Kubence Website Terms of Use

Last Updated: December 20, 2025

1. Acceptance of Terms

Welcome to kubence.com (the "Website"), operated by Kubence LLC ("Kubence," "we," "us," or "our"). By accessing or using the Website, you ("User" or "you") agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, you must not access or use the Website.

These Terms govern your access to and use of the Website, including any content, functionality, and services offered on or through the Website. Please read these Terms carefully before using the Website.

2. Description of Website

The Website provides general information about Kubence and its investment advisory services. The Website is intended for informational purposes only and does not constitute an offer or solicitation to buy or sell any securities or investment products, or to provide investment advice.

Kubence is a registered investment adviser with the U.S. Securities and Exchange Commission ("SEC"). Registration with the SEC does not imply any level of skill or training. The Website is not intended to provide personalized investment, tax, legal, or accounting advice. You should consult your own accounting, investment, legal, or tax advisors before making any investment decisions.

3. No Advisory Relationship

IMPORTANT: Your use of this Website does not create an investment advisory relationship between you and Kubence. No advisory relationship is formed unless and until you have entered into a written advisory agreement with Kubence.

The information on this Website is general in nature and is not intended as a recommendation of any particular security, strategy, or investment product. Any investment or strategy mentioned on this Website may not be suitable for all investors.

4. Intellectual Property

The Website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, graphics, logos, and the design, selection, and arrangement thereof) are owned by Kubence, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Website without our prior written consent, except for temporary storage in your computer's cache memory or as necessary for your personal, non-commercial use of the Website.

5. User Conduct

You agree not to use the Website in any way that violates any applicable federal, state, local, or international law or regulation. You further agree not to:

6. Disclaimers

NO PROFESSIONAL ADVICE. Kubence does not provide accounting, investment, legal, or tax advice. The information on this Website has been prepared for informational purposes only and is not intended to provide, and should not be relied on for, accounting, investment, legal, or tax advice. You should consult your own accounting, investment, legal, or tax advisors before engaging in any transaction.

INVESTMENT RISKS. All investments involve risk, including the possible loss of principal. Past performance does not guarantee future results. Options trading is not appropriate for all investors. Before considering any options strategy, you should read the Characteristics and Risks of Standardized Options available at theocc.com.

AS-IS BASIS. THE WEBSITE AND ITS CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.

Kubence does not warrant that the Website will be uninterrupted, secure, or error-free, that defects will be corrected, or that the Website or the server that makes it available are free of viruses or other harmful components.

7. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL KUBENCE, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE WEBSITE.

8. Indemnification

You agree to indemnify, defend, and hold harmless Kubence and its affiliates, officers, directors, employees, agents, licensors, and service providers from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Website.

9. Third-Party Links

The Website may contain links to third-party websites or resources. These links are provided for your convenience only. Kubence has no control over the contents of those sites or resources and accepts no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any third-party websites linked to this Website, you do so entirely at your own risk.

10. Privacy Policy

Your use of the Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding your personal information.

11. Modifications to Terms

Kubence reserves the right to modify these Terms at any time in its sole discretion. If we make material changes to these Terms, we will update the "Last Updated" date at the top of these Terms. Your continued use of the Website after any such changes constitutes your acceptance of the new Terms. You are advised to review these Terms periodically for any changes.

12. Modifications to Website

Kubence reserves the right to modify, suspend, or discontinue the Website (or any part thereof) at any time without notice. Kubence shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Website.

13. Governing Law

These Terms and any dispute or claim arising out of or related to these Terms or the Website shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions.

14. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid, illegal, or unenforceable provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable while preserving its intent.

15. Waiver

No waiver by Kubence of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of Kubence to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

16. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Kubence regarding your use of the Website. These Terms supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Website.

If you enter into an advisory agreement with Kubence, that agreement will govern the advisory relationship and will be separate from these Terms.

17. Contact Information

If you have any questions about these Terms, please contact us at contact@kubence.com.

18. Regulatory Information

Kubence LLC is an investment adviser registered with the U.S. Securities and Exchange Commission. You may obtain information about Kubence and its representatives by visiting the SEC's Investment Adviser Public Disclosure website at adviserinfo.sec.gov.

Registration with the SEC does not imply a certain level of skill or training. Additional information about Kubence's services is available in our Form ADV, which is available upon request or on the SEC's website.