/span>\r\n <h2>Forward-Looking Statements<\/h2>\r\n <\/div>\r\n <p>\r\n Our websites and publications may contain \r\n forward-looking statements \u2014 projections, \r\n expectations, opinions about market direction, \r\n and forecasts. These statements:\r\n <\/p>\r\n <ul class=\"doc-list\">\r\n <li>Are based on information available at the time of writing<\/li>\r\n <li>Involve assumptions that may prove incorrect<\/li>\r\n <li>Are subject to risks, uncertainties, and changes in circumstances<\/li>\r\n <li>Do not guarantee any future outcome or performance<\/li>\r\n <\/ul>\r\n <p>\r\n Readers should not place undue reliance on \r\n forward-looking statements. Markets change. \r\n Regulations change. Economic conditions change. \r\n Any decisions based on forward-looking content \r\n should be made in consultation with appropriate \r\n professionals and with independent verification \r\n of underlying assumptions.\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 For questions regarding these disclosures, please \r\n 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 <div class=\"doc-footer\">\r\n <p class=\"df-note\">\r\n These disclosures are provided in the spirit of \r\n full transparency regarding our services, \r\n regulatory status, and professional practice.\r\n <\/p>\r\n <p class=\"df-version\">\r\n Dave Carter Group LLC \u00b7 Legal Disclosures \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\">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\" class=\"active\">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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