Terms of Service

These Terms of Service ("Terms") govern your access to and use of Dividend Calculator ("the Service", "we", "us", or "our"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

1. Acceptance of Terms

By creating an account or using any features of the Service, you agree to:

• Comply with these Terms and all applicable laws
• Be at least 18 years of age
• Provide accurate and complete information
• Maintain the security of your account

2. Service Description

Dividend Calculator provides:

• Dividend calculation and projection tools
• Portfolio tracking and analysis
• Stock screening and research tools
• Educational content about dividend investing

3. User Accounts

3.1 Account Creation

• You must provide accurate and complete registration information
• You are responsible for maintaining the confidentiality of your password
• You are responsible for all activities under your account
• You must notify us immediately of any unauthorized access

3.2 Account Suspension or Termination

We reserve the right to suspend or terminate accounts that:

• Violate these Terms
• Engage in fraudulent or abusive activity
• Attempt to access unauthorized data or systems
• Remain inactive for extended periods

4. Acceptable Use Policy

You agree NOT to:

• Use the Service for any illegal purpose
• Attempt to gain unauthorized access to our systems
• Scrape, data mine, or extract data using automated tools
• Reverse engineer or decompile any part of the Service
• Upload malicious code, viruses, or harmful content
• Harass, abuse, or harm other users
• Impersonate any person or entity
• Sell, rent, or share your account access
• Use the Service to make trading decisions without consulting professionals

Rate Limiting and Fair Use

To ensure service quality for all users, we implement rate limits on API requests and certain features. Excessive use may result in temporary throttling or account suspension.

5. Intellectual Property

5.1 Our Rights

All content, features, and functionality of the Service are owned by us or our licensors and are protected by copyright, trademark, and other intellectual property laws.

• Website design, layout, and graphics
• Calculation algorithms and methodologies
• Software code and architecture
• Logos, trademarks, and branding
• Educational content and articles

5.2 Your Rights

You retain ownership of the portfolio data you enter. However, by using the Service, you grant us a limited license to:

• Store and process your data to provide the Service
• Use aggregated, anonymized data for analytics and improvements
• Display calculations and results based on your input

5.3 Third-Party Data

Market data is licensed from third-party providers (FMP, Polygon, Alpha Vantage) and is subject to their terms. You may not redistribute, resell, or use this data outside of the Service.

6. Disclaimers and Limitations of Liability

6.1 No Warranty

WE MAKE NO WARRANTIES, EXPRESS OR IMPLIED, INCLUDING:

• Merchantability or fitness for a particular purpose
• Uninterrupted or error-free operation
• Accuracy of calculations or projections
• Availability of third-party data sources

6.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR:

• Investment losses or financial damages
• Data loss or corruption
• Service interruptions or downtime
• Third-party data inaccuracies
• Indirect, incidental, or consequential damages

If your jurisdiction does not allow the exclusion of certain warranties or limitations of liability, the above limitations may not apply to you. In such cases, our liability is limited to the maximum extent permitted by law.

7. Data and Privacy

Your use of the Service is also governed by our Privacy Policy. Key points:

• We collect only necessary data to provide the Service
• We use encryption to protect your information
• You can export or delete your data at any time
• We do not sell your personal information

8. Third-Party Services

The Service integrates with third-party providers:

• Financial Data: FMP, Polygon, Alpha Vantage
• Infrastructure: Vercel, PostgreSQL, Redis
• Analytics: Vercel Analytics, Speed Insights

These services have their own terms and privacy policies. We are not responsible for their actions, availability, or data practices.

9. Changes to the Service

We reserve the right to:

• Modify or discontinue features at any time
• Change pricing or introduce fees for previously free features
• Update calculation methodologies
• Limit or restrict access to certain features

We will provide reasonable notice of material changes when possible.

10. Termination

10.1 By You

You may terminate your account at any time by:

• Using the account deletion feature in settings
• Contacting our support team

Upon termination, your data will be deleted within 30 days, except where retention is required by law.

10.2 By Us

We may terminate or suspend your account if you:

• Violate these Terms
• Engage in fraudulent or abusive behavior
• Fail to pay any applicable fees
• Create risk or legal exposure for us or other users

11. Dispute Resolution

11.1 Informal Resolution

Before filing a legal claim, please contact us at support@dividend.markets to attempt informal resolution. Most disputes can be resolved this way.

11.2 Governing Law

These Terms are governed by the laws of the United States and the State of [Your State], without regard to conflict of law principles.

11.3 Arbitration

Any disputes that cannot be resolved informally shall be settled by binding arbitration in accordance with the rules of the American Arbitration Association. You waive any right to a jury trial.

12. General Provisions

12.1 Entire Agreement

These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and us.

12.2 Severability

If any provision is found unenforceable, the remaining provisions remain in effect.

12.3 No Waiver

Our failure to enforce any right does not constitute a waiver of that right.

12.4 Assignment

You may not assign these Terms without our consent. We may assign these Terms without restriction.

13. Changes to These Terms

We may update these Terms from time to time. When we make material changes:

• We will update the "Last Updated" date
• We will notify you via email or prominent website notice
• You will have 30 days to accept or terminate your account

Continued use after the 30-day period constitutes acceptance of the new Terms.

14. Contact Information

Questions about these Terms? Contact us: