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Terms of Use

Acceptance of Terms

Independence First makes this website (the "Site"), including all information, documents, content, materials and services (the "Materials") available on the Site, available to you for your personal, non-commercial use subject to the terms and conditions set forth in this legal agreement ("Terms of Use"). By accessing, browsing and/or using the Site, you acknowledge that you have read, understand and agree to be bound by the Terms of Use and to comply with all applicable laws and regulations, including all applicable export and re-export control laws and regulations. Independence First reserves the right to change the Terms of Use from time to time at its sole discretion. Your use of the Site will be subject to the most current version of the Terms of Use posted on the Site. You are responsible for periodically visiting these Terms of Use from time to time to review the then-current Terms of Use. If you do not agree to the Terms of Use, do not use the Site.

Access to the Site

Independence First may alter, suspend, or discontinue this Site or any of the Materials at any time and for any reason, without prior notice to you. The Site may become unavailable due to maintenance or malfunction of computer equipment or other reasons. If you do not abide by the provisions of the Terms of Use, Independence First may immediately deactivate or delete your user account and/or bar any further access to the Materials, and/or the Site. Independence First shall not be liable to you or any third party for any termination or cancellation of your access to, or use of, the Site.

Use of Site Information

You are permitted to view, copy, download and print Materials from the Site, provided that:

  • you use the Materials for informational, personal and non-commercial purposes only;
  • you do not modify or alter the Materials in any way;
  • you do not copy or distribute graphics from the Site separate from their accompanying text;
  • you do not quote the Materials out of context; and
  • you display the copyright and trademark notice(s) listed at the bottom of the Terms of Use on all documents or portions of documents and retain any other copyright and other proprietary notices on every copy of Materials from the Site that you make.

Independence First reserves the right to revoke the authorization to view, copy, download and print the Materials at any time and any such use shall be discontinued immediately upon written notice from Independence First . The rights specified above to view, copy, download and print the Materials are not applicable to the design or layout of the Site. Elements of the Site are protected by trade dress and other laws and may not be copied or imitated in whole or in part. For permission to use third party materials appearing on the Site, please contact the owner of such materials.

Content Provided to Independence First or Posted at any Independence First Website
Independence First does not claim ownership of the content, information or materials that you provide to Independence First (including feedback and suggestions) or post, upload, input or submit to the Site or its associated services for review by the general public, or by the members of any public or private community, (each a "Submission" and collectively "Submissions"). However, by posting, uploading, inputting, providing or submitting ("Posting") your Submission you are granting Independence First , its affiliated companies and necessary sublicensees permission to use your Submission, including, without limitation, the license rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; to publish your name in connection with your Submission; and the right to sublicense such rights. No compensation will be paid with respect to the use of your Submission, as provided herein. Independence First is under no obligation to post or use any Submission you may provide and Independence First may remove any Submission at any time in its sole discretion. By Posting a Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in these Terms of Use including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions. Upon reasonable request by Independence First , you will provide information related to any claim that your Submission infringes any third party rights.

No Additional Rights

You acknowledge and agree that except for the rights expressly granted above, all other right, title and interest in and to the Site, Software and Services, including any and all patent, trademark, copyright, trade secret, intellectual and industrial property rights remain the sole and exclusive property of Independence First, its suppliers and/or its licensors. Except as specifically set out in the Terms of Use, you are not authorized to use Independence First's name or any of its trademarks or those of its suppliers and/or its licensors in any manner whatsoever, absent prior written approval from Independence First.


You acknowledge and agree that you use the Site and Services at your own risk. Support regarding the Services is only provided subject to the terms of a separate agreement between you and Independence First.

Limitations on Liability

Independence First may make changes to the Materials, including without limitation, the prices and descriptions of any listed products at any time, without notice. The Materials on this Site may be out of date and Independence First makes no commitment to update such Materials. The Site could include technical or other mistakes, inaccuracies or typographical errors. Independence First assumes no responsibility for errors or omissions in the Materials and/or other services, which are included on, referenced by or linked to this Site. References to other corporations' sites, services and products are provided "as is" without warranty of any kind, either express or implied. IN NO EVENT SHALL Independence First, ITS SUPPLIERS OR LICENSORS HAVE ANY LIABILITY TO YOU OR ANY OTHER PERSON OR ENTITY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES WHATSOEVER, INCLUDING, BUT NOT LIMITED TO, LOSS OF REVENUE OR PROFIT, LOST OR DAMAGED DATA OR OTHER COMMERCIAL OR ECONOMIC LOSS, EVEN IF Independence First HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR THEY ARE FORESEEABLE. Independence First IS NOT RESPONSIBLE FOR CLAIMS BY A THIRD PARTY. IN NO EVENT SHALL Independence First'S (OR ITS SUPPLIERS' OR LICENSORS') MAXIMUM AGGREGATE LIABILITY TO YOU FOR DAMAGES, LOSSES AND CAUSES OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE), OR OTHERWISE EXCEED $1 U.S. DOLLAR. THE LIMITATIONS IN THIS SECTION SHALL APPLY WHETHER OR NOT THE ALLEGED BREACH OR DEFAULT IS A BREACH OF A FUNDAMENTAL CONDITION OR TERM OR A FUNDAMENTAL BREACH. SOME STATES/COUNTRIES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU.


By using this Site, you agree to indemnify, defend and hold harmless Independence First and its affiliates, partners, third party content providers and licensors and each of their respective directors, officers, employees and agents from and against any and all claims, actions, suits, proceedings, judgments, damages, losses, liabilities, costs and expenses (including, without limitation, reasonable attorneys' fees and related reasonable costs) arising directly or indirectly out of or in connection with (a) your breach of these Terms of Use, (b) any content uploaded, posted or transmitted by you on or through the Site, and/or (c) your activities in connection with the Site.

Links to Third Party Sites

This Site contains links to other sites on the Internet that are not within Independence First's control and are owned and operated by Independence First's partners, customers and other third parties (the "External Sites"). Independence First will not review and makes no representations whatsoever about any External Sites to which you may have access through the Site. When you leave this Site and access an External Site, you do so entirely at your own risk and Independence First is not responsible for the accuracy or reliability of any information, data, opinions, advice, or statements made on the External Sites or for the quality of any products or services available on the External Sites. Independence First provides links to External Sites merely as a convenience. You acknowledge and agree that the inclusion of such External Links does not imply that Independence First endorses or accepts any responsibility or liability for any content, advertising, products or other material that may appear on or may be available on, from or through any External Sites. You further acknowledge and agree that Independence First 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 purchase or use of or reliance on any such content, advertising, products, or other materials.

Privacy Policy Statement

The terms of Independence First's Privacy Policy Statement ("Privacy Policy") are incorporated into the Terms of Use by reference. By accepting the Terms of Use, you acknowledge that you have read, understand and agree to be bound by the Privacy Policy.

International Users

The Site can be accessed from countries around the world and may contain references to products, services and programs that are not available in your country. These references do not imply that Independence First intends to announce such products, services or programs in your country. Independence First makes no representation that Materials on this Site are appropriate or available for use in locations outside of Canada and the United States and access to the Materials from territories where they are prohibited is illegal. If you choose to access this Site from outside Canada or the United States, you do so on your own initiative and are responsible for compliance with local laws.

Choice of Language

The Terms of Use is in the English language only, which language shall be controlling in all respects.

Choice of Law and Jurisdiction

This Site (excluding links to External Sites) is controlled by Independence First from its offices in Milwaukee, Wisconsin, USA, notwithstanding the physical location of the servers on which the content resides. By accessing this Site, you and Independence First agree that all matters relating to your access to, or use of, this Site shall be governed by the statutes and laws of the State of Wisconsin and the federal laws of the United States applicable therein. You and Independence First expressly disclaim all applicable choice of law or conflict of law rules and expressly exclude the United Nations Convention on Contracts for the International Sale of Goods. You and Independence First also agree and hereby submit to the exclusive personal jurisdiction and venue of the courts in Wisconsin, USA with respect to such matters.


The Terms of Use and the Privacy Policy constitute the entire agreement between Independence First and you and govern your use of the Sites. Neither the Terms of Use nor the Privacy Policy may be modified except in writing signed by both parties or by a new posting by Independence First, as described in "Acceptance of Terms" above. If any provision of the Terms of Use is determined to be unlawful, void or for any reason, or unenforceable, then that provision shall be deemed severable from the remaining provisions. Any failure by Independence First to enforce or exercise any provision of the Terms of Use or related right shall not constitute a waiver of that right or provision.


The following are trademarks or registered trademarks of Independence First Inc.: Independence First word mark. Other product and company names displayed on the Site may be trademarks or registered trademarks of their respective owners. Unless specifically noted to the contrary, the Independence First companies, products, domain names, e-mail addresses, logos, people and events depicted on this Site are fictitious and no association with any real company, organization, product, domain name, e-mail address, logo, person or event is intended or should be inferred.