Terms of Use

Please read these Terms of Use ("Terms") carefully before using the website keithdober.com operated by Keith Alan Dober ("we," "us," or "our"). By accessing or using our website, you agree to be bound by these Terms. If you do not agree, please discontinue use immediately.

1. Acceptance of Terms

By using this website, you represent that you are at least 18 years of age and have the legal authority to enter into these Terms. These Terms constitute a legally binding agreement between you and Keith Alan Dober.

2. Not Financial Advice

The information provided on this website is for general informational and educational purposes only. Nothing on this site constitutes personalized financial, investment, tax, or legal advice. All investment decisions should be made in consultation with a qualified financial professional and based on your individual financial situation, objectives, and risk tolerance.

Past performance of any investment is not indicative of future results. Investing involves risk, including the possible loss of principal.

3. Use of the Website

You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of others. You must not:

• Use the site in any way that violates applicable federal, state, or local laws or regulations
• Transmit any spam, unsolicited messages, or harmful software
• Attempt to gain unauthorized access to any portion of the website or its related systems
• Reproduce, duplicate, copy, sell, or exploit any portion of the website without express written permission
• Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the website

4. Intellectual Property

All content on this website — including text, graphics, logos, images, and software — is the exclusive property of Keith Alan Dober or its licensors and is protected by applicable intellectual property laws. You may not reproduce, modify, distribute, or create derivative works without prior written consent.

5. Regulatory Disclosures

Keith Alan Dober is a Registered Financial Advisor with CRD #2776563. Securities and advisory services are offered through Merrill Lynch, Pierce, Fenner & Smith Incorporated, a registered investment advisor and broker-dealer. Registration does not imply a certain level of skill or training.

Cryptocurrency and digital asset investments are speculative, highly volatile, and may not be suitable for all investors. These assets are not FDIC-insured and carry a significant risk of loss.

6. Third-Party Links

Our website may contain hyperlinks to third-party websites. These links are provided for your convenience only. We have no control over the content or practices of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

7. Disclaimer of Warranties

This website is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components.

8. Limitation of Liability

To the fullest extent permitted by law, Keith Alan Dober shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your access to or use of (or inability to access or use) the website or its content, even if we have been advised of the possibility of such damages.

9. Indemnification

You agree to defend, indemnify, and hold harmless Keith Alan Dober and his affiliates, officers, agents, and employees from and against any claims, liabilities, damages, judgments, awards, losses, costs, or expenses arising out of or related to your violation of these Terms or your use of the website.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms shall be brought exclusively in the federal or state courts located in Ocean County, New Jersey.

11. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to this page with an updated effective date. Your continued use of the website after any changes constitutes your acceptance of the revised Terms.

12. Contact Us

If you have any questions about these Terms, please contact us at:

• Email: keith.dober@keithdober.com
• Address: 200 Clifton Ave, Lakewood, NJ 08701