You must agree to the following Application Terms of Use and Privacy Policy to use the website. Please scroll to the bottom of the terms of use in order to accept or decline.

 

Application Terms of Use

Effective Date: 07/10/2025

This Application Terms of Use (these “Terms”) is a legal agreement between you, the end user, and Independent Investing LLC., (collectively, “Independent Investing”). The terms “you”, “your”, and “I” herein refer to, as applicable, the individual or organization accepting these Terms. If you are representing your organization, you are accepting these Terms for yourself and on behalf of your organization. You represent that you have full authority to bind your organization to these Terms and agree on behalf of your organization that it is responsible for all access to and use of the Application by end users who obtain access to the Application through your organization. You and your organization acknowledge and agree that Independent Investing has relied on the foregoing representation in permitting you and your organization’s end users to access and use the Application. PLEASE READ THE FOLLOWING TERMS CAREFULLY BEFORE ACCESSING OR USING THE APPLICATION OR THE https://independentinvesting.us/ WEBSITE.

Independent Investing makes available its services and related technology under an agreement with its customer (the “Customer Agreement”) and, pursuant to such Customer Agreement and subject to these Terms, may make available certain of those services and technology to you. You acknowledge and agree that the Customer Agreement is solely for the benefit of Independent Investing and its customer and that neither you nor any investor, advisor, or other person or entity, is a beneficiary, intended or otherwise, of the Customer Agreement.

By clicking the “Accept” button or accessing or using Independent Investing’s then-current version of the proprietary Excel download application located at https://independentinvesting.us/ (or such other internet address as Independent Investing may designate from time-to-time) (the “Application”) in any way, including without limitation, downloading any Excel files, using any information, submitting any content, personal information, or credit card information via the Application, you agree to and are bound by the terms, conditions, policies, and notices contained in these Terms, including without limitation conducting this transaction electronically, third party terms and conditions, disclaimers of warranties, damage and remedy exclusions and limitations, and the choice of Kentucky law, without regard to its conflicts of laws principles. Independent Investing may modify these Terms from time to time and may notify you of such modifications by any reasonable means, including by posting the revised Terms on the Application. Any such modification will not apply to any dispute between you and us arising prior to the date on which we posted the revised Terms incorporating such modifications, or otherwise notified you of such changes. Please review the “Last Updated” legend at the top of these Terms to see when these Terms were last revised. Updates that are (i) required by law, government authorities, or regulatory bodies, (ii) required by vendors, or (iii) do not materially impact your use of the Application will apply immediately. All other changes to these Terms will become effective three (3) business days after the revised Terms have been posted on the Application. Your continued access to or use of the Application following these changes means that you accept the revised Terms.

If you do not want to agree to these Terms, you should click the “Decline” button and immediately cease your access and use of the Application and the https://independentinvesting.us/ website.

  1. Grant of License

In exchange for your agreement to these Terms and, where applicable, payment of subscription fees via credit card for monthly or yearly subscriptions, Independent Investing grants you a limited, non-exclusive, non-transferable, revocable license, without right of sublicense, to use the Application solely in the United States and solely for your own personal, non-commercial, informational purposes, subject to the terms of any applicable agreement between you and Independent Investing. You agree that you shall only use the Application in a manner that complies with all applicable laws in the jurisdictions in which you use the Application, including, but not limited to, applicable restrictions concerning privacy, copyright, and other intellectual property rights. As used herein, the term Application also means Excel files, interactive tools, quotes, data concerning financial markets, securities, and other subjects, some of which is supplied by third-party companies and/or affiliates of Independent Investing (collectively or individually, as applicable, “Third Party Content”). You acknowledge that information, materials, products, and/or Third Party Content made available on the Application are subject to change at any time and without notice. You also acknowledge that Independent Investing may from time-to-time add or remove beta or other features within the Application without notice, and the use of or access to any added feature shall be governed by these Terms, provided that the use of any beta feature is at your own risk, if and for so long as available. All beta features are provided on an “AS IS” basis, and Independent Investing makes no warranties and disclaims all liability, direct or indirect, with respect to any and all such beta features.

