Terms of Use for KDH Financial

Effective Date: August 11, 2026

Last Updated: August 11, 2026

Welcome to KDH Financial (“Company,” “we,” “us,” or “our”). These Terms of Use (“Terms”) govern your access to and use of our website located at https://kdhfinancial.com/ (the “Site”), as well as any related content, functionality, and services offered on or through the Site.

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THE SITE. BY ACCESSING, BROWSING, OR USING THIS SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS AND OUR PRIVACY POLICY. IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT ACCESS OR USE THE SITE.

1. No Financial, Investment, Tax, or Legal Advice

The materials, content, tools, and information published on this Site are provided solely for general informational, educational, and promotional purposes. Nothing on this Site constitutes personalized financial, investment, legal, tax, or accounting advice.

  • No Fiduciary or Advisory Relationship: Visiting or using this Site, submitting an inquiry, or downloading materials does not create an investment advisory, fiduciary, or professional relationship between you and KDH Financial. Such a relationship is established only after a formal written Advisory Agreement or Engagement Letter has been executed between you and KDH Financial.

  • Consult a Professional: Your personal financial situation is unique. You should consult a licensed financial advisor, CPA, or attorney before making any investment, financial, or tax-related decisions based on the content of this Site.

2. Investment Risks Disclosures

  • Risk of Loss: Past performance is no guarantee or indication of future results. All investments involve risk, including the possible loss of principal.

  • No Guarantees: KDH Financial makes no representations or warranties regarding the potential profitability, performance, or outcome of any financial strategy, asset class, or investment product discussed on this Site.

  • Forward-Looking Statements: Content on this Site may include forward-looking statements or estimates. These statements are based on current assumptions and expectations and are subject to change without notice.

3. Regulatory Disclosures & Compliance

KDH Financial provides advisory services in accordance with applicable federal and state securities laws and regulations.

  • Form ADV & Brochure: Additional information about KDH Financial’s registration status, business operations, fee structures, and potential conflicts of interest is detailed in our Form ADV Part 2A Brochure and Form CRS (Client Relationship Summary). Copies of these regulatory documents are available upon request or via the SEC’s Investment Adviser Public Disclosure (IAPD) website.

  • Geographic Restrictions: The information on this Site is intended solely for residents of jurisdictions where KDH Financial is registered or exempt from registration. Nothing on this Site constitutes an offer to sell or a solicitation of an offer to buy securities or advisory services in any jurisdiction where such offer, solicitation, or provision would be unlawful.

4. Intellectual Property Rights

The Site and its entire contents, features, and functionality—including but not limited to all information, text, graphics, logos, icons, images, audio, video, software, layout, and design—are owned by KDH Financial, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

  • Permitted Use: You may view, download, and print pages from the Site for your personal, non-commercial use only.

  • Prohibited Use: You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Site without the prior written consent of KDH Financial.

5. User Conduct & Prohibited Uses

You agree to use the Site only for lawful purposes and in accordance with these Terms. You agree not to:

  • Use the Site in any way that violates applicable federal, state, local, or international laws or regulations.

  • Transmit or upload any harmful code, viruses, Trojan horses, worms, or other malicious software.

  • Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Site, the server on which the Site is stored, or any server, computer, or database connected to the Site.

  • Use any robot, spider, scraper, or other automated means to access the Site for any purpose without our express written permission.

  • Impersonate or attempt to impersonate KDH Financial, a KDH Financial employee, another user, or any other person or entity.

6. Third-Party Links & Content

This Site may contain links to third-party websites, tools, or resources that are not owned or controlled by KDH Financial. These links are provided solely for your convenience. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any third-party websites linked to this Site, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.

7. Electronic Communications & Submissions

Any communications sent to KDH Financial via website contact forms, email, or digital chat options are non-confidential unless otherwise governed by an existing formal Advisory Agreement or our Privacy Policy.

  • Do Not Send Unsolicited Confidential Information: Please do not transmit sensitive personal financial data (such as Social Security Numbers, account credentials, or wire instructions) through unencrypted web forms.

  • No Trade Execution: KDH Financial does not accept buy or sell orders, transaction instructions, or account changes via web forms or unverified email.

8. Disclaimer of Warranties

THE SITE AND ALL CONTENT, MATERIALS, AND SERVICES PROVIDED ON OR THROUGH THE SITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

KDH FINANCIAL DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, FITNESS FOR A PARTICULAR PURPOSE, FREEDOM FROM COMPUTER VIRUSES, AND WARRANTIES ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR ACCURATE.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL KDH FINANCIAL, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF, OR INABILITY TO USE, THE SITE, ANY WEBSITES LINKED TO IT, OR ANY CONTENT ON THE SITE, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE), EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

10. Indemnification

You agree to defend, indemnify, and hold harmless KDH Financial, its officers, directors, employees, contractors, agents, licensors, and suppliers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms or your use of the Site.

11. Governing Law & Jurisdiction

All matters relating to the Site and these Terms, and any dispute or claim arising therefrom or related thereto, shall be governed by and construed in accordance with the laws of the [Insert State, e.g., State of California], without giving effect to any choice or conflict of law provision or rule.

Any legal suit, action, or proceeding arising out of, or related to, these Terms or the Site shall be instituted exclusively in the federal or state courts located in Tampa, Florida

12. Changes to the Terms of Use

We may revise and update these Terms from time to time in our sole discretion. All changes are effective immediately when we post them on the Site. Your continued use of the Site following the posting of revised Terms means that you accept and agree to the changes.

13. Severability

If any provision of these Terms is held by a court of competent jurisdiction to be invalid, illegal, or unenforceable, such provision shall be eliminated or limited to the minimum extent necessary so that the remaining provisions of the Terms will continue in full force and effect.

14. Contact Information

If you have any questions, concerns, or requests regarding these Terms of Use or the Site, please contact us at:

KDH Financial

Attn: Compliance Department

Address: TAMPA OFFICE 1511 N. Westshore Blvd Suite 680 Tampa, FL 33607

Email: info@kdhfinancial.com

Phone: +1 813 445 5166