Terms of Service

1. Acceptance of Terms

By accessing or using Track My Dividend ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access the Service.

These Terms apply to all visitors, users, and others who access or use the Service.

2. Description of Service

Track My Dividend is a web-based platform that provides dividend tracking, portfolio analytics, and investment insights. Our services include:

• Portfolio tracking and management tools
• Dividend analytics and calculations
• Real-time market data integration
• Reporting and export capabilities
• Educational resources and insights

3. User Accounts

3.1 Account Registration

To use certain features of the Service, you must register for an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your account information
• Keep your password secure and confidential
• Accept responsibility for all activities under your account
• Notify us immediately of unauthorized use

3.2 Account Eligibility

You must be at least 18 years old to create an account. By creating an account, you represent that you meet this age requirement.

4. Acceptable Use Policy

4.1 Permitted Uses

You may use the Service for lawful purposes related to personal investment tracking and analysis.

4.2 Prohibited Activities

You agree not to:

• Use the Service for illegal activities
• Attempt to gain unauthorized access to other accounts
• Reverse engineer or attempt to extract source code
• Upload malicious code or disrupt the Service
• Share your account credentials with others
• Use automated tools to access the Service without permission
• Violate any applicable laws or regulations

5. Subscription and Billing

5.1 Subscription Plans

We offer various subscription plans with different features and pricing. Current plans are described on our pricing page.

5.2 Billing and Payment

• Subscriptions are billed in advance on a recurring basis
• Payment is due immediately upon subscription
• We accept major credit cards and other payment methods
• You authorize us to charge your payment method for recurring fees

5.3 Cancellation and Refunds

• You may cancel your subscription at any time
• Cancellation takes effect at the end of your current billing period
• We offer a 30-day money-back guarantee for new subscriptions
• No refunds for partial periods after the guarantee period

6. Intellectual Property Rights

6.1 Service Content

The Service and its original content, features, and functionality are owned by Track My Dividend and are protected by copyright, trademark, and other intellectual property laws.

6.2 User Content

You retain ownership of your portfolio data and personal information. By using the Service, you grant us a license to use your data solely to provide the Service.

6.3 Third-Party Content

Market data and financial information are provided by third-party sources. We do not guarantee the accuracy or completeness of third-party content.

7. Privacy and Data Protection

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your information. By using the Service, you agree to the collection and use of information in accordance with our Privacy Policy.

8. Disclaimers and Limitations

8.1 Service Availability

We strive to maintain high availability but do not guarantee uninterrupted service. The Service may be unavailable due to:

• Scheduled maintenance
• Technical difficulties
• Third-party service interruptions
• Force majeure events

8.2 Data Accuracy

While we strive for accuracy, we do not guarantee that market data, calculations, or analytics are error-free or current. You should verify important information independently.

8.3 Investment Disclaimer

The Service is for informational purposes only. We do not provide:

• Investment advice or recommendations
• Tax or legal advice
• Guarantees about investment performance
• Personalized financial planning

9. Limitation of Liability

To the maximum extent permitted by law:

• We provide the Service "as is" without warranties
• We are not liable for investment losses or decisions
• Our liability is limited to the amount you paid for the Service
• We are not liable for indirect, incidental, or consequential damages

10. Indemnification

You agree to indemnify and hold Track My Dividend harmless from claims, damages, or expenses arising from:

• Your use of the Service
• Violation of these Terms
• Your investment decisions
• Violation of third-party rights

11. Termination

11.1 Termination by You

You may terminate your account at any time through your account settings or by contacting us.

11.2 Termination by Us

We may terminate or suspend your account if you:

• Violate these Terms
• Engage in fraudulent activity
• Fail to pay subscription fees
• Use the Service in a harmful manner

11.3 Effect of Termination

Upon termination:

• Your access to the Service will cease
• You may export your data before termination
• We will delete your account data according to our retention policy
• Outstanding fees remain due

12. Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by:

• Posting updated Terms on our website
• Sending email notifications
• Displaying notices in the Service

Continued use of the Service after changes constitutes acceptance of the new Terms.

13. Governing Law and Jurisdiction

These Terms are governed by the laws of New York, United States, without regard to conflict of law provisions. Any disputes will be resolved in the courts of New York.

14. Contact Information