Under these Terms, you may not and you may not allow others to:

Transfer your license to use the Application or sublicense or assign your license or your rights under it;

Use, download, copy, or transfer the Application or parts of the Application, including Excel files, except as expressly permitted under these Terms;

Distribute, rent, sell, loan, lease, sublicense, or otherwise deal in the Application and/or any elements of the Application;

Alter, adapt, merge, modify, translate, or create derivative works of the Application or any elements of the Application, including Excel files, in any way, or for any purpose, other than with the prior written consent of Independent Investing;

Reverse engineer, disassemble, or de-compile the Application or otherwise attempt to obtain or perceive the source code for the Application;

Remove, change, or obscure any identification marks or notices of proprietary rights and restrictions in the Application or any elements of the Application;

Enable any timesharing or service bureau use of the Application to or on behalf of any third party;

Use the Application in any manner that could damage, disable, overburden, or impair any Independent Investing network or server or for any unlawful or unauthorized purpose;

Attempt to gain unauthorized access to other accounts, computer systems, or networks connected to any Independent Investing server or to any of the Application through hacking, password mining, or any other means;

“hack”, “crack”, or “attack” the Application or any firewall, security mechanism, or digital rights management system within or relating to the Application, including, without limitation, websites or servers;

Attempt to obtain or obtain any materials or information through any means not intentionally made available through the Application;

Perform, or release the results of, benchmark tests or other comparisons of the Application with other services;

Use the Application in a way that is illegal or otherwise harmful, including, without limitation, in a manner that might be libelous or defamatory or otherwise malicious, or harmful to any person or entity, or discriminatory based on race, sex, religion, nationality, disability, sexual orientation, age, or otherwise objectionable, or

Redistribute, copy, reproduce, or disseminate to any person any information or content, including without limitation the Third Party Content, without Independent Investing’s prior written consent.

You authorize and grant (and you have obtained any necessary third-party rights, consents, waivers, and/or approvals and provided any required notices to make such authorization and grant) to Independent Investing and its vendors the royalty-free right to collect, process, create, receive, store, access, track, aggregate, audit, reproduce, transmit, transfer, distribute, display, convert, and/or otherwise use your (i) data, including credit card information provided for subscriptions, for the purposes contemplated by these Terms and the Application; (ii) Usage Data and Relationship Data (as such terms are defined below) to deliver, monitor, and manage services, provide support, improve service offerings, offer other services, for internal analysis purposes, and as otherwise contemplated by the Independent Investing Data Use Statement available at https://independentinvesting.us/#privacy; and (iii) Aggregate Data for any purpose. You agree that Independent Investing and its vendors may use your data, Usage Data, and Relationship Data to generate Aggregate Data, provided that any Aggregate Data that identifies you shall be used solely to deliver and manage services, provide support, improve service offerings, offer other services, for internal analysis purposes, and as otherwise contemplated by the Independent Investing Data Use Statement. “Usage Data” means information about you and your usage of the Application, such as access and usage data (including without limitation user’s IP address, time stamps, clickstream information, and details of activity on the Application), system performance data, and other information related to software and hardware used by you. “Relationship Data” means information that Independent Investing collects during the registration, activation, and maintenance of your account. Such information may include, without limitation, your name, contact details, or credit card information used for monthly or yearly subscriptions. “Aggregate Data” means any data that has been aggregated in a manner that does not contain any personally identifiable information.

You shall be solely responsible for the accuracy, completeness, timeliness, quality, integrity, backup, archives, legality, reliability, and appropriateness of data you submit through the Application, including credit card information for subscriptions.

You are solely responsible for maintaining compatible devices used to access the Application, and any Internet and network access, and all charges related thereto. You shall select, protect, and maintain a username and password in accordance with Independent Investing’s instructions and published procedures. You will at all times be responsible for maintaining the security of, and any access to or use of, your username and password. You accept and acknowledge that you will be responsible for all activities that occur under your username, including dealings with third parties that take place through the Application, and you will hold Independent Investing harmless from any claims related to such activities. You shall promptly notify Independent Investing of any loss, theft, or unauthorized use of your password of which you become aware. Independent Investing and its vendors shall not be responsible or liable for the deletion, destruction, damage, loss, or failure to store any data uploaded or submitted to the Application, including credit card information.

  1. No Financial or Investment Advice

None of the information contained in the Application, including Excel downloads, is to be construed as investment advice, nor should it be used by others in connection with any sale, offer for sale, or solicitation of an offer to buy securities or any other instruments. The materials and information present through the Application are for informational purposes only and are not an offer or recommendation to buy or sell or a solicitation of an offer to buy any security or instrument or to participate in any particular trading strategy. Independent Investing provides you with access to a variety of resources, including, but not limited to, information, content, tools, and Excel downloads. You are solely responsible for determining whether any investment, investment strategy, security, or related transaction is appropriate for you and/or your clients based on your clients’ personal investment objectives, financial circumstances, and risk tolerance. You should consult your financial, legal, or tax professional regarding your specific situation.

Independent Investing is not acting as a fiduciary or endorsing any company, products, services, or securities by publishing any information contained on this Application. We do not warrant or guarantee the accuracy or timeliness of any such information or data and disclaim all liability for investment or other decisions based upon this information. Independent Investing specifically disclaims any and all liability or loss arising out of any action taken in reliance on this information, including but not limited to market value loss on the sale or purchase of securities or other instruments or obligations.

Past performance is not indicative of future results. This material is not financial advice or an offer to sell any product. Not every client’s account will have these exact characteristics, and the asset size and holdings of your account may vary from the sample portfolio that is shown. The actual characteristics with respect to any particular client account will vary based on a number of factors including but not limited to: (i) the size of the account; (ii) investment restrictions applicable to the account, if any; and (iii) market exigencies at the time of investment. Independent Investing LLC (“Independent Investing”) reserves the right to modify its current investment strategies and techniques based on changing market dynamics. The information provided in this report should not be considered a recommendation to purchase or sell any particular security. It should not be assumed that any of the securities, transactions, holdings or sectors discussed were or will prove to be profitable, or that the investment recommendations or decisions we make in the future will be profitable or will equal the investment performance of the securities discussed herein.

Section 202(a)(11)(D) of the Advisers Act excludes from the definition of an investment adviser a “publisher of any bona fide newspaper, news magazine or business or financial publication of general and regular circulation.” The United States Supreme Court has interpreted this “publisher’s exclusion” to include publications that offer impersonal investment advice to the general public on a regular basis. To qualify for the section 202(a)(11)(D) exclusion, the publication must be: (1) of a general and impersonal nature, in that the advice provided is not adapted to any specific portfolio or any client’s particular needs; (2) “bona fide” or genuine, in that it contains disinterested commentary and analysis as opposed to promotional material; and (3) of general and regular circulation, in that it is not timed to specific market activity or to events affecting, or having the ability to affect, the securities industry.

  1. Certain Third Party Terms

Third Party Content (including, but not limited to, financial data, market quotes, or analytical tools included in Excel downloads) is available through the Application. The Third Party Content is protected by copyright pursuant to United States laws and international treaties, is owned or licensed by the applicable Third Party Content provider(s), is subject to supplemental third-party terms set forth at the end of these Terms (See Supplemental Terms), and, for certain Third Party Content, is subject to additional terms between you and such Third Party Content providers as set forth through the Application or as directed by such Third Party Content providers (“Additional Third Party Terms”). Any use, purchase, or license by you of such Third Party Content (including, but not limited to, any exchange of data with such third parties) is between you and such Third Party Content providers, and any terms, conditions, warranties, or representations associated therewith are solely between you and such Third Party Content providers. Independent Investing does not endorse any sites on the Internet, materials, or products and services that are linked through the Application; and you are solely responsible for all dealings with such Third Party Content providers. You acknowledge and agree that if you instruct, whether directly or indirectly, Independent Investing to exchange your data (including without limitation, your Confidential Information, Relationship Data, Aggregate Data, and Usage Data) with any Third Party Content providers (the “Authorization”), Independent Investing will do so and the obligations to protect and restrict the use of such data will be between you and such Third Party Content providers. The Authorization shall remain in full force and effect until it is expressly revoked in writing by you and received by Independent Investing, and Independent Investing has a reasonable opportunity to act upon said revocation. The exchange of your data with applicable Third Party Content providers may be undertaken manually or via automatic importing and exporting of data from or through, or sent to, the Application or other systems available via the Application. You have all requisite permission, consents, and authorization to direct and allow such exchange of your data through your use of the Application with such Third Party Content providers and that such exchange is consistent with your privacy policy. You further acknowledge and agree that the integration and availability, timeliness, completeness, correct sequencing, and accuracy of data received from or through, or sent to, the Application or other systems available via the Application is dependent on the system of origin and that you have direct access to those systems, and Independent Investing is not responsible for reviewing and cannot verify or guarantee the accuracy, adequacy, timeliness, appropriateness, or completeness of the data, and Independent Investing will not be responsible for your reliance on or use of the data. You agree that under no circumstances will you hold Independent Investing or its vendors liable for any loss or damage caused by your use of or reliance on Third Party Content. You acknowledge and agree that the Third Party Content licensed to Independent Investing is subject to automatic termination, in whole or in part, without liability on the part of Independent Investing upon the discontinuation or termination of the provision thereof to Independent Investing. You also acknowledge and agree that in the event a Third Party Content provider modifies its systems, the connectivity from the Application or other systems available via the Application to such Third Party Content provider may cease to function, and you will not hold Independent Investing or its vendors liable for any loss or damage resulting therefrom.

