Terms of Service

Version 2026:8 — Effective date: August 27, 2026

Read this first. DRIPCalc is a set of informational tools for dividend investors: calculators, trackers, screeners, comparison tools, market data, and automated signals. We sell access to these tools, through paid and free plans, with one express stipulation: our information or data might be incorrect. We work to keep it correct — we check, we fix, we improve — but we cannot guarantee it, and we do not. Nothing on DRIPCalc is financial advice, and every investing decision you make is yours alone. By using DRIPCalc you agree to these Terms. If that stipulation is not acceptable to you, do not use DRIPCalc. That is the whole deal; the sections below spell it out.

1. What "DRIPCalc," "We," and "the Service" Mean

The "Service" means everything DRIPCalc offers: the DRIPCalc.com website and every page, tool, calculator, tracker, screener, comparison tool, list, chart, table, statistic, and signal display on it; the DRIPCalc mobile apps (including the iOS app); the DRIPCalc APIs and any data delivered through them; and every email, notification, export, or other output any of these produces. Any disclaimer previously published on any single page of DRIPCalc.com applies to the entire Service.

"DRIPCalc," "we," "us," and "our" mean the Service and the people behind it, taken together. Every disclaimer, limitation, release, and protection in these Terms covers the Service itself and each of the individuals and businesses that own, operate, build, maintain, or supply it — its operators, owners, managers, employees, contractors, agents, licensors, and data suppliers. Wherever these Terms limit responsibility or liability, that limit protects every one of them, whether or not named anywhere.

"Content" means all data, prices, dividend and distribution figures, yields, dates, projections, calculations, estimates, charts, statistics, signals, text, and other material displayed by or delivered through the Service, whether generated by us or obtained from third parties.

2. We Are Not a Financial Adviser

We are not a financial adviser. We are not your adviser. The entire Service — free and paid, web and app — exists for informational, educational, and research purposes only. It is a set of tools to help you do your own research and make your own decisions. It does not make decisions for you, and you must not use it as if it did. This includes the Signals shown across the Service: they are algorithmic technical indicators computed from market data — not financial advice, and not trade recommendations — and Section 4 explains them in full.

DRIPCalc is not an investment adviser, broker-dealer, commodity trading advisor, financial planner, accountant, tax adviser, or fiduciary, and is not registered as any of these with the SEC, FINRA, CFTC, NFA, or any state or foreign authority. No Content is investment advice, financial advice, trading advice, tax advice, or legal advice. Nothing on the Service is a recommendation, solicitation, endorsement, or offer to buy, sell, or hold any security, fund, or other instrument, or to adopt any strategy.

Nothing is personalized. The Service does not know your financial situation, objectives, tax position, or risk tolerance, and no Content takes them into account — including Content shown next to holdings or watchlists you entered yourself. A signal displayed beside a security you happen to own is a statement about that security's data, not an instruction to you.

Your decisions are yours alone. You are solely responsible for evaluating the merits and risks of any investment decision, for every order you place or do not place, and for every consequence. Before acting, do your own independent research, verify any figure against primary sources (your broker, the issuer's official filings, official market data), and consult a licensed financial adviser, tax professional, or attorney about your specific situation.

No outcome is promised. We make no representation that any security, strategy, signal, or use of the Service will be profitable, avoid losses, or achieve any result. All investments carry risk, including loss of the entire amount invested. Past performance — real, estimated, or hypothetical — does not indicate or guarantee future results.

3. The Data Can Be Wrong — No Warranty of Accuracy

THE SERVICE, AND EVERYTHING IT DISPLAYS OR PRODUCES, IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT.

This applies to every product, tool, and figure on the Service, without exception. Prices, dividend and distribution amounts, payment frequencies, yields, ex-dates and pay dates, third-party fund and holdings data, statistics, and every other data point may be delayed, stale, incomplete, mislabeled, out of order, wrong, or missing entirely. Upstream sources sometimes deliver bad data; sometimes their data files are not delivered at all, leaving figures missing or frozen. Our own collection, processing, caching, and scheduled updates can fail or lag, and ordinary software defects happen. Different parts of the Service may draw on different sources at different times and may disagree with each other. We do our best; we guarantee nothing.

Do not make any financial decision based on any number shown by the Service without independently verifying it against a primary source — your broker, the fund issuer's official filings, or official market data. If a figure on the Service disagrees with your broker or a fund issuer, assume ours is the wrong one.

Calculators and projections

All calculator and projection outputs are hypothetical illustrations computed from your inputs and from assumptions (constant or estimated yields, prices, frequencies, growth rates, tax rates) that will not hold in reality. Dividends can be cut or suspended; prices and rates change constantly; taxes depend on your circumstances. Projections are not predictions, forecasts, or promises of any future value or payment.

Portfolio figures

The portfolio tools compute figures (cost basis, gains, dividends received, projected amounts, and similar) from data you enter plus the market data described above. They are convenience estimates — not brokerage records, tax records, or statements of account — and must not be used as such. Your broker's statements and your official tax documents are the authoritative record; verify against them before acting or filing.

Support and other messages

Any communication from us — support replies, emails, notifications, release notes, social posts — is subject to Sections 2 and 3 and is never advice or a warranty, no matter how it is phrased.

4. Automated Tools

Parts of the Service display "Signals." On DRIPCalc, Indicators = Signals, and "signals" is the word used from here on. Signals are automated technical indicators: algorithm-generated readings — buy, sell, hold, and similar stances — computed by software from historical market data, using math such as price momentum, market breadth, RSI-family calculations, and similar techniques. They are technical indicators, not trade signals — they describe conditions in past market data; they do not tell you to place any trade. Some signals are published alongside statistics about how often the same signal was historically followed by a given outcome ("reliability statistics").

Signals are impersonal technical indicators — not financial advice. Every subscriber with the same plan sees the same signals, generated by the same fixed algorithms, from the same public market data, on the same schedule. No signal is prepared for you, timed for you, or influenced by anything about you: the software has no knowledge of your identity, holdings, finances, objectives, or risk tolerance. Access to signals — free or paid — is access to published, general-audience technical data. It is not advice to you, it does not make us your adviser, and it does not create any advisory relationