These Terms & Conditions (“Terms”) govern your access to and use of DivyTracker’s websites, applications, and related services (collectively, the “Service”). By accessing or using the Service, you agree to these Terms. If you do not agree, do not use the Service.
1. Eligibility and accounts
You must be legally capable of entering into these Terms and comply with applicable law when using the Service. You are responsible for the accuracy of your account information, maintaining the confidentiality of your credentials, and all activity under your account. Notify us promptly if you believe your account has been accessed without authorization.
2. The Service
DivyTracker provides tools for recording holdings and transactions, viewing market and dividend information, and creating estimates and projections. Features, data sources, availability, and pricing may change over time. We may modify, suspend, or discontinue any part of the Service, subject to applicable law.
3. Not financial advice
The Service is provided for informational and educational purposes only. DivyTracker is not a broker-dealer, investment adviser, tax adviser, or law firm. Nothing in the Service is a recommendation, offer, or solicitation to buy, sell, or hold any security. Investment decisions involve risk, including possible loss of principal. Consult qualified professionals before making financial, tax, or legal decisions.
4. Data, estimates, and third-party information
Market prices, dividends, yields, projections, and other information may be delayed, estimated, incomplete, or inaccurate. Past performance does not guarantee future results, and projected dividends or portfolio values are not guaranteed. You are responsible for verifying information before relying on it. The Service may use third-party providers, including authentication and market-data providers, whose services and terms we do not control.
5. Your content and responsibilities
You retain ownership of portfolio details, notes, and other content you submit. You grant DivyTracker a limited license to host, process, reproduce, and display that content only as needed to operate, secure, improve, and support the Service. You represent that you have the right to provide your content and that it does not violate law or another person’s rights.
6. Acceptable use
You may not misuse the Service. Prohibited conduct includes attempting unauthorized access; interfering with security or operation; introducing malicious code; scraping or using automated access except as expressly permitted; reverse engineering except where law allows it; impersonating others; violating intellectual-property or privacy rights; or using the Service for unlawful, fraudulent, or abusive purposes.
7. Subscriptions, trials, and payments
Promotional trials provide temporary access to eligible paid features for the stated period and may be limited to one trial per account. A trial does not become a paid subscription unless you separately complete checkout. If you purchase a paid plan, you authorize the stated recurring charges and applicable taxes through our payment provider. Billing terms presented at checkout form part of these Terms. You may cancel future renewals using the cancellation method made available with the Service. Except where required by law or stated at checkout, amounts already paid are non-refundable. We may change prices prospectively after providing any notice required by law.
8. Intellectual property
The Service—including its software, design, text, graphics, trademarks, and other content—is owned by DivyTracker or its licensors and is protected by applicable intellectual-property laws. These Terms grant you a limited, personal, non-exclusive, non-transferable, revocable right to use the Service for its intended purpose. No other rights are granted.
9. Third-party services and links
The Service may link to or interoperate with third-party services. Their terms and privacy practices govern your use of those services. DivyTracker is not responsible for third-party content, products, availability, or practices.
10. Disclaimers
To the fullest extent permitted by law, the Service is provided “as is” and “as available,” without warranties of any kind, whether express, implied, or statutory, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, or security. Some jurisdictions do not allow certain warranty exclusions, so some exclusions may not apply to you.
11. Limitation of liability
To the fullest extent permitted by law, DivyTracker and its affiliates, owners, personnel, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages; lost profits, data, goodwill, or opportunities; investment losses; or damages arising from reliance on Service information. DivyTracker’s aggregate liability relating to the Service will not exceed the greater of $100 or the amount you paid DivyTracker during the 12 months before the event giving rise to the claim. Applicable law may provide rights that cannot be limited by these Terms.
12. Indemnification
To the extent permitted by law, you agree to defend, indemnify, and hold harmless DivyTracker and its affiliates, owners, personnel, and service providers from claims, liabilities, damages, and reasonable costs arising from your unlawful use of the Service, your content, or your violation of these Terms or another person’s rights.
13. Suspension and termination
You may stop using the Service at any time. We may suspend or terminate access if you materially violate these Terms, create risk or legal exposure, or if needed to protect the Service or its users. Provisions that by their nature should survive termination will remain in effect.
14. Governing law and disputes
These Terms are governed by the laws applicable where DivyTracker is established, without regard to conflict-of-law principles, unless consumer-protection law requires otherwise. Before filing a formal claim, you and DivyTracker agree to make a good-faith effort to resolve the dispute informally. Nothing in this section limits rights that cannot legally be waived.
15. Changes and general terms
We may update these Terms. We will post the revised Terms and update the effective date, and will provide additional notice when required. Continued use after an update becomes effective constitutes acceptance of the revised Terms. If any provision is unenforceable, the remaining provisions remain in effect. Failure to enforce a provision is not a waiver. These Terms and any terms presented with a specific feature are the entire agreement concerning the Service.
16. Contact
Questions about these Terms may be sent to [email protected].