Third Party Content is provided “AS IS”, “AS AVAILABLE”, AND “AT YOUR OWN RISK”. You bear all risks associated with your use of or reliance on Third Party Content. These Terms only govern your relationship with Independent Investing and unless expressly set forth herein do not affect your legal relationship with such Third Party Content providers.

YOU AGREE AND ACKNOWLEDGE THAT TO THE EXTENT ANY TERMS UNDER THIS SECTION 3 (CERTAIN THIRD PARTY TERMS) CONFLICT WITH ANY TERMS FROM THE AGREEMENT, SUCH TERMS SHALL OVERRIDE ANY CONFLICTING TERMS FROM THE AGREEMENT, OR ANY OTHER AGREEMENT BETWEEN YOU AND INDEPENDENT INVESTING.

  1. Data Use Statement

You agree that any information you provide to Independent Investing in connection with your use and access of the Application and the https://independentinvesting.us/ website, including credit card information for monthly or yearly subscriptions, shall be governed by Independent Investing’s data use statement located at https://independentinvesting.us/#privacy (or such other internet address as Independent Investing may designate from time-to-time) (the “Independent Investing Data Use Statement”), which is incorporated into these Terms by reference. Any information you provide to Third Party Content providers shall be governed by the applicable Additional Third Party Terms.

  1. Confidentiality

By virtue of these Terms, either party may have access to Confidential Information, which is defined herein as including without limitation the Website, Application, Excel downloads, Third Party Content, client account information (including, but not limited to, nonpublic personally identifiable information, credit card information, and account positions), and proprietary information of Independent Investing that is designated as confidential or that reasonably should be understood to be confidential given the nature of the information and the circumstances of disclosure. Except as expressly permitted herein, you may not allow access to, use, or disclosure of, Independent Investing’s, its affiliates’, or their suppliers’ Confidential Information to third parties. You hereby authorize Independent Investing to provide your data, including credit card information, to (i) third-party partners, vendors, custodians, and agents engaged and/or used by Independent Investing; and (ii) affiliates of Independent Investing to perform the services contemplated hereunder, including processing subscription payments.

Independent Investing will maintain physical, electronic, and procedural safeguards reasonably designed to: ensure the security and confidentiality of client account information, including credit card information, stored in the Application and protect against anticipated threats or hazards to or unauthorized access to or use of such account information.

  1. Termination

Your rights to use and access the Application may be suspended or terminated automatically, without notice or refund, if you fail to comply with any of these Terms or those of the Agreement (as defined in Section 18), including without limitation the failure to pay any subscription fees due to Independent Investing via credit card for monthly or yearly subscriptions. Furthermore, notwithstanding anything to the contrary herein or in the Agreement, if applicable, you agree that Independent Investing may (without limiting any other rights or remedies available to Independent Investing) immediately and without notice to you, access, disable, or remove data, halt internet traffic or communications to or from all servers or workstations containing data or to any service, or take any other actions that Independent Investing determines, in its sole discretion, may be necessary: (i) to respond to an actual or suspected security threat or to limit a party’s potential exposure as a result of a security threat; (ii) to respond to service or technical problems or as requested by you; (iii) to comply with applicable laws and/or requests from government authorities and regulatory bodies, or where your use of the Application causes Independent Investing to be in violation or potential violation of laws, regulations, or government or regulatory body requirements; or (iv) to respond to actual or suspected fraudulent or other illegal activity or to prevent actions that may compromise the integrity, performance, or security of the Application or any Independent Investing service. These Terms also will terminate automatically and your access to the Application will be terminated without notice if you become bankrupt, go into liquidation, suffer or make any winding up petition, make an arrangement with your creditors, have an administrator, administrative receiver, or other receiver appointed, or if you suffer or file any similar action in consequence of debt. In the event these Terms expire or are terminated, certain provisions in Sections 1-18, which by their nature, are intended to survive expiration or termination (including, but not limited to, disclaimers, restrictions, liability, and indemnity obligations) shall survive.

  1. Disclaimer of Warranties

INDEPENDENT INVESTING AND ITS LICENSORS AND SUPPLIERS ARE PROVIDING THE APPLICATION TO YOU “AS IS” WITHOUT WARRANTY OF ANY KIND. INDEPENDENT INVESTING AND INDEPENDENT INVESTING’S LICENSORS AND SUPPLIERS MAKE NO WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY REGARDING OR RELATING TO THE APPLICATION, INCLUDING EXCEL DOWNLOADS, PROVIDED TO YOU UNDER THESE TERMS. INDEPENDENT INVESTING EXPRESSLY AND SPECIFICALLY DISCLAIMS ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, RESULTS, WORKMANLIKE EFFORT, COURSE OF DEALING, TITLE, NONINFRINGEMENT, ACCURACY, TIMELINESS, OR COMPLETENESS OF THE APPLICATION AND WITH RESPECT TO THE USE OF THE APPLICATION OR THAT DEFECTS, IF ANY, IN THE APPLICATION WILL BE CORRECTED.

No employee, agent, representative, or affiliate of Independent Investing has authority to bind Independent Investing to any oral representations or warranty concerning the Application. Any written representation or warranty made by an employee, agent, representative, or affiliate of Independent Investing that is not contained in these Terms will not be enforceable.

  1. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, INDEPENDENT INVESTING AND ITS SUPPLIERS AND LICENSORS SHALL NOT BE LIABLE, UNDER ANY CONTRACT, NEGLIGENCE, STRICT LIABILITY, OR OTHER LEGAL OR EQUITABLE THEORY FOR ANY OF THE FOLLOWING, HOWEVER CAUSED AND WHETHER ARISING UNDER CONTRACT OR TORT, INCLUDING NEGLIGENCE OR OTHERWISE: LOSS OF BUSINESS, LOSS OF REPUTATION, LOSS OF PROFITS OR GOODWILL, LOSS OF USE, LOSS OR DAMAGE TO OR CORRUPTION OF DATA, THE UNAUTHORIZED DISCLOSURE OF SENSITIVE, VALUABLE, OR CONFIDENTIAL INFORMATION, ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES ARISING FROM THE APPLICATION, THE THIRD PARTY CONTENT, OR YOUR USE OF THE APPLICATION OR THIRD PARTY CONTENT, AND/OR ANY COSTS OF PROCURING SUBSTITUTE GOODS, APPLICATION, TECHNOLOGY, OR RIGHTS. THIS LIMITATION SHALL APPLY EVEN IF A PARTY HAS BEEN ADVISED IN ADVANCE OF THE POSSIBILITY OF SUCH DAMAGES, IN EITHER CASE CAUSED BY, RESULTING FROM, OR RELATING TO THE USE OF OR INABILITY TO USE THE APPLICATION.

YOU ACKNOWLEDGE AND AGREE THAT THE COMMERCIAL AND ECONOMIC TERMS UPON WHICH INDEPENDENT INVESTING AGREES TO LICENSE THE APPLICATION HAVE BEEN CONDITIONED TO A SUBSTANTIAL EXTENT BY THE ABILITY OF INDEPENDENT INVESTING TO MAKE AND ENJOY THE FULL PROTECTION OF THE DISCLAIMERS AND LIMITATIONS OF LIABILITY SET FORTH IN THESE TERMS AND YOU AGREE, REPRESENT, AND CONFIRM THAT THE CONTENTS OF SECTIONS 6 AND 7 ARE FAIR AND REASONABLE.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF ANY EXCLUSION, DISCLAIMER, OR OTHER PROVISION CONTAINED IN THESE TERMS IS HELD TO BE INVALID FOR ANY REASON BY A COURT OF COMPETENT JURISDICTION AND INDEPENDENT INVESTING OR ITS LICENSORS OR SUPPLIERS BECOME LIABLE FOR LOSS OR DAMAGE THAT COULD OTHERWISE BE LIMITED, SUCH LIABILITY WHETHER IN CONTRACT, TORT, OR OTHERWISE, WILL NOT EXCEED THE AMOUNT ACTUALLY PAID BY YOU FOR THE APPLICATION OR $1,000.00, WHICHEVER IS LESS.

  1. Ownership

The Application, including Excel downloads, is owned exclusively by Independent Investing and/or its licensors. All rights, title, and interest in and to the Application, including without limitation any corrections, updates, enhancements, or modifications thereto (collectively, “Modifications”) whether made by you, Independent Investing, or any third-party, and you hereby assign to Independent Investing any rights in and to such Modifications. All copyright, trade secret rights, patent, trademark, and any other intellectual property or proprietary rights in and to the Application and Modifications shall at all times remain the exclusive property of Independent Investing and/or its licensors. All rights not expressly granted under these Terms are reserved by Independent Investing. No suggestions, feedback, enhancement requests, recommendations, or other disclosures related to the Application or other Independent Investing services (“Feedback”) made by you shall create any fiduciary or other obligation on the part of Independent Investing, and you hereby acknowledge and agree that such Feedback is not confidential. Independent Investing retains all right, title, and interest in the Feedback. You hereby grant Independent Investing the unconditional, irrevocable right to use, commercialize, and/or disclose any such Feedback as Independent Investing sees fit (including without limitation incorporating any such Feedback into the Application), without obligation of any kind.

If you are the owner of a copyrighted work and believe that your rights under U.S. copyright law have been infringed by any material on the Application, you may notify Independent Investing by sending Independent Investing’s designated agent a notification of claimed infringement that satisfies the requirements of Section 512(c)(3) of the U.S. Copyright Act. Notifications that do not comply with Section 512(c)(3) will not be considered.

  1. Indemnity

You hereby agree to indemnify and hold Independent Investing, its officers, directors, employees, agents, affiliates, and suppliers (collectively “Independent Investing Affiliates”) harmless from and against any and all damages, losses, liabilities, costs, expenses (including attorneys’ fees), or losses of any kind arising out of any and all claims, disputes, or actions (in each case, asserted, commenced, or threatened) in connection with the subject matter of, or in any way related to, these Terms, its formation, or the Application (including without limitation any information contained therein or used therewith, or any issues related to credit card payments).

  1. Remedies

You agree that if you violate or threaten to violate any of these Terms, Independent Investing and its licensors and suppliers will have no adequate remedy at law and will be entitled to immediate injunctive and other equitable relief, without bond and without the necessity of showing actual money damages, in addition to any other legal, equitable, or financial remedies to which Independent Investing or its licensors or suppliers may be entitled.

  1. U.S. Government Restricted Rights

As defined in FAR Section 2.101, DFAR Section 252.227-7014(a)(1), and DFAR Section 252.227-7014(a)(1) or otherwise, the Application is a “commercial item,” “commercial computer software,” and/or “commercial computer software documentation.” Consistent with DFAR Section 227.7202 and FAR Section 12.212, any use, modification, reproduction, release, performance, display, disclosure, or distribution of the Application by the U.S. government shall be governed solely by the terms of these Terms and shall be prohibited except to the extent expressly permitted herein.

  1. General

Failure by Independent Investing to enforce any particular term herein shall not be construed as a waiver of any of Independent Investing’s rights under it. If any part of these Terms is held by a court of competent jurisdiction to be unenforceable for any reason whatsoever, you and Independent Investing agree that the validity of the remainder of the terms will not be affected. The validity, interpretation, construction, and performance of these Terms shall be governed by the laws of the State of Florida, without giving effect to the principles of conflict of laws. Any action under these Terms or related to the Application shall be commenced solely and exclusively in the state or federal courts located in Georgetown, Kentucky. YOU HEREBY IRREVOCABLY WAIVE THE RIGHT TO TRIAL BY JURY IN ANY ACTION ARISING OUT OF OR RELATING TO THESE TERMS OR THE APPLICATION. You agree that you will not contest venue, and you waive any rights that you may have to initiate, transfer, or change the venue of any litigation arising from or related to these Terms. No variation, amendment of, or addition to these Terms shall be effective without Independent Investing’s prior written consent.

  1. Single Sign On

Independent Investing may make available a single sign-on functionality (“SSO Functionality”) to permit you to use the same password(s) to access: (i) Independent Investing service and product entitlements, including without limitation the Application (“II Environment”); (ii) your internal computing environment (“Your Internal Environment”); and/or (iii) your environment on third-party products, services, system(s), or software (“Your External Environment”). Collectively, the three preceding environments will be referred to herein as the “Environments”. To the extent that SSO Functionality is available for your Environments, you agree and accept the additional terms under this Section 14, and you will be responsible for obtaining all necessary rights to access and use such Environments via the SSO Functionality, and in ensuring compliance with your obligations hereunder and your agreement with third-party owners of Your Internal and External Environments. Independent Investing may provide your vendors (“Your Vendors”) with access to and use of your Environments (including any information stored therein, such as credit card information).

You hereby agree to indemnify and hold Independent Investing Affiliates harmless from and against any and all damages, losses, liabilities, costs, expenses (including attorneys’ fees), or losses of any kind arising out of any and all claims, disputes, or actions (in each case, asserted, commenced, or threatened) arising out of or in connection with, or in any way related to: (i) the SSO Functionality and your Environments (including any information stored therein); (ii) Independent Investing Affiliates’ actions authorized herein (including without limitation accessing, using, or displaying your information from the II environment in Your External Environment), (iii) Your Vendor access to the II Environment (including without limitation your information contained therein); or (iv) any claims of intellectual property infringement or breach of confidentiality that arise as a result of the SSO Functionality or Independent Investing Affiliates’ actions authorized herein; provided, that Independent Investing (a) promptly gives written notice of any such claim(s) to you; (b) gives you sole control of the defense and settlement of the claim(s) (provided that you shall not settle any such claim unless it unconditionally releases Independent Investing of all liability); and (c) provides to you, at your cost, all reasonable assistance.

Independent Investing makes no representations or warranties regarding your right or ability to use or access any Environment via the SSO Functionality and does not represent or warrant that your use of any Environment via the SSO Functionality will be uninterrupted, error-free, or will meet your requirements. You understand and agree that access to your Environments may be terminated or suspended by Your Vendor and that Independent Investing will not be liable for any claims as a result of such termination or suspension. In the event Your Vendor modifies Your External Environment or you modify Your Internal Environment, the SSO Functionality provided hereunder may temporarily cease to function as Independent Investing works with you or Your Vendor(s), as applicable, to update the SSO Functionality. You agree that Independent Investing is not obligated to monitor your use of the Environments.

You understand and agree that in the event (i) the Agreement, (ii) agreement that you have with Your Vendor, or (iii) agreement that Independent Investing has with Your Vendor, if any and as applicable, terminates, you will no longer have access to applicable Environment(s) or Your Vendors’ applicable interface(s) through which you receive Independent Investing’s data into Your External Environment (“Connectivity Products”). Independent Investing will not be liable to you for any claims resulting from such termination. In order to renew your license to the Connectivity Products, you must be current in your payments for the II Environment.

  1. Independent Investing Mobile Device Application

Independent Investing makes available advisor-level controlled access to the Application via mobile device(s) (the “Mobile Device Application”). By accessing the Application through the Mobile Device Application, you agree to be solely responsible for maintaining the secure use of the Mobile Device Application that resides on your mobile device. You shall use a password-enabled secure screen lock on your mobile device. When you use the Mobile Device Application, you shall maintain username and password in accordance with Independent Investing’s instructions and published procedures. You will at all times be responsible for maintaining the security, access, and/or use of your username and password used to access the Mobile Device Application. You acknowledge and agree that you will be solely responsible for all activities that occur within or originate from or arise out of the Mobile Device Application under your username, including, but not limited to, third-party connections. You shall promptly notify your organization’s administrator if your mobile device is lost or stolen. If you use the Mobile Device Application in a territory that is outside of the United States of America, you are solely responsible for compliance with any such territory’s regulations that govern the use of any and all mobile device applications, including, but not limited to, the transmission of data across territory borders that is personally identifiable, private, or confidential. You are solely responsible for all such cross-border data including upload and/or download of any data or documents, including Excel downloads, between your mobile device and the Independent Investing Application. You will hold Independent Investing harmless from any and all claims in connection with or arising from your breach of the terms hereunder.

  1. Acknowledgment

You acknowledge that these Terms have the same force and effect as a signed agreement.

  1. Entire Agreement

These Terms, and any written addendum or amendment signed by Independent Investing to these Terms, and if a written Master Subscription Agreement or Service Agreement, including any exhibits and data sheets thereto (collectively, the “Agreement”) is in effect between you and Independent Investing, are the entire agreement between you and Independent Investing with respect to the Application and supersede all previous communications, representations, understandings, and agreements, either oral or written, with respect to the Application or other subject matter covered by these Terms. To the extent of any conflict or inconsistency between the provisions of the body of these Terms and the Agreement, the terms of the Agreement shall prevail unless the provisions herein specifically state otherwise, in which case such provisions shall prevail.

  1. Supplemental Terms

These Supplemental Terms apply to certain Third Party Content that you may have access to through the (https://independentinvesting.us/) website (or such other internet address as Independent Investing may designate from time-to-time). Such Supplemental Terms are required by such Third Party Content providers. YOU AGREE AND ACKNOWLEDGE THAT TO THE EXTENT ANY SUPPLEMENTAL TERMS CONFLICT WITH ANY TERMS FROM THE AGREEMENT, SUCH SUPPLEMENTAL TERMS SHALL OVERRIDE ANY CONFLICTING TERMS FROM THE AGREEMENT, OR ANY OTHER AGREEMENT BETWEEN YOU AND INDEPENDENT INVESTING.

Privacy Policy

Effective Date: 07/10/2025

Independent Investing LLC. (“Independent Investing”, “we”, “us”, or “our”) is committed to respecting and protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit https://independentinvesting.us (the “Site”) and use any of our services, tools, or applications (the “Services”).

By using our Site or Services, you agree to the terms of this Privacy Policy and our Terms of Use.

1. Information We Collect

We collect several types of information, including:

A. Personal Information You Provide Directly..
Name, email address, mailing address, phone number.
Payment and billing details (processed through a third-party vendor).
Account login credentials (username/password).

B. Automatically Collected Information..
IP address, browser type, operating system, referral URLs.
Clickstream data and time spent on pages.
Usage analytics via cookies and similar technologies.

C. Third-Party Data..
If you link or use third-party services (like financial data providers), we may receive information from those services consistent with your privacy settings.

2. How We Use Your Information

We use your information to:

Provide, operate, and maintain our Site and Services.
Process payments and subscriptions.
Personalize your experience.
Respond to inquiries and provide support.
Analyze how users interact with our Site to improve offerings.
Enforce our Terms of Use and comply with legal obligations.
We may also use aggregate or de-identified information for internal research or commercial purposes.

3. Sharing and Disclosure

We may share your information with:

Vendors and Service Providers: Payment processors, data hosting providers, analytics vendors, etc.
Third-Party Content Providers: As outlined in our Terms of Use when you choose to integrate or access third-party tools.
Legal Obligations: If required to comply with laws or respond to lawful requests.
Business Transfers: In the event of a merger, acquisition, or sale of assets.
We do not sell your personal information to third parties.

4. Cookies and Tracking Technologies

We use cookies and similar technologies for:

Website functionality.
Traffic analytics.
Storing user preferences.
You can manage cookie settings through your browser, but disabling cookies may impact your experience.

5. Your Privacy Choices

Depending on your location, you may have the right to:

Access, correct, or delete your personal data.
Opt out of certain data uses.
Withdraw consent where applicable.

For requests, email us at: [email protected]
If you’re a California resident, you may exercise rights under the CCPA. If you’re in the EU or UK, your rights under the GDPR apply.

6. Data Security

We maintain industry-standard physical, electronic, and procedural safeguards to protect your data, including encryption, secure servers, and access controls.
However, no method of transmission over the Internet is 100% secure. We cannot guarantee absolute security.

7. Data Retention

We retain personal data only as long as necessary for business, legal, or regulatory reasons. This typically includes:

As long as your account is active.
For the duration required by financial or tax laws.
To resolve disputes and enforce agreements.

8. Children’s Privacy

Our services are not directed to individuals under 18. We do not knowingly collect personal information from children.

9. International Data Transfers

If you access the Site from outside the United States, you understand and agree that your data may be transferred to and processed in the U.S. where privacy laws may not offer the same level of protection as in your country.

10. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we’ll revise the “Effective Date” above. Material changes will be posted prominently on our Site.

11. Contact Us

If you have any questions about this Privacy Policy or your data, please contact:

Independent Investing LLC
Email: [email protected]
Website: https://independentinvesting.us