Terms of Use

These Terms of Use (“Terms”) comprise an agreement entered into by you and Robowholesaler LLC (“Robowholesaler” or “we”).

The Terms govern your access to and use of the website located at robowholesaler.com (“Website” or “robowholesaler.com”), including contact, functionality, and services of the Website. Accordingly, please review the Terms carefully before you start to use the Website. By visiting the Website, you accept and agree to be bound and abide by both these Terms and Robowholesaler’s Privacy Policy (click to review), which is incorporated by reference.

Please note that we periodically review the Terms, which are subject to change from time to time. All amended items of the Terms are automatically effective when published on the Website and are applied retroactively if you use the Website after the Terms are amended. You are expected to check this page from time to time so you are aware of any changes, as they are binding on you.


The Website is only intended to be used by Financial Advisors and not by individual investors. By using the Website you represent and warrant that you meet this eligibility requirement. For the purposes of this Eligibility requirement, “Financial Advisor” means any registered representative and/or licensed securities professional, including but not limited to broker-dealers and investment advisors.

Fund Information

Robowholesaler organizes fund categories and selects featured funds based solely on performance data made available by individual fund companies. Content displayed on this Website does not constitute any recommendation to buy or sell any security and should be used for informational purposes only. The fact that a fund is featured on the Website does not constitute a ranking and Robowholesaler is not advocating for the sale or purchase of any featured funds. Your use of data or content published on robowholesaler.com is entirely at your own risk, and it is your responsibility to evaluate the accuracy, completeness, and usefulness of content published on the Website.

Fund Fact Sheets are produced quarterly and provide a summary of fund information including performance, top holdings and key fund data, and portfolio characteristics. ALL FUND FACT SHEETS MADE AVAILABLE BY THIRD PARTIES THAT ARE ACCESSIBLE ON ROBOWHOLESALER.COM ARE SUBJECT TO THE ADDITIONAL TERMS AND CONDITIONS STATED ON THE THIRD-PARTY-PROVIDERS’ WEBSITES.

This Website should not be considered a solicitation or offering of any investment products or services to investors residing either within or outside of the United States. All mutual funds are offered by prospectus only. Mutual fund prospectuses include investment objectives, risks, fees, expenses, and other information that you should read and consider carefully before investing.

Intellectual Property

The Website and its entire contents, features and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof), are owned by Robowholesaler, its licensors, affiliates 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. The Robowholesaler name, the terms Robowholesaler, Robowholesaling, robowholesaler.com, RW, our logos, including
without limitation Robowholesaler logo , and all related names, logos, product and service names, designs and slogans on this Website, are trademarks or service marks of Robowholesaler or its licensors or affiliates. You must not use such marks without the prior written permission of the Company. All other names, logos, product and service names, designs and slogans on this Website are the trademarks or service marks of their respective owners.

Certain of the information contained on the Website: (1) is proprietary to Morningstar Inc. and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information.  Past performance is no guarantee of future results.

Without limiting the generality of the preceding paragraph, you agree that you shall not export proprietary Morningstar data from the Website and you further agree that you shall not distribute any Website content containing proprietary Morningstar data as a standalone product and/or resell any Website content.

Limitations of Liability

Neither Robowholesaler nor Robowholesaling LLC nor any of their respective members, officers, employees or consultants will be liable for damages of any kind, under any legal theory, arising out of or in connection with your use, reliance upon or inability to use, the Website, any websites linked to it, any content on the Website or such other websites, including any direct, indirect, incidental, special, punitive, or consequential damages, including but not limited to, personal injury, pain and suffering, emotional distress, loss of revenue, loss of profits, loss of business or anticipated savings, loss of use, loss of goodwill, loss of data, and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable, and including but not limited to damages resulting from mistakes, omissions, interruptions or defects in the data or content displayed on the Website.

The foregoing does not affect any liability that cannot be excluded or limited under applicable law.

Governing Law and Jurisdiction

All matters relating to the Website and these Terms and any dispute or claim arising therefrom or related thereto (in each case, including but not limited to non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of New York without giving effect to any choice or conflict of law provision or rule (whether of the State of New York or any other jurisdiction).

Any legal suit, action or proceeding arising out of, or related to, these Terms or the Website shall be instituted exclusively in the federal courts of the United States or the courts of the State of New York, in each case located in the City of New York, although we retain the right to bring any suit, action or proceeding against you for breach of these Terms in your country of residence or any other relevant country. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

At Robowholesaler’s sole discretion, we may require you to submit any disputes arising from the use of these Terms or the Website, including disputes arising from or concerning their interpretation, violation, invalidity, non-performance, or termination, to final and binding arbitration under the Rules of Arbitration of the American Arbitration Association applying New York state law.

Limitation on Time to File Claims

Any cause of action or claim arising out of or relating to these Terms or the Website must be commenced within one (1) year after the cause of action accrues, otherwise, such cause of action or claim is permanently barred.

Waiver and Severability

No waiver by Robowholesaler 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 Robowholesaler to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.
If any provision of these Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms will continue in full force and effect.

Entire Agreement

The Terms and our Privacy Policy constitute the sole and entire agreement between you and Robowholesaler with respect to the Website and supersede all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, with respect to the Website. Headings are for convenience only and do not affect the meaning or interpretation of these Terms.

Any questions or comments concerning these Terms should be directed to services@robowholesaler.com.

Last modified April 1, 2018.

Axos Financial, Inc., All Rights Reserved. © 2024 Axos Bank, All Rights Reserved. © 2024 Axos Invest LLC. Member FINRA & SIPC. All Rights Reserved. © 2024 Axos Invest, Inc. All Rights Reserved.

**”Gross Expense Ratio” reflects a fund’s total annual operating expenses as stated in the fund’s prospectus and does not reflect any expense reimbursements or waivers that may exist. This mutual fund may be subject to expense reimbursements and waivers, and less such reimbursements and waivers may have lower total annual operating expenses (i.e., “Net Expense Ratio”) than indicated herein. Please read the fund prospectus carefully to determine the existence of any expense reimbursements or waivers and details on their limits and termination dates.

Before you invest in an ETF or send money, you should read the prospectus of the ETF carefully and consider the investment objectives, risks, charges, and expenses for the ETF. You can receive a prospectus for each ETF by sending a secure message on our online platform.

Particular ETFs may not be appropriate investments for all investors, and there may be other ETFs or investment options available through Axos Invest LLC that are more suitable.

A mutual fund is not FDIC-insured, may lose value, and is not guaranteed by a bank or other financial institution.

Performance quoted represents past performance, is no guarantee of future results, and may not provide an adequate basis for evaluating the performance of the product over varying market conditions or economic cycles. Current performance may be lower or higher than the performance data quoted. The investment return and principal value of an investment will fluctuate so that an investor’s shares, when redeemed, may be worth more or less than their original cost.

No-transaction-fee funds and other funds offered through Axos Invest have other fees and expenses that apply to a continued investment in the fund and are described in the prospectus.

Mutual funds, closed-end funds and exchange-traded funds are subject to market, exchange rate, political, credit, interest rate, and prepayment risks, which vary depending on the type of fund. International investments involve special risks, including currency fluctuations and political and economic instability. Asset allocation and diversification do not eliminate the risk of experiencing investment losses. Fund purchases may be subject to investment minimums, eligibility and other restrictions, as well as charges and expenses.

Research and planning tools are obtained by unaffiliated third-party sources deemed reliable by Axos Invest. However, Axos Invest does not guarantee their accuracy and completeness and makes no warranties with respect to results to be obtained from their use. The reports are for informational purposes only.

ETFs are subject to risk similar to those of their underlying securities, including, but not limited to, market, investment, sector, or industry risks, and those regarding short-selling and margin account maintenance. Some ETFs may involve international risk, currency risk, commodity risk, leverage risk, credit risk, and interest rate risk. Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors.

Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, small-capitalization securities, and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy. Investment returns will fluctuate and are subject to market volatility, so that an investor’s shares, when redeemed or sold, may be worth more or less than their original cost. Unlike mutual funds, shares of ETFs are not individually redeemable directly with the ETF. Shares are bought and sold at market price, which may be higher or lower than the net asset value (NAV).