You have reported 38 posts with 91% accuracy (30 good, 3 bad, 5 unhandled). Do not worry about your accuracy too much; one accurate report is worth many inaccurate reports.

Correct and I guess that depends on how you define "fully independent".

That is SO obviously spam. I have 100% accuracy right now, let's see if I blow it by reporting this. I'm going to report it right now and I'll let you know what happens.

I now have 1 additional reported post and still 100% accuracy.

Section 326 of the USA PATRIOT ACT requires all financial institutions to obtain, verify, and record Personal Information that identifies each person who opens an account. This federal requirement applies to all new customers. This Personal Information is used to assist the United States government in the fight against the funding of terrorism and money-laundering activities. What this means for you: when you open an account, we ask you for your name, address, date of birth, and other identifying Personal Information.

In addition, we are a global company and thus may conduct business and collect Personal Information from individuals and institutions located within the European Economic Area (“EEA”). We are required to protect Personal Information processed in the EEA in accordance with the General Data Protection Regulation (“GDPR”). To understand more about how we protect the data we collect from individuals and institutions located within the EEA, please see the “Privacy Statement for Data Subjects Whose Personal Information May Be Collected in or from the EEA” section below.

Fully independent means not connected to the Mymonero site that has been compromised many times in the past, so thats a pretty easy question to answer. People are concerned about MITM on Mymonero (as they should be). Can it be pointed at a local DB without re-coding?

There has been cases of individual accounts getting hacked due to human error or malware infected pc, but I never heard of whole site being compromised.