Effective Date: January 1, 2026

1. Introduction

Welcome to Zand & Hayes LLC (“Company,” “we,” “our,” or “us”). By accessing or using our website,

you agree to be bound by these Terms of Service.

2. Use of Website

This website is provided for informational purposes only. You agree not to misuse the website or

attempt unauthorized access to systems or data.

3. No Investment Advice

All content is for general informational purposes and does not constitute financial, legal, or investment

advice. Any real estate investments involve risk.

4. Intellectual Property

All content, logos, text, and materials are the property of Zand & Hayes LLC and may not be

reproduced without written permission.

5. Third-Party Links

We may provide links to third-party websites. We are not responsible for the content or practices of

those sites.

6. Limitation of Liability

Zand & Hayes LLC shall not be liable for any damages arising from the use or inability to use this

website.

7. Governing Law

These Terms are governed by the laws of the State of North Carolina, United States.

8. Contact Information

For questions regarding these Terms, contact: [email protected]