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In terms of an individual person... well, that's personal, and depends on the individual. Whatever it is, an individual person has personal tastes, so make sure to think of that.
This is a jukugo word, which usually means on'yomi readings from the kanji. If you know the readings of your kanji you'll know how to read this as well.
これは私個人の意見です。
This is my personal opinion.
個人的には反対です。
Personally, I am against it.
友達が個人でやってる、こじんまりとしたオシャレカフェに行ってきました。
I went to a small, stylish cafe that is independently run by a friend.
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