Terms of Service

By accessing and using DividendCalculator.io ("the Site"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Site.

1. Description of Service

DividendCalculator.io provides free, web-based financial calculators and educational content related to dividend investing. Our tools include dividend income calculators, DRIP calculators, tax calculators, stock-specific calculators, and related educational articles. The Site does not require account registration and is available to the general public at no cost.

2. Not Financial Advice

3. Accuracy of Data and Calculations

While we strive to provide accurate and up-to-date information, we make no warranties or representations regarding:

• The accuracy, completeness, or timeliness of stock prices, dividend yields, or other financial data displayed on the Site.
• The accuracy of calculator results, which are based on simplified mathematical models and user-provided assumptions.
• The reliability of data sourced from third-party providers including Polygon.io, EODHD, Alpha Vantage, Finnhub, and FRED.

Financial data may be delayed, estimated, or based on fallback values when live data is unavailable. Past performance does not guarantee future results. Dividend payments are subject to change by the issuing company at any time without notice.

4. Limitation of Liability

To the maximum extent permitted by applicable law, DividendCalculator.io, its owners, operators, and contributors shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or inability to use the Site, including but not limited to financial losses resulting from investment decisions made based on information or calculations provided by the Site. Your use of the Site and any reliance on its content is at your sole risk.

5. Intellectual Property

All content on DividendCalculator.io, including but not limited to calculator designs, educational articles, graphics, code, and user interface elements, is the intellectual property of DividendCalculator.io and is protected by applicable copyright and trademark laws. You may use the Site for personal, non-commercial purposes. Reproduction, redistribution, or commercial use of our content without written permission is prohibited.

6. Acceptable Use

You agree not to:

• Scrape, crawl, or use automated tools to extract data from the Site without written authorization.
• Attempt to reverse engineer, decompile, or disassemble any part of the Site's software or calculators.
• Use the Site in any manner that could damage, disable, or impair its functionality or interfere with other users' access.
• Redistribute financial data obtained through the Site in any commercial product or service.
• Use the Site for any unlawful purpose or in violation of any applicable regulations.

7. Third-Party Links

The Site may contain links to third-party websites, including financial data providers, brokerage platforms, and educational resources. These links are provided for convenience only. We do not endorse, control, or assume responsibility for the content, privacy practices, or accuracy of any third-party website. Accessing third-party sites is at your own risk.

8. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be reflected by updating the "Last updated" date at the top of this page. Your continued use of the Site after any changes constitutes acceptance of the revised terms. We encourage you to review these terms periodically.

9. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the United States. Any disputes arising from these terms or your use of the Site shall be resolved through binding arbitration in accordance with applicable rules.

10. Contact

If you have questions about these Terms of Service, please contact us at [email protected] or visit our contact page.