Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and MyDividendTracker Inc. ("we," "us," or "our") regarding your use of the MyDividendTracker platform and related services (the "Service").

By accessing or using our Service, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not use our Service.

2. Description of Service

MyDividendTracker is a web-based platform that helps users track and analyze their dividend-paying investments. Our Service includes:

• Portfolio tracking and management tools
• Dividend payment calendar and notifications
• Performance analytics and reporting
• Integration with various brokerage platforms
• Tax reporting and documentation tools

3. User Accounts and Registration

Account Creation

To use our Service, you must create an account by providing accurate and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

Eligibility

You must be at least 18 years old and legally capable of entering into binding agreements to use our Service. By using our Service, you represent and warrant that you meet these requirements.

Account Security

You agree to immediately notify us of any unauthorized use of your account or any other breach of security. We will not be liable for any losses caused by unauthorized use of your account.

4. Acceptable Use

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

• Violate any applicable laws or regulations
• Infringe on the intellectual property rights of others
• Attempt to gain unauthorized access to our systems or other users' accounts
• Use our Service to transmit malicious code or engage in any harmful activities
• Reverse engineer, decompile, or disassemble any part of our Service
• Use automated systems to access our Service without permission
• Share your account credentials with others

5. Financial Data and Integrations

Brokerage Integrations

Our Service may integrate with third-party brokerage platforms to import your investment data. These integrations use read-only access and are secured with industry-standard encryption. You grant us permission to access and use this data solely to provide our Service.

Data Accuracy

While we strive to provide accurate data, we cannot guarantee the accuracy, completeness, or timeliness of financial information displayed in our Service. You should verify all information with your brokerage statements and other official sources.

Not Investment Advice

Our Service provides tools for tracking and analyzing investments but does not constitute investment advice, recommendations, or solicitations. All investment decisions are your sole responsibility.

6. Fees and Payment

Subscription Plans

Our Service is offered on a subscription basis with various pricing plans. Current pricing is available on our website and may be subject to change with notice.

Payment Terms

Subscription fees are billed in advance and are non-refundable except as required by law. You authorize us to charge your chosen payment method for all applicable fees.

Free Trial

We may offer free trial periods. If you do not cancel before the trial period ends, you will be charged for a subscription according to the plan you selected.

7. Intellectual Property

Our Service, including all content, features, and functionality, is owned by MyDividendTracker Inc. and is protected by copyright, trademark, and other intellectual property laws.

We grant you a limited, non-exclusive, non-transferable license to use our Service for your personal, non-commercial use in accordance with these Terms.

8. Privacy and Data Protection

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

9. Disclaimers and Limitation of Liability

Service Disclaimer

Our Service is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

Limitation of Liability

To the maximum extent permitted by law, MyDividendTracker Inc. shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or use, regardless of the theory of liability.

10. Indemnification

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

11. Termination

Either party may terminate your account at any time. We may terminate or suspend your access immediately for any reason, including violation of these Terms. Upon termination, your right to use our Service will cease immediately.

12. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any material changes by email or through our Service. Your continued use of our Service after such modifications constitutes acceptance of the updated Terms.

13. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of our Service will be subject to the exclusive jurisdiction of the courts in New York.

14. Contact Information

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

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and MyDividendTracker Inc. regarding your use of our Service and supersede all prior agreements and understandings.