<h2>Agreement to These Terms</h2><p>These Terms of Service govern your use of this website, operated by Zenith Investment Management ("Zenith," "we," "our," or "us"). By accessing or using the site, you agree to these terms. If you do not agree, please do not use the site.</p><h2>No Investment, Legal, or Tax Advice</h2><p>The content on this website is provided for general informational and educational purposes only. Nothing on this site constitutes investment advice, a recommendation, or an offer or solicitation to buy or sell any security. It does not take into account your particular objectives, financial situation, or needs.</p><p>Zenith provides personalized advice only to clients under a written advisory agreement. Nothing on this website creates an advisory relationship. We are not attorneys or accountants, and nothing here should be treated as legal or tax advice. Please consult qualified professionals before acting on anything you read here.</p><h2>No Guarantee of Results</h2><p>All investing involves risk, including the possible loss of principal. Past performance is not indicative of future results. Any references to strategies, retention rates, or asset levels are historical and are not a guarantee of future outcomes.</p><h2>Registration and Jurisdiction</h2><p>Zenith Investment Management is an independent Registered Investment Advisor. We conduct business only in states where we are registered or where an exemption from registration applies. This website is not an offer to provide advisory services in any jurisdiction where we are not authorized to do so.</p><h2>Acceptable Use</h2><p>You agree to use this website lawfully and not to:</p><ul><li>Interfere with or disrupt the site, its servers, or its security</li><li>Attempt to gain unauthorized access to any part of the site or related systems</li><li>Use automated tools to scrape, harvest, or collect information from the site</li><li>Submit false, misleading, or unlawful information through any form</li><li>Use the site or its content for commercial purposes without our written permission</li></ul><h2>Intellectual Property</h2><p>The content on this website, including text, graphics, logos, icons, and layout, is owned by Zenith or its licensors and is protected by applicable intellectual property law. You may view and print pages for personal, non-commercial use. Any other reproduction, distribution, or modification requires our prior written consent.</p><h2>Third Party Links and Services</h2><p>This website may contain links to third party sites, including account custodians and client portals. Those sites are outside our control. We provide the links for convenience and do not endorse or accept responsibility for their content, security, or practices.</p><h2>Communications</h2><p>Email and web forms are not secure channels. Please do not send account numbers, government identification numbers, or other sensitive information through this website or by unencrypted email. Instructions to buy or sell securities sent through this website will not be accepted or acted upon.</p><h2>Privacy</h2><p>Your use of this website is also governed by our Privacy Policy, which explains how we collect and handle personal information.</p><h2>Disclaimer of Warranties</h2><p>This website and its content are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied. We do not warrant that the site will be uninterrupted, error free, or free of harmful components, or that the information on it is complete, accurate, or current.</p><h2>Limitation of Liability</h2><p>To the fullest extent permitted by law, Zenith and its officers, employees, and affiliates will not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your access to or use of this website, or from reliance on any information it contains.</p><h2>Changes to the Site and These Terms</h2><p>We may modify, suspend, or discontinue any part of this website at any time. We may also revise these Terms of Service, with the updated version posted on this page. Continued use of the site after changes are posted constitutes acceptance of the revised terms.</p><h2>Governing Law</h2><p>These Terms of Service are governed by the laws of the State of Arizona, without regard to its conflict of law provisions.</p><h2>Contact Us</h2><p>Zenith Investment Management<br>Email: info@zenithim.com<br>Arizona: 602.680.9790<br>California: 858.716.7500</p><p>Last updated: August 26, 2026</p>