Terms and Conditions
Effective Date: 3/4/25

Welcome to VDB Wealth ("Company," "we," "our," or "us"). By accessing or using our website [VDBwealth.com] ("Website"), you agree to comply with and be bound by the following Terms and Conditions. If you do not agree with any part of these terms, please do not use our Website.

1. Use of the Website

• You must be at least 18 years old to use our Website.
• You agree to use our Website for lawful purposes only and not engage in any activity that may harm or disrupt the Website or its users.
• We reserve the right to refuse service or restrict access to the Website at our discretion.

2. Intellectual Property Rights

• All content, including text, graphics, logos, images, and software, is the property of VDB Wealth or its licensors and is protected by copyright, trademark, and other intellectual property laws.
• You may not reproduce, distribute, modify, or use any content from our Website without prior written permission.

3. Disclaimer of Financial Advice

• The content provided on this Website is for informational purposes only and should not be considered financial, investment, or legal advice.
• No content on this Website constitutes a solicitation, recommendation, or endorsement of any financial product or strategy.
• You should consult a qualified financial professional before making any investment decisions.

4. Limitation of Liability

• We do not guarantee the accuracy, completeness, or reliability of any information on the Website.
• VDB Wealth shall not be liable for any direct, indirect, incidental, or consequential damages arising from the use or inability to use our Website.
• We are not responsible for any losses due to unauthorized access to or alteration of your data.

5. Third-Party Links

• Our Website may contain links to third-party websites. These links are provided for convenience only, and we do not endorse or assume responsibility for any content or policies on external websites.
• We are not liable for any damages or losses incurred from interactions with third-party websites.

6. Privacy Policy

• Your use of our Website is also governed by our Privacy Policy.
• By using our Website, you consent to the collection and use of your information as described in our Privacy Policy.

7. Modifications to Terms

• We reserve the right to update or modify these Terms and Conditions at any time without prior notice.
• Changes will be posted on this page with an updated "Effective Date."
• Your continued use of the Website constitutes acceptance of any modifications.

8. Termination

• We may suspend or terminate your access to the Website without notice if you violate these Terms and Conditions.
• Any provisions that should survive termination, including disclaimers and limitations of liability, shall remain in effect.

9. Governing Law

• These Terms and Conditions shall be governed by and construed in accordance with the laws of Georgia.
• Any disputes arising from these Terms shall be resolved in the courts of Georgia.

10. Contact Us

If you have any questions about these Terms and Conditions, you can contact us at:

VDB Wealth
contact@vdbwealth.com

By using our Website, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.

11. Disclosures

WARRANTIES& DISCLAIMERS

There are no warrantiesimplied.

VDB Wealth is a registeredinvestment adviser located in Savannah, GA. VDB Wealth may only transactbusiness in those states in which it is registered, or qualifies for anexemption or exclusion from registration requirements. VDB Wealth’s web site islimited to the dissemination of general information pertaining to its advisoryservices, together with access to additional investment-related information,publications, and links. Accordingly, the publication of VDB Wealth’s web siteon the Internet should not be construed by any consumer and/or prospectiveclient as VDB Wealth’s solicitation to effect, or attempt to effecttransactions in securities, or the rendering of personalized investment advicefor compensation, over the Internet. Any subsequent, direct communication by VDBWealth with a prospective client shall be conducted by a representative that iseither registered or qualifies for an exemption or exclusion from registrationin the state where the prospective client resides. For information pertainingto the registration status of VDB Wealth, please contact the state securitiesregulators for those states in which VDB Wealth maintains a registrationfiling. A copy of VDB Wealth’s current written disclosure statement discussing VDBWealth’s business operations, services, and fees is available at the SEC’sinvestment adviser public information website – www.adviserinfo.sec.gov or from VDB Wealth upon writtenrequest. VDB Wealth does not make any representations or warranties as to theaccuracy, timeliness, suitability, completeness, or relevance of anyinformation prepared by any unaffiliated third party, whether linked to VDBWealth’s web site or incorporated herein, and takes no responsibility therefor.All such information is provided solely for convenience purposes only and allusers thereof should be guided accordingly.

This website and informationare provided for guidance and information purposes only.  Investments involve risk and unless otherwisestated, are not guaranteed.  Be sure tofirst consult with a qualified financial adviser and/or tax professional beforeimplementing any strategy.  This websiteand information are not intended to provide investment, tax, or legal advice.

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