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Terms of Service

Welcome to PortfolioIndependent. Please read these Terms of Service (“Terms”) carefully before using our website or any of our associated domains (the “Service”).

1. Interpretation and Definitions

The words with initial letters capitalized have meanings defined under the following conditions. For the purposes of these Terms of Service:

2. Acknowledgment

These Terms govern your use of the Service and form an agreement between You and the Company. By accessing or using the Service, You agree to be bound by these Terms. You represent that you are over the age of 18. The Company does not permit those under 18 to use the Service.

3. Links to Other Websites

Our Service may contain links to third-party websites or services not owned or controlled by us. We assume no responsibility for their content, privacy policies, or practices.

4. Termination

We may terminate or suspend Your access immediately, without prior notice or liability, for any reason, including if You breach these Terms.

5. Limitation of Liability

To the maximum extent permitted by law, the Company’s total liability shall be limited to the amount You paid through the Service, or 100 USD if no purchase was made.

6. “AS IS” and “AS AVAILABLE” Disclaimer

The Service is provided “AS IS” and “AS AVAILABLE”, without warranties of any kind, whether express or implied.

7. SMS Text Messaging Consent

7.1 Program Description

PortfolioIndependent may send SMS messages including account notifications, order updates, and marketing messages such as updates and promotions.

7.2 TCPA Consent

By providing your phone number and opting in, you give prior express written consent under the Telephone Consumer Protection Act (47 U.S.C. § 227) to receive automated and/or prerecorded messages.

7.3 Consent Not Required

Consent is not a condition of purchase.

7.4 Message Frequency

Message frequency varies. Marketing messages are sent up to 4 per month.

7.5 Message & Data Rates

Standard message and data rates may apply.

7.6 Opt-Out

You may opt out at any time by replying STOP or by contacting: Juanita.Jimenez@portfolioindependent.com. Requests are processed within 10 business days.

7.7 Support

Reply HELP or contact Juanita.Jimenez@portfolioindependent.com

7.8 Data Use

We do not sell or share SMS opt-in data with third parties for marketing purposes.

8. Changes to These Terms

We may update these Terms at any time. Continued use of the Service means You accept the updated Terms.

9. Governing Law & Disputes

9.1 Governing Law

These Terms are governed by the laws of the State of Ohio, United States, without regard to conflict-of-law principles.

9.2 Informal Resolution

Before filing a claim, you agree to contact us at Juanita.Jimenez@portfolioindependent.com and attempt to resolve the dispute within 30 days.

9.3 Arbitration

Unresolved disputes shall be settled by binding arbitration under the rules of the American Arbitration Association (AAA).

9.4 Class Action Waiver

YOU AND PORTFOLIOINDEPENDENT AGREE TO BRING CLAIMS ONLY IN AN INDIVIDUAL CAPACITY, NOT AS PART OF A CLASS ACTION.

9.5 Injunctive Relief

Either party may seek equitable relief in Ohio courts.

9.6 Arbitration Opt-Out

You may opt out of arbitration within 30 days by emailing Juanita.Jimenez@portfolioindependent.com.

9.7 Severability

If any provision is invalid, the rest remains in effect.

Important Information & Disclaimers

By subscribing to SMS, you agree to receive messages from PortfolioIndependent. Message and data rates may apply. Reply STOP to cancel at any time. Content provided is for informational purposes only and does not constitute investment or financial advice.

Contact Us

If you have any questions:
Email: Juanita.Jimenez@portfolioindependent.com
Address: 1209 Mountain Road Pl NE Ste N, Albuquerque, NM 87110, USA