Terms of Use
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These Terms of Use (“Terms”) govern your access to and use of this website (the “Website”), which is owned and operated by Kennedy Kha Phan (“I,” “me,” or “my”). By accessing or using this Website, you agree to be bound by these Terms and all applicable laws and regulations. If you do not agree with any part of these Terms, you should not access or use this Website.
Ownership of Content
All information, text, graphics, images, logos, articles, and other materials made available through this Website (collectively, the “Content”) are the property of Kennedy Kha Phan or content providers and are protected by U.S. and international copyright, trademark, and intellectual property laws. All rights are reserved.
You may use the Content solely for your personal, non-commercial use. You may not reproduce, retransmit, distribute, publish, sell, license, broadcast, or otherwise exploit any Content without my prior written consent.
No right, title, or interest in any Content is transferred to you as a result of accessing or using this Website.
Permitted and Prohibited Use
You may download, print, or store limited portions of the Content for personal use only, provided that you:
- Do not modify or alter the Content in any way;
- Do not remove or change any copyright, trademark, or proprietary notices; and
- Do not copy, post, transmit, or distribute the Content on any website, network, or media platform.
You agree not to use this Website or its Content for creating, promoting, marketing, trading, or selling financial instruments, securities, or investment products without express written permission.
Informational Purpose Only / No Advice
The Content provided on this Website is for general informational and educational purposes only. Nothing on this Website constitutes investment, legal, tax, or accounting advice, nor does it constitute a solicitation or offer to buy or sell any securities or financial instruments.
Accessing or using this Website does not create an advisory, fiduciary, or client relationship between you and me.
Geographic and Regulatory Restrictions
The information on this Website is not intended for distribution to, or use by, any person or entity in any jurisdiction where such distribution or use would be contrary to applicable laws or regulations, or would subject me to any registration or licensing requirements in such jurisdiction.
Changes to These Terms
I reserve the right to modify, update, or replace these Terms at any time without prior notice. Your continued use of the Website after any changes are posted constitutes your acceptance of the revised Terms. You are encouraged to review this page periodically.
Disclaimer of Warranties
This Website and all Content are provided on an “as is” and “as available” basis. I make no warranties or representations of any kind, express or implied, regarding the operation of the Website or the accuracy, completeness, reliability, or usefulness of any Content.
I expressly disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.
I do not warrant that the Website will be uninterrupted, secure, timely, or error-free, or that any defects will be corrected.
Limitation of Liability
To the fullest extent permitted by law, Kennedy Kha Phan shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary damages arising from or related to your use of, or inability to use, this Website or its Content.
Your sole remedy for dissatisfaction with the Website or these Terms is to discontinue use of the Website.
Some jurisdictions do not allow limitations on certain damages, so some of the above limitations may not apply to you.
Third-Party Links
This Website may contain links to third-party websites for convenience or informational purposes. These links do not constitute an endorsement, sponsorship, or recommendation. I am not responsible for the availability, content, or practices of any third-party websites.
You access third-party websites at your own risk.
Privacy Policy
Your use of this Website is also subject to my Privacy Policy, which explains how personal information is collected, used, and protected.
User Conduct
You agree not to:
- Interfere with or disrupt the operation of the Website
- Attempt to gain unauthorized access to the Website or its systems
- Upload malicious code or engage in activity that compromises security
- Modify, alter, or misuse any Content without authorization
Any misuse may result in termination of access.
General Provisions
Entire Agreement. These Terms constitute the entire agreement regarding your use of this Website and supersede any prior agreements or understandings.
Severability. If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
Governing Law and Jurisdiction. These Terms shall be governed by and interpreted in accordance with the laws of the State of Iowa, without regard to conflict-of-law principles. You consent to the exclusive jurisdiction and venue of state or federal courts located in Iowa for any disputes arising under these Terms.