Terms and Conditions

THESE TERMS AND CONDITIONS (the "Terms") is between Impruvu LLC, a limited liability company duly organized under the laws of the State of New Mexico, and its wholly owned subsidiary AdvisorHub LLC (collectively, "Company, us, we, our"), and the User(s) of this website ("Users, you"), which you must accept to use any aspect of this website.

Please carefully review these terms and conditions of use before using this site or accessing any data thereon. Any use of this website creates a binding agreement to comply with these terms and conditions. By continuing to use this website, you assent to each term in these Terms, and you acknowledge that you have had the chance to review, consider, and agree to these Terms. If you do not understand or agree to these Terms, then you agree to immediately cease your use of this website.

USER AGREEMENT

These Terms are terms of a legal agreement (the "Agreement") between you, individually and/or as an agent on behalf of an entity or another registered member, and that sets forth the terms and conditions for your use of this website, including any subdomain thereof (the "Site"). The Site is owned and operated by Impruvu. This Site is being provided to you expressly subject to this Agreement. By accessing, browsing, and/or using the Site, you acknowledge that you have read, understood, and agree to be bound by the terms of this Agreement and to comply with all applicable laws and regulations.

ACCESSIBILITY STATEMENT

Impruvu is committed to making our website accessible to everyone, including individuals with disabilities, and strives to ensure that our website is user-friendly and easy to navigate for all visitors. In accordance with the Americans with Disabilities Act (the "ADA") and other relevant laws and standards, we have implemented various accessibility features including:

• Resizable text
• Alt text for images
• Keyboard navigation
• High contrast mode
• Screen reader compatibility

CHANGES TO THESE TERMS

Impruvu reserves the right to amend this Agreement at any time and will notify you of any such changes by posting the revised Agreement on the Site. You should check this Agreement on the Site periodically for changes. All changes shall be effective upon posting. Your continued use of the Site after any change to this Agreement constitutes your agreement to be bound by any such changes.

LIMITATIONS OF USE

The copyright in all material on this Site, including without limitation the text, data, articles, design, source code, software, photos, images, and other information (collectively, the "Content"), is held by Impruvu or by the original creator of the material and is protected by U.S. and International copyright laws or treaties. You agree that the Content may not be copied, reproduced, distributed, framed, downloaded, republished, modified, displayed, posted, transmitted, or sold in any form or by any means, in whole or in part, without the express prior written consent of Impruvu.

You may not use any automated methods to access the Site or collect any information from the Site; frame the Site, utilize framing techniques to enclose any Content or other proprietary information, place pop-up windows over Content, or otherwise affect the display of any Content.

Members of the community must be U.S. Residents with a valid social security number that are at least eighteen (18) years of age or older. Children under the age of 18 are not eligible to participate in the offerings on the Site.

REFUND POLICY

Please note that all sales of Impruvu's financial products are final and that we do not offer refunds or cancellations. For more information on Impruvu's Refund Policy, please visit our Refund Policy page.

TRADEMARKS

Impruvu (including the logo), website, and all related logos (collectively the "Trademarks") are trademarks or service marks of Impruvu. Nothing on this Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of the Trademarks displayed on this Site, without our prior written permission in each instance.

LINKS TO THIRD-PARTY SITES

This site may contain links to web sites controlled, owned, and operated by third parties (the "third-party sites"). Impruvu cannot control and has no responsibility for the accuracy or availability of information provided on the third-party sites. Links to third-party sites do not constitute an endorsement or recommendation by Impruvu of such sites or the content, products, advertising, or other materials presented on such sites, but are only for your convenience and you access them at your own risk.

CONSENT TO DOING BUSINESS ELECTRONICALLY

You agree Communications relating to your use of the Site or related services may be provided or made available to you electronically by email or at the Site. You have the right to receive a free paper copy of any Communication by contacting us.

Hardware and Software Requirements

To access and retain the Communications electronically, you will need to use a device with an internet connection and an up-to-date browser capable of opening portable document formats ("PDF"), such as Microsoft Internet Explorer, Mozilla Firefox, Google Chrome, or Safari, and a valid email address.

Withdrawing Consent

You may withdraw your consent to receive Communications electronically by contacting us. If you withdraw your consent, from that time forward any pending applications, listings, or content will automatically terminate and be removed from the platform.

PERMISSION TO CONTACT

When you give us your contact information (including but not limited to your home and/or mobile phone number, work phone number, address and email address), you grant us permission to contact you at any of those numbers or addresses about your accounts and about our products and services. Your consent allows us to use written, electronic, or verbal means to contact you, including but not limited to text messaging and emails.

DISCLAIMER OF WARRANTIES

Your use of the Data is at your sole risk. Impruvu does not warrant or guarantee the accuracy, adequacy, timeliness, reliability, completeness, or usefulness of the Data and disclaims liability for errors or omissions in the Data. The Data is provided on an "as-is" and "as available" basis, without any warranty, either express or implied.

ASSUMPTION OF RISK

The Site and services are provided for communication purposes only. You acknowledge and agree that any information posted on the Site is not intended to be legal advice, medical advice, or financial advice, and no fiduciary relationship has been created between You and Impruvu.

LIMITATION OF LIABILITY

Excluding damages arising from the Company's breach of confidentiality obligations, the Company shall not be liable to the User, regardless of the form of action, whether in contract, tort, or otherwise, for any lost profits business interruption, or for any indirect, incidental, special, consequential, exemplary, or punitive damages arising out of or relating to this Agreement, even if the User has been advised of the possibility of such damages or liability, nor shall the Company's aggregate liability for any other damages arising out of this Agreement exceed the liquidation fee paid by the User to the Company in accordance with the terms of this Agreement.

INDEMNIFICATION

The User agrees to defend, protect, indemnify, and hold the Company, and its affiliates, officers, managers, directors, employees, contractors, and subcontractors, harmless against any and all claims, demands, causes of action, and judgments of every kind and character, including regulatory agency costs, court costs, and attorneys fees, arising, occurring, growing out of, incident to, or resulting directly or indirectly from any misrepresentation made by the User on this website or in connection with the services offered on this website.

ARBITRATION

Resolution of Disputes: The User acknowledges that it has read this provision carefully, and understands that this provision limits the User's rights in the event of a dispute between the User and Impruvu.

Any Claim shall be resolved, upon the election of either us or you, by binding arbitration administered by the American Arbitration Association or JAMS, under the applicable arbitration rules of the administrator in effect at the time a Claim is filed (the "Rules"). Any arbitration under this Agreement will take place on an individual basis; class arbitrations and class actions are not permitted.

The address for serving any arbitration demand or claim on us is: Impruvu LLC, 1209 Mountain Road Pl NE, Ste R, Albuquerque, NM 87110, Attention: Compliance.

You and we agree that each may bring claims against the other only in our individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding.

You and we agree that, by entering into this Agreement, the parties are each waiving the right to a trial by jury or to participate in a class action.

USE OF PERSONALLY IDENTIFIABLE INFORMATION

Impruvu's practices and policies with respect to the collection and use of personally identifiable information are governed by Impruvu's Privacy Policy.

SEVERABILITY

If any provision of this Agreement is found to be invalid or unenforceable, the remaining provisions shall be enforced to the fullest extent possible, and the remaining provisions of the Agreement shall remain in full force and effect.

GENERAL PROVISIONS

This Agreement will be binding on, inure to the benefit of, and be enforceable against the parties to this Agreement and their respective successors and assignees. Neither the course of conduct between the parties to this Agreement nor trade practice shall serve to modify any provision of this Agreement. All rights not expressly granted herein are hereby reserved.

COPYRIGHT COMPLAINTS

If you believe, in good faith, that any materials on the Site infringe your copyrights, notifications of claimed copyright infringement should be sent to:

Impruvu LLC
Attention: Compliance
1209 Mountain Road Pl NE, Ste R, Albuquerque, NM 87110

CONTACTING US

For additional information, or if you have any questions regarding these Terms, please submit your questions or comments directly to us: