Terms of Use
TERMS OF USE
These Terms of Use ('' Terms ”) apply to your use of all the mobile applications, products, software, services, websites and other services (collectively, the “Service”) operated by Grifin, LLC, a Florida limited liability company, its parent company, Interest Investments, Inc., a Delaware Corporation (the ”Parent”), the registered investment advisor (the “RIA”) Interest Financial, LLC, or any of its or the Parent’s or the RIA’s current or future subsidiaries, affiliates, service providers, vendors, successors or assigns, (collectively, “we”, “us” or “our”). When we refer to the Service, we also mean any portion, aspect or feature of our services or the Service. The words “you”, “your'' and “yours” refer to you as the user of the Service. You can accept the Terms by: (a) clicking to accept or agree to the Terms, where this option is made available to you in the user interface for the Service; or (b) simply using the Service. In this case, you understand and agree that we will treat your use of the Service as acceptance of the Terms from that point onwards. By visiting or using the Service, you acknowledge and agree that you accept these Terms. Continued use of the Service constitutes your acceptance of any revisions to these Terms.
Additional Agreements and Disclosures
Additional agreements and/or disclosures apply with respect to your access to and use of the Service generally or certain products and services that are accessed via the Service through, without limit, the RIA and third party providers such as Alpaca Securities LLC and Apex Clearing Corporation (the “Brokers”) and Plaid, Inc. Agreements such as the Advisory Agreement, the Wrap Fee Brochure, and/or other disclosures include without limitation the agreements and disclosures. The terms of such agreements and/or disclosures are incorporated into these Terms by reference, to the extent such terms do not conflict with these Terms. In the event of a conflict, the terms of such separate user agreement and/or disclosure will prevail with respect to such specific products or services.
Your access to the Service is also subject to terms of use, privacy and other agreements required by additional third party providers in connection with use of your device, telephone, wireless, your banking and credit institution, and other services.
Privacy Policy
Registration data and certain other information about you are subject to our privacy policy, the terms of which are incorporated into these Terms by reference.
Service Availability
We cannot guarantee that the Service will be available at all times. We will make reasonable efforts to maintain the Service. However, we do not warrant that (a) the Service will function uninterrupted, secure or available at any particular time or location or that the results that are obtained from the use of the Service will be accurate or reliable; (b) any errors or defects will be corrected; (c) the Service is free of viruses or other harmful components; or (d) the results of using the Service will meet your requirements. Use of the Service is at your own risk.
Technology Requirements
To access and use the Service electronically, you should have a functioning mobile device (such as a smartphone or tablet) on which you have installed our application. That application can be found for most mobile devices in the device’s respective “app store”. You can also access and use the Service with a personal computer equipped with a modem or other Internet access device. You are responsible for the selection, installation, maintenance and operation of your computer and mobile device, your telecommunications service provider, and your computer and mobile device software. We are not responsible for any errors, failures, or malfunctions of your mobile device and software or your telecommunications services. You are responsible for ensuring that your mobile device, software and telecommunications services are compatible with the Service. We reserve the right to change the system requirements for using the Service.
The Service will periodically automatically download and install software updates. These updates are designed to improve, enhance and further develop the Service and can take the form of bug fixes, enhanced functions, new software modules and completely new versions. You agree to receive such updates as part of your use of the Service.
Eligibility Criteria
We have the discretion to limit access to all or a portion of the Service to users who meet certain eligibility criteria. Identification of these eligibility criteria is in our sole discretion and is subject to change at any time. You are solely responsible for ensuring that your use of the Service is in conformance with applicable federal, state and local laws and regulations.
International Use
The Services provided by us are offered only in jurisdictions where it is legal to do so. The availability of Service over the Internet is not a solicitation for or offering of Services to any person in any jurisdiction where such solicitation or offering is illegal. We reserve the right to limit the availability of the Service to any person, geographic area, or jurisdiction, at any time and in our sole discretion.
We make no representation that the Service is appropriate or available for use in locations outside of the United States, or that accessing our website is legally permitted in countries or territories where the Service is deemed to be illegal. If you access the Service from other locations, you do so at your own risk and are responsible for compliance with local laws.
If you are located outside the United States, you consent to having your personal data transferred to and processed in the United States. If you are located in a country embargoed by the United States or if you are on the U.S. Treasury Department's list of Specially Designated Nationals, you will not engage in commercial activities on or through the Service.
Content
To the extent that the Service includes news and information, commentary, interactive tools, securities symbols and quotes, research reports and data concerning the financial markets, securities and other subjects (“Content’), companies that are not affiliated with us can supply some of the Content. The source of all third-party Content is clearly and prominently identified. We have not been involved in the preparation, adoption or editing of third party Content and we do not endorse or approve such Content.
The Content is for educational and illustrative purposes only and does not imply a recommendation or solicitation to buy or sell a particular security or to engage in any particular investment strategy. Certain tools published on the Service are designed to provide general information and guidance based upon your personalized input. The projections or other information regarding the likelihood of various investment outcomes are hypothetical in nature, are not guaranteed for accuracy or completeness, do not reflect actual investment results and are not guarantees of future results.
Testimonials are not necessarily representative of the experience of other clients and are not indicative of future performance or success. Paid testimonials will be identified as such.
You represent and warrant that: (i) the Content you post on the Service or otherwise share with us is yours (you own it) or you have the right to use it and grant us the rights and license as provided in these Terms, and (ii) the posting or sharing of your Content on or through the Service does not violate the privacy rights, publicity rights, copyrights, contract rights or any other rights of any person.
By posting or sharing Content on the Service or on third party sites (such as our social media pages), you agree that we are authorized to publish your Content in whole, or in part. We do not agree to post or share all Content received. We reserve the right to remove or modify any posting that is false, offensive, violates any law or the rights of third parties, violates these Terms, or is defamatory or duplicative.
Quotes and Market Data
If our Service provides access to market data and quotes, such market data and quotes are provided by a third party not affiliated with us. If market data and quotes are provided to you by a third party, your use of the marked data and quotes will be governed by the terms and conditions imposed by such third party.
Fractional Shares
We round the amount of fractional shares you can purchase and own in your account down to the nearest eight decimal places which can affect your ability to be credited for cash dividends, stock dividends and stock splits. Fractional shares are not transferable. If you close your account or transfer your account to another firm, the fractional share will need to be liquidated, resulting in potential commission charges which in some instances could match or exceed the value of the fractional share if less than our minimum commission.
Prohibited Uses
You are not allowed to:
- Use the Service for any illegal purpose, or any other purpose not permitted in these Terms;
- Use the Service or the Content or features for a commercial purpose;
- modify, copy, adapt or translate any part of the Service without our written permission;
- Reverse-engineer, decompile, create derivative works of, modify, disrupt, otherwise tamper or disassemble the technology we use to provide the Service or otherwise attempt to obtain our source code;
- Bypass, modify, defeat, reverse-engineer, disassemble, tamper with or circumvent any of the security features of the Service, including altering any digital rights management functionality of our Service;
- Impersonate another person or entity, misrepresent your affiliation with a person or entity (including us), or use a false identity;
- Use the login information of another person, unless they specifically authorized you to do so;
- Collect, manually or through an automatic process, information about other users or our Service;
- Submit false or misleading information to us or post Content that infringes on a third party’s intellectual property;
- Engage in any activity that interferes with any third party’s ability to use or enjoy, or our ability to provide the Service;
Tax and Legal Advice
The Service does not and is not intended to provide legal or tax advice. Consult a professional legal or tax advisor for advice regarding your specific situation.
Links To Other Websites
In some instances, our Service contains links to third-party websites or services that are not owned or controlled by us. We have no control over, and assume no responsibility for, the Content, privacy policies, or practices of any third party websites or services. You further acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services. We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.
Consent to Obtain Credit and Financial Information
You are giving us your express written consent to obtain consumer reports (including credit reports) about you and other information, including credit and employment information about you from one or more consumer reporting agencies (including credit bureaus) and to review and act on those reports and information. You authorize us to obtain reports from third parties concerning your financial situation, credit standing, business conduct or reputation. If requested to do so in writing, we will provide you with a copy of any such report. Where the law requires disclosure or if we believe disclosure is necessary for the conduct of our business, you authorize us to disclose nonpublic information about you.