Terms of Service

These Terms of Service ("Terms") govern your use of the DivFind dividend calculator application ("Service") operated by DivFind ("we," "our," or "us"). By accessing or using our Service, you agree to be bound by these Terms.

1. Acceptance of Terms

By using our Service, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not use our Service.

2. Description of Service

DivFind is a web-based application that provides:

• Dividend income calculations and projections
• Stock investment suggestions based on budget and income goals
• Portfolio tracking and management tools
• DRIP (Dividend Reinvestment Plan) projections
• Investment scenario planning and analysis

3. User Accounts

Account Creation

To access certain features of our Service, you must create an account using Google OAuth authentication. You are responsible for maintaining the confidentiality of your account credentials.

Account Responsibilities

You are responsible for:

• All activities that occur under your account
• Maintaining the accuracy of your account information
• Notifying us immediately of any unauthorized use
• Ensuring your account information is secure

4. Acceptable Use

You agree to use our Service only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Service for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the Service or servers
• Use the Service to transmit harmful or malicious code
• Violate any applicable laws or regulations
• Impersonate any person or entity

5. Financial Information and Disclaimers

Not Financial Advice

The information provided through our Service is for educational and informational purposes only. We are not:

• A registered investment advisor
• A broker-dealer
• A financial planner
• Providing personalized investment advice

Investment Risks

All investments carry risk, including the potential loss of principal. Past performance does not guarantee future results. You should:

• Conduct your own research before making investment decisions
• Consider consulting with a qualified financial advisor
• Understand that dividend payments are not guaranteed
• Recognize that stock prices can fluctuate significantly

Data Accuracy

While we strive to provide accurate and up-to-date information, we cannot guarantee the accuracy, completeness, or timeliness of:

• Stock prices and market data
• Dividend information and payment schedules
• Company financial information
• Calculation results and projections

6. Data and Privacy

Your privacy is important to us. Our collection and use of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

7. Intellectual Property

Our Rights

The Service and its original content, features, and functionality are owned by DivFind and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

Your Content

You retain ownership of any content you submit to our Service. By submitting content, you grant us a non-exclusive, worldwide, royalty-free license to use, store, and display that content in connection with providing the Service.

8. Third-Party Services

Our Service integrates with third-party services including:

• Google OAuth for authentication
• Yahoo Finance API for stock data
• Polygon.io API for market information

These services are subject to their own terms of service and privacy policies. We are not responsible for the content, privacy practices, or availability of these third-party services.

9. Service Availability

We strive to maintain high availability of our Service, but we cannot guarantee uninterrupted access. The Service may be temporarily unavailable due to:

• Scheduled maintenance
• Technical issues or system failures
• Third-party service disruptions
• Force majeure events

10. Limitation of Liability

To the maximum extent permitted by law, DivCalc shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits or revenue
• Loss of data or information
• Investment losses or missed opportunities
• Business interruption
• Any damages resulting from the use of our Service

11. Indemnification

You agree to indemnify and hold harmless DivFind, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of the Service or violation of these Terms.

12. Termination

We may terminate or suspend your account and access to the Service at any time, with or without cause, with or without notice. You may terminate your account at any time by contacting us or deleting your account through the Service.

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of any material changes by posting the new Terms on this page and updating the "Last updated" date. Your continued use of the Service after such changes constitutes acceptance of the new Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law provisions.

15. Dispute Resolution

Any disputes arising from these Terms or your use of the Service shall be resolved through binding arbitration in accordance with the rules of [Arbitration Organization]. The arbitration shall take place in [Your Jurisdiction].

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.

17. Contact Information

If you have any questions about these Terms of Service, please contact us at: