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Terms of Service

Last Updated: November 8, 2025

⚠️ Important Disclaimers

MuniBondIQ is an information and analytics platform. We do not provide legal advice, investment advice, or act as a municipal advisor.

Not Legal Advice: The information provided on this platform does not constitute legal advice and should not be relied upon as such. Users should consult with qualified legal counsel for specific legal matters.

Not a Municipal Advisor: MuniBondIQ is not registered as a municipal advisor under SEC Rule 15Ba1-1 or any other regulatory framework. We do not provide advice to municipal entities regarding the issuance of municipal securities, investment of proceeds, or the use of municipal financial products.

Not Investment Advice: Information on this platform is for informational purposes only and does not constitute investment advice or a recommendation to buy, sell, or hold any security.

1. Acceptance of Terms

By accessing and using MuniBondIQ (the "Service"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, you may not access or use the Service.

2. Description of Service

MuniBondIQ provides market intelligence, analytics, and information about charter school bond transactions. The Service includes:

  • Analysis and aggregation of publicly available bond prospectuses
  • Market trends and comparative analytics
  • AI-powered document analysis and data extraction
  • Search and filtering capabilities for historical transactions

Information Only: All data, analytics, and content provided through the Service are for informational purposes only. Users are responsible for verifying all information and conducting their own due diligence.

3. No Professional Advice

3.1 Not Legal Advice

Nothing on the Service constitutes legal advice. The information provided does not create an attorney-client relationship. Users should consult with qualified legal counsel regarding specific legal matters, document interpretation, and compliance issues.

3.2 Not Municipal Advisory Services

MuniBondIQ does not provide municipal advisory services as defined by the Securities and Exchange Commission. We do not:

  • Advise municipal entities on the issuance of municipal securities
  • Provide advice regarding municipal financial products or investment of proceeds
  • Make recommendations to municipal entities regarding municipal securities or related matters
  • Undertake solicitation of municipal entities on behalf of brokers, dealers, or municipal securities dealers

3.3 Not Investment Advice

The Service does not provide investment advice or recommendations. Nothing on the Service should be construed as a recommendation to purchase, sell, or hold any security. Users should consult with qualified financial advisors regarding investment decisions.

3.4 Not Tax or Accounting Advice

The Service does not provide tax or accounting advice. Users should consult with qualified tax and accounting professionals regarding tax treatment and accounting matters.

4. Data Accuracy and Limitations

4.1 AI-Generated Content

Much of the data on the Service is extracted from documents using artificial intelligence and machine learning. While we strive for accuracy, AI systems can make errors. Users should:

  • Verify all information against original source documents
  • Not rely solely on AI-extracted data for critical decisions
  • Conduct independent due diligence
  • Report any errors or inaccuracies they discover

4.2 No Warranty of Accuracy

We make no representations or warranties regarding the accuracy, completeness, timeliness, or reliability of any information provided through the Service. Information may be outdated, incomplete, or inaccurate.

4.3 Historical Information

Information on the Service reflects terms and conditions as they existed at the time of transaction. Market conditions, regulations, and standards change over time. Historical data may not be indicative of current market practice.

5. User Responsibilities

5.1 Professional Judgment

Users are solely responsible for exercising professional judgment and conducting appropriate due diligence. The Service is a tool to assist in research and analysis, not a replacement for professional expertise.

5.2 Verification

Users must verify all information obtained through the Service by reviewing original source documents (official statements, prospectuses, legal opinions, etc.) before relying on such information for any purpose.

5.3 Compliance

Users are responsible for ensuring their use of the Service complies with all applicable laws, regulations, and professional standards, including but not limited to securities laws, MSRB rules, and fiduciary duties.

6. Acceptable Use

Users agree not to:

  • Use the Service for any unlawful purpose
  • Attempt to gain unauthorized access to the Service or related systems
  • Scrape, crawl, or use automated means to access the Service beyond normal usage
  • Share account credentials with unauthorized users
  • Resell or redistribute data obtained from the Service without permission
  • Misrepresent data obtained from the Service as your own analysis

7. Intellectual Property

The Service, including its software, design, and compilation of data, is owned by MuniBondIQ and protected by copyright and other intellectual property laws. Original source documents (prospectuses, official statements) remain the property of their respective issuers and are used for informational purposes only.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

  • THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND
  • WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT
  • WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
  • OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT PAID BY YOU FOR THE SERVICE IN THE TWELVE MONTHS PRECEDING THE CLAIM
  • WE ARE NOT LIABLE FOR ERRORS IN DATA, SERVICE INTERRUPTIONS, OR CONSEQUENCES OF RELYING ON INFORMATION PROVIDED

9. Indemnification

You agree to indemnify and hold harmless MuniBondIQ, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorney fees) arising from:

  • Your use of the Service
  • Your violation of these Terms
  • Your violation of any rights of another party
  • Any decisions made in reliance on information from the Service

10. Account Termination

We reserve the right to suspend or terminate access to the Service at any time for any reason, including violation of these Terms. Upon termination, your right to use the Service immediately ceases.

11. Changes to Terms

We may modify these Terms at any time. Continued use of the Service after changes constitutes acceptance of the modified Terms. Material changes will be communicated to users via email or prominent notice on the Service.

12. Governing Law

These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles. Any disputes shall be resolved in the state or federal courts located in Delaware.

13. Contact Information

For questions about these Terms or the Service, please contact us at:

Email: support@munibondiq.com
Website: www.munibondiq.com

14. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

By using MuniBondIQ, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.

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