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Terms of service

Last Updated: January 2023

Overview

Invest On Main LLC is a Texas limited liability company with offices at 520 East Vine, Suite 2404, Keller, TX 76248 (referred to collectively herein as “IOM,” “We,” “Us,” or “Our”).

By using or downloading our mobile application (the “IOM Mobile App”) or accessing or using our website at www.investonmain.com or IOM.ai and its subdomains (“Website”) (collectively, the “IOM Platform”), you indicate your unconditional acceptance of the following Terms of Use (these “Terms”) on your own behalf and on behalf of any organization you represent (collectively, “you” or “your”). If you do not agree to these Terms (or any updates to or modified versions thereof), you should discontinue use of the IOM Platform immediately.

Your use of the IOM Platform is governed by the version of the Terms in effect on the date each IOM Platform is accessed by you. IOM may modify these Terms at any time and without prior notice. You should review the most current version of these Terms by visiting the IOM Platform and clicking on the Terms of Use hyperlink. These Terms are in addition to any other agreements between you and IOM, including any customer or account agreements, and any other agreements that govern your use of information, content, tools, products and services available on and through the IOM Platform.

Permanent U.S. Residents and Non-U.S. Residents

You must be at least 18 years of age to become a user of the IOM Platform. You represent and warrant that you are 18 years of age or older and are fully able and competent to enter into and abide by the contract created by these Terms of Use.

The IOM Platform is for U.S. Permanent Residents and U.S. citizens residing in the U.S. only. You must be a legal Permanent Resident of the United States or a United States citizen residing in the United States in order to use the IOM Platform.

Non U.S. residents are subject to approval from IOM and may be excluded if located or citizens of certain jurisdictions. 

Use of IOM Platform

The IOM Platform is intended only for your personal, non-commercial use, unless you and IOM have agreed otherwise in writing.

Prohibited Uses

Because all servers have limited capacity and are used by many people, do not use the IOM Platform in any manner that could damage or overburden any IOM server, or any network connected to any IOM server. Do not use the IOM Platform in any manner that would interfere with any other party’s use of the IOM Platform.

Means of Access

The Website is generally intended to be viewed by a conventional web browser with a screen resolution of 800 by 600 pixels or greater. The IOM Mobile Apps are meant to be viewed by a mobile phone with an Android or iOS operating system. Although you may use other means to access the IOM Platform, be aware that the IOM Platform may not appear accurately through other access methods, and you use them only at your own risk. You should not access the IOM Platform through devices or services that are designed to provide high-speed, automated, repeated access, unless such devices are approved or made available by IOM.  Certain parts of the IOM Platform are protected by passwords or require a login. You may not obtain or attempt to obtain unauthorized access to such parts of the IOM Platform, or to any other protected materials or information, through any means not intentionally made available by IOM for your specific use. You understand that to receive electronic deliveries, you must have internet access, a valid e-mail address, the ability to download and have ongoing access to applications as IOM may specify and a printer or other device to download and print or save any information you may wish to retain.

Password Security and Notification

If you have a password for access to non-public areas of the IOM Platform, you are solely responsible for maintaining the confidentiality and use of the password and other security data, methods and devices. Further, you are responsible for all activities that occur in connection with your password including all instructions electronically transmitted or use of any data, information or services obtained using your password and other security data. IOM shall not be under any duty to inquire as to the authority or propriety of any instructions given to IOM by you or via your password and shall be entitled to act upon any such instructions and IOM will not be liable for any loss, cost, expense or other liability arising out of any such instructions.

Accordingly, you should take steps to protect the confidentiality of your password. As an authorized user you accept full responsibility for the monitoring of your account including frequently checking your account information, reviewing your transaction history online and promptly reviewing any correspondence, account statements and confirmations received from IOM. Notify IOM immediately if you become aware of any unauthorized activity, disclosure, loss, theft or unauthorized use of your password. You agree to cooperate with IOM in any investigation and agree to take corrective measures to protect your account from further fraudulent activity.

Site Availability

While we have put resources into building and testing our computer systems, computer glitches, slowdowns, and crashes will occur. We will also need to restrict access to some parts of our website or our entire website to perform routine maintenance. We will try to schedule our maintenance during the middle of the night. While it is our intention that our website will be available seven days a week except when maintenance is scheduled (usually for weekends), you understand that we do not guarantee that you will always be able to access the IOM Platform. Computer problems can arise on your end, our end, or anywhere in between: your computer may break down; the connection between your computer and your Internet service provider may not work properly; your Internet service provider may go down; or our computers and the computers we link to may be unavailable due to unforeseen system outages. When trading volumes soar and many investors want to buy or sell at the same time, lines form and orders cannot be filled as quickly. You agree that we are not responsible for any losses or liabilities that may occur as a result of high trading volume, market volatility, or computer, telecommunications, or Internet failures, regardless of the cause.

Network Security and Reliability

You acknowledge that the Internet is not a secure network and that communications transmitted over the Internet may be accessed by unauthorized or unintended third parties. E-mail notifications sent by IOM will not contain sensitive or confidential information. Due to security risks, you should not send any sensitive information, such as account numbers or passwords in an unencrypted email. E-mails may fail to transmit properly. Regardless of whether you receive an e-mail notification, you agree to check the IOM website to avoid missing time-sensitive information. You further agree that for your records, you can download and save or print the communications received via electronic delivery.

Consent to Electronic Delivery

By providing IOM with your email address, you agree to receive all required notices electronically to that email address. It is your responsibility to update or change the email address registered with IOM, as appropriate. If you become aware of any unauthorized use of your information, please contact IOM. Further, by registering with IOM you are aware and consent that electronic signatures and electronic documents will be used instead of paper documents. You agree and are giving consent to electronic delivery of all communications which includes, but is not limited to, all current and future account statements, trade confirmations, notices, disclosures, regulatory communications (including prospectuses, proxy solicitations and privacy notices) and other information, documents, data and records regarding your account all services provided by IOM delivered or provided to you by IOM.  Your consent will be effective immediately and will remain in effect until either IOM or you revoke it. You understand that it may take up to three days to process a revocation of consent to electronic communications and you may receive electronic notifications in the interim.  You may revoke or restrict consent to electronic delivery of IOM communications at any time by notifying IOM. You have the right to request paper delivery of any communication that the law requires IOM to provide in paper form. If you revoke or restrict consent to electronic delivery, IOM, at its discretion, may charge a service fee of up to $100.00 for the delivery of communications that would otherwise be delivered electronically, restrict your account, or close your account and terminate access to the IOM Platform.

No Recommendations or Investment Advice

You understand that IOM, through the IOM Platform or any interaction you have with representatives of the firm, provides no tax, legal, estate planning, or investment advice of any kind, nor do we give advice or offer any opinion with respect to the nature, potential value or suitability of any particular investment, fund, securities transaction or investment strategy. You understand that you are solely responsible for all investment decisions you make regarding the transactions made in your account. You further understand that while you may be able to access market data and other financial information from the IOM Platform, the availability of such information does not constitute a recommendation to buy or sell any of the securities or investments made available for purchase on the website (including securities appearing in anything published or advertised by IOM) or to engage in any investment strategy. Any investment decisions you make will be based solely on your own evaluation of your financial circumstances and investment objectives and the suitability for you of any security or any investment strategy. Any order entered using your password is yours and you are responsible for any outcome as a result of transactions that you initiate or that is initiated by any user of your account, including the possible loss of principal invested based on an investment decision you made. You understand the risks involved with transacting in the securities you maintain and that your investments will fluctuate in value, and you agree that IOM is not responsible for any losses you may incur as a result of your investment decisions and any trades made for your account.  By making information available to you on the website, IOM is not advising you to invest in any particular fund, investment, security or securities, or to pursue any investment strategy. Although IOM may provide tools that enable you to assess your own tolerance for risk, or otherwise assist to educate you in various ways, IOM does not determine if the tools and resources made available on the website will result in suitable investments designed to meet your particular investment needs. All investments have risks, and you are responsible for determining whether you can afford the risks of making any investment.

Information Subject To Limitations

The information and content available on or posted to the website may not be timely or complete, and should not be relied upon for making any investment or other decisions. Information, such as stock prices, is not real-time and the past performance results of a security available for purchase through the website is not an indication of future performance. Share prices used to value individual positions, or contribute to other performance information, are provided by third-party data providers and may not be timely and may not reflect certain activities such as corporate actions, fees and commissions. IOM cannot guarantee the accuracy or completeness of the information it receives from third-party sources of information and makes available on the website. IOM may cause pricing, performance or other information to be unavailable with respect to a particular security from time to time if IOM determines that such information is inaccurate.  IOM makes available hyperlinks from the website to third-party websites, as a convenience to users with the intention of allowing users to access additional investment-related information. You agree to access any such third-party websites through those hyperlinks at your own risk and to follow any rules and restrictions particular to those websites. IOM is not responsible for the content appearing on third- party websites hyperlinked from the website, nor does IOM make any endorsements or warranties, express or implied, with respect to the content of third-party websites, including the information, products or services offered on any third-party websites, including but not limited to accuracy, completeness, reliability, suitability, non-infringement, merchantability or fitness for a particular purpose. IOM does not guarantee the authenticity of information or documents available on the internet and reserves the right to terminate any link from the website at any time.

Timeliness of Content

All content on the IOM Platform is presented only as of the date published or indicated, and may be superseded by subsequent market events or for other reasons. In addition, you are responsible for setting the cache settings on your browser to ensure you are receiving the most recent data.

Broker-Dealer’s Potential Conflicts

IOM, its affiliates or broker-dealer partner may act as principal for its own account or as agent for its customers in connection with the sale to you or purchase by you of a security that is the subject of content prepared by IOM. If it receives a mark-up or commission or acts as agent for another person in connection with any such transaction, IOM may have a potential conflict of interest. You understand this potential conflict and acknowledge that you may choose to effect securities transactions at another broker-dealer.

DISCLAIMER OF WARRANTIES

IOM DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES ABOUT THE IOM PLATFORM, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. THE IOM PLATFORM IS MADE AVAILABLE TO YOU “AS IS” AND “AS AVAILABLE” AND IOM DOES NOT WARRANT THAT ANY DEFECTS OR INACCURACIES WILL BE CORRECTED.  IOM DOES NOT WARRANT THAT THE IOM PLATFORM WILL MEET YOUR NEEDS, OR THAT THEY WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE. IOM ALSO MAKES NO WARRANTY THAT THE RESULTS OBTAINED FROM THE USE OF THE IOM PLATFORM WILL BE ACCURATE OR RELIABLE, OR THAT THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE IOM PLATFORM WILL MEET YOUR EXPECTATIONS.

LIMITATION OF LIABILITY

IOM WILL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY CONSEQUENTIAL, INCIDENTAL, SPECIAL, DIRECT, OR INDIRECT DAMAGES (INCLUDING BUT NOT LIMITED TO LOST PROFITS, TRADING LOSSES OR DAMAGES THAT RESULT FROM USE OR LOSS OF USE OF THE IOM PLATFORM AND THIRD PARTY CONTENT, INCONVENIENCE OR DELAY). THIS IS TRUE EVEN IF IOM HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES.  IOM WILL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS RESULTING FROM A CAUSE OVER WHICH SUCH IOM DOES NOT HAVE DIRECT CONTROL. THIS INCLUDES FAILURE OF ELECTRONIC OR MECHANICAL EQUIPMENT OR COMMUNICATIONS LINES (INCLUDING TELEPHONE, CABLE AND INTERNET), UNAUTHORIZED ACCESS, VIRUSES, THEFT, OPERATOR ERRORS, SEVERE OR EXTRAORDINARY WEATHER (INCLUDING FLOOD, EARTHQUAKE, OR OTHER ACT OF GOD), FIRE, WAR, INSURRECTION, TERRORIST ACT, RIOT, LABOR DISPUTE AND OTHER LABOR PROBLEMS, ACCIDENT, EMERGENCY OR ACTION OF GOVERNMENT.  IF YOU LIVE IN A STATE THAT DOES NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SOME OR ALL OF THESE LIMITATIONS AND EXCLUSIONS MAY NOT APPLY TO YOU.

Indemnification

As a condition of your use of the IOM Platform, you agree to indemnify and hold IOM and its Third Party Content providers harmless from and against any and all claims, losses, liability, costs and expenses (including but not limited to attorneys’ fees) arising from your use of the IOM Platform, or from your violation of these Terms.

Changes to IOM Platform

Unless otherwise agreed, IOM may discontinue or modify the IOM Platform at any time without prior notice to you, and you accept those modifications if you continue to use the IOM Platform.

Termination

IOM may terminate your access to the IOM Platform for any reason, without prior notice.

Governing Law

Unless otherwise agreed, these Terms and their enforcement are governed by the laws of Texas, without regard to conflicts of law, and shall inure to the benefit of IOM’s successors and assigns, whether by merger, consolidation, or otherwise.

Severability

If a court of competent jurisdiction deems any provision unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.