IMPORTANT DISCLAIMER
Please read this entire disclaimer carefully before using Dividend Calculator.
📚Educational Purposes Only
Dividend Calculator is provided for educational and informational purposes only.
This tool is designed to help you:
- Learn about dividend investing concepts
- Understand compound growth through DRIP (Dividend Reinvestment Plans)
- Explore hypothetical investment scenarios
- Practice portfolio planning and analysis
This tool is NOT intended to provide financial advice, investment recommendations, or guidance for making actual investment decisions.
🚫Not Financial, Investment, Tax, or Legal Advice
WE ARE NOT:
- ❌Registered Investment Advisors - We are not licensed to provide investment advice or recommendations
- ❌Financial Planners - We do not provide personalized financial planning services
- ❌Broker-Dealers - We do not execute trades or hold securities
- ❌Tax Advisors - We do not provide tax advice or preparation services
- ❌Legal Counsel - We do not provide legal advice
All content, calculations, and information provided are for general educational purposes only.
🤝Consult Qualified Professionals
Before making ANY investment decisions, you should consult with:
- 💼Registered Investment Advisor (RIA)
For personalized investment advice based on your financial situation, goals, and risk tolerance
- 📊Certified Financial Planner (CFP)
For comprehensive financial planning, retirement planning, and goal-based strategies
- 📝Certified Public Accountant (CPA)
For tax implications of investments, tax-loss harvesting, and account type optimization
- ⚖️Attorney
For estate planning, trust structures, and legal considerations
⚠️No Guarantee of Accuracy
While we strive for accuracy, we make NO GUARANTEES about:
- •Data Accuracy: Market data is sourced from third-party providers (FMP, Polygon, Alpha Vantage) and may contain errors, omissions, or delays
- •Calculation Precision: All calculations are estimates based on assumptions and may not reflect actual future performance
- •Data Completeness: We may not have complete historical data for all securities
- •Real-Time Data: Market data may be delayed 15+ minutes or more
- •Dividend Sustainability: Past dividend payments do not guarantee future dividend payments
Always verify data with official sources before making investment decisions.
📉Investment Risks
ALL INVESTMENTS INVOLVE RISK, INCLUDING:
- ⚠️Loss of Principal: You can lose some or all of your investment
- ⚠️Dividend Cuts or Suspensions: Companies can reduce or eliminate dividends
- ⚠️Market Volatility: Stock prices fluctuate and can decline significantly
- ⚠️Economic Risk: Recessions, inflation, and economic events affect investments
- ⚠️Company-Specific Risk: Business failures, scandals, or poor management
- ⚠️Liquidity Risk: Difficulty selling positions when needed
📈Past Performance Not Indicative of Future Results
Historical dividend payments, stock performance, and growth rates DO NOTguarantee future results.
- • Market conditions change constantly
- • Company performance varies over time
- • Economic cycles affect all investments
- • Past trends do not predict future outcomes
Never invest based solely on historical performance.
⏰Data Sources and Delays
We source market data from third-party providers:
- Financial Modeling Prep (FMP)
Stock prices, dividends, and fundamental data
- Polygon.io
Real-time and historical market data
- Alpha Vantage
Backup historical data and technical indicators
⏰ DATA DELAYS: Market data may be delayed by 15 minutes or more. Prices displayed are NOT real-time and should NOT be used for trading decisions.
For official, real-time data, consult your broker or an authorized market data provider.
🤐No Endorsements or Recommendations
We do NOT endorse or recommend any:
- • Specific stocks or securities
- • Investment strategies
- • Portfolio allocations
- • Trading decisions
- • Brokers or financial services
The inclusion of any stock symbol, company name, or data in our tools does not constitute a recommendation to buy, sell, or hold that security.
🔍Conduct Your Own Research
Before investing, you must:
- ✓ Conduct thorough due diligence
- ✓ Read company financial statements and SEC filings
- ✓ Understand your risk tolerance
- ✓ Consider your investment time horizon
- ✓ Evaluate tax implications
- ✓ Diversify your portfolio appropriately
- ✓ Monitor your investments regularly
🔧Service Availability and Changes
- • The Service may be unavailable due to maintenance, outages, or technical issues
- • We may modify or discontinue features without notice
- • Third-party data providers may change terms or cut off access
- • Calculations and methodologies may be updated over time
We are not responsible for losses resulting from service unavailability or changes.
⚖️Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW:
- • We are NOT liable for any investment losses
- • We are NOT liable for inaccurate data or calculations
- • We are NOT liable for missed opportunities
- • We are NOT liable for third-party data errors
- • We are NOT liable for service interruptions
YOU USE THIS SERVICE ENTIRELY AT YOUR OWN RISK.
✅Your Acknowledgment
By using Dividend Calculator, you acknowledge that:
- ✓ You have read and understood this entire disclaimer
- ✓ You understand this is educational only, not financial advice
- ✓ You will consult qualified professionals before investing
- ✓ You accept all risks associated with investment decisions
- ✓ You will not hold us liable for any losses
- ✓ You will conduct your own independent research
- ✓ You understand data may be delayed or inaccurate
IF YOU DO NOT AGREE WITH THIS DISCLAIMER, DO NOT USE THE SERVICE.
Questions About This Disclaimer?
If you have questions about this disclaimer or need clarification:
Email: legal@dividend.markets
Support: Contact Us
⚠️ REMEMBER ⚠️
This is an educational tool. Always consult qualified professionals before making investment decisions.