Terms and Conditions

Agreement between User and www.indigospire.com

Welcome to www.indigospire.com. The www.indigospire.com website (the “Site”) is comprised of various web
pages operated by IndigoSpire Advisors LLC (“IndigoSpire”). www.indigospire.com is offered to you conditioned on
your acceptance without modification of the terms, conditions, and notices contained herein (the “Terms”). Your
use of www.indigospire.com constitutes your agreement to all such Terms. Please read these terms carefully, and
keep a copy of them for your reference.

www.indigospire.com is a News and Information Site.

The purpose of www.indigospire.com is to provide clients and prospective clients information and useful links
pertaining to the services and offerings of IndigoSpire.

Privacy

Your use of www.indigospire.com is subject to IndigoSpire’s Privacy Policy. Please review our Privacy Policy,
which also governs the Site and informs users of our data collection practices.

Electronic Communications

Visiting www.indigospire.com or sending emails to IndigoSpire constitutes electronic communications. You consent
to receive electronic communications and you agree that all agreements, notices, disclosures and other
communications that we provide to you electronically, via email and on the Site, satisfy any legal requirement that
such communications be in writing.

Children Under Thirteen

IndigoSpire does not knowingly collect, either online or offline, personal information from persons under the age of
thirteen. If you are under 18, you may use www.indigospire.com only with permission of a parent or guardian.

Links to Third Party Sites/Third Party Services

www.indigospire.com may contain links to other websites (“Linked Sites”). The Linked Sites are not under the
control of IndigoSpire and IndigoSpire is not responsible for the contents of any Linked Site, including without
limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. IndigoSpire is providing
these links to you only as a convenience, and the inclusion of any link does not imply endorsement by IndigoSpire
of the site or any association with its operators.

Certain services made available via www.indigospire.com are delivered by third party sites and organizations. By
using any product, service or functionality originating from the www.indigospire.com domain, you hereby
acknowledge and consent that IndigoSpire may share such information and data with any third party with whom
IndigoSpire has a contractual relationship to provide the requested product, service or functionality on behalf of
www.indigospire.com users and customers.

No Unlawful or Prohibited Use/Intellectual Property

You are granted a non-exclusive, non-transferable, revocable license to access and use www.indigospire.com
strictly in accordance with these terms of use. As a condition of your use of the Site, you warrant to IndigoSpire that
you will not use the Site for any purpose that is unlawful or prohibited by these Terms. You may not use the Site in
any manner which could damage, disable, overburden, or impair the Site or interfere with any other party’s use and
enjoyment of the Site. You may not obtain or attempt to obtain any materials or information through any means not
intentionally made available or provided for through the Site.

All content included as part of the Service, such as text, graphics, logos, images, as well as the compilation thereof,
and any software used on the Site, is the property of IndigoSpire or its suppliers and protected by copyright and
other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright
and other proprietary notices, legends or other restrictions contained in any such content and will not make any
changes thereto.

You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works,
or in any way exploit any of the content, in whole or in part, found on the Site. IndigoSpire content is not for resale.

Your use of the Site does not entitle you to make any unauthorized use of any protected content, and in particular
you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content
solely for your personal use, and will make no other use of the content without the express written permission of
IndigoSpire and the copyright owner. You agree that you do not acquire any ownership rights in any protected
content. We do not grant you any licenses, express or implied, to the intellectual property of IndigoSpire or our
licensors except as expressly authorized by these Terms.

International Users

The Service is controlled, operated and administered by IndigoSpire from our offices within the USA. If you access
the Service from a location outside the USA, you are responsible for compliance with all local laws. You agree that
you will not use the IndigoSpire Content accessed through www.indigospire.com in any country or in any manner
prohibited by any applicable laws, restrictions or regulations.

Indemnification

You agree to indemnify, defend and hold harmless IndigoSpire, its officers, directors, employees, agents and third
parties, for any losses, costs, liabilities and expenses (including reasonable attorney’s fees) relating to or arising
out of your use of or inability to use the Site or services, any user postings made by you, your violation of any terms
of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules or
regulations. IndigoSpire reserves the right, at its own cost, to assume the exclusive defense and control of any
matter otherwise subject to indemnification by you, in which event you will fully cooperate with IndigoSpire in
asserting any available defenses.

Arbitration

In the event the parties are not able to resolve any dispute between them arising out of or concerning these Terms
and Conditions, or any provisions hereof, whether in contract, tort, or otherwise at law or in equity for damages or
any other relief, then such dispute shall be resolved only by final and binding arbitration pursuant to the Federal
Arbitration Act, conducted by a single neutral arbitrator and administered by the American Arbitration Association,
or a similar arbitration service selected by the parties, in a location mutually agreed upon by the parties. The
arbitrator’s award shall be final, and judgment may be entered upon it in any court having jurisdiction. In the event
that any legal or equitable action, proceeding or arbitration arises out of or concerns these Terms and Conditions,
the prevailing party shall be entitled to recover its costs and reasonable attorney’s fees. The parties agree to
arbitrate all disputes and claims in regards to these Terms and Conditions or any disputes arising as a result of
these Terms and Conditions, whether directly or indirectly, including Tort claims that are a result of these Terms
and Conditions. The parties agree that the Federal Arbitration Act governs the interpretation and enforcement of
this provision. The entire dispute, including the scope and enforceability of this arbitration provision shall be
determined by the Arbitrator. This arbitration provision shall survive the termination of these Terms and Conditions.

Class Action Waiver

Any arbitration under these Terms and Conditions will take place on an individual basis; class arbitrations and
class/representative/collective actions are not permitted. THE PARTIES AGREE THAT A PARTY MAY BRING
CLAIMS AGAINST THE OTHER ONLY IN EACH’S INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR
CLASS MEMBER IN ANY PUTATIVE CLASS, COLLECTIVE AND/ OR REPRESENTATIVE PROCEEDING,
SUCH AS IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION AGAINST THE OTHER. Further,
unless both you and IndigoSpire agree otherwise, the arbitrator may not consolidate more than one person’s
claims, and may not otherwise preside over any form of a representative or class proceeding.

Liability Disclaimer

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH
THE SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY
ADDED TO THE INFORMATION HEREIN. INDIGOSPIRE ADVISORS LLC AND/OR ITS SUPPLIERS MAY MAKE
IMPROVEMENTS AND/OR CHANGES IN THE SITE AT ANY TIME.

INDIGOSPIRE ADVISORS LLC AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE
SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION,
SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE SITE FOR ANY
PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION,
SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT

WARRANTY OR CONDITION OF ANY KIND. INDIGOSPIRE ADVISORS LLC AND/OR ITS SUPPLIERS
HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION,
SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES
OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-
INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL INDIGOSPIRE
ADVISORS LLC AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL,
SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT
LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY
CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE, WITH THE DELAY OR INABILITY TO USE
THE SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR
ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH
THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE SITE, WHETHER BASED ON CONTRACT,
TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF INDIGOSPIRE ADVISORS LLC OR ANY
OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME
STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR
CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU
ARE DISSATISFIED WITH ANY PORTION OF THE SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR
SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE.

Termination/Access Restriction

IndigoSpire reserves the right, in its sole discretion, to terminate your access to the Site and the related services or
any portion thereof at any time, without notice. To the maximum extent permitted by law, this agreement is
governed by the laws of the State of California and you hereby consent to the exclusive jurisdiction and venue of
courts in California in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in
any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section.

You agree that no joint venture, partnership, employment, or agency relationship exists between you and
IndigoSpire as a result of this agreement or use of the Site. IndigoSpire’s performance of this agreement is subject
to existing laws and legal process, and nothing contained in this agreement is in derogation of IndigoSpire’s right to
comply with governmental, court and law enforcement requests or requirements relating to your use of the Site or
information provided to or gathered by IndigoSpire with respect to such use. If any part of this agreement is
determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty
disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed
superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the
remainder of the agreement shall continue in effect.

Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and
IndigoSpire with respect to the Site and it supersedes all prior or contemporaneous communications and proposals,
whether electronic, oral or written, between the user and IndigoSpire with respect to the Site. A printed version of
this agreement and of any notice given in electronic form shall be admissible in judicial or administrative
proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as
other business documents and records originally generated and maintained in printed form. It is the express wish to
the parties that this agreement and all related documents be written in English.

Changes to Terms

IndigoSpire reserves the right, in its sole discretion, to change the Terms under which www.indigospire.com is
offered. The most current version of the Terms will supersede all previous versions. IndigoSpire encourages you to
periodically review the Terms to stay informed of our updates.

Contact Us

IndigoSpire welcomes your questions or comments regarding the Terms:

IndigoSpire Advisors LLC
1900 Camden Ave., Suite 101
San Jose, California 95124

Email Address:
[email protected]

Telephone number:
4086635155

Effective as of October 01, 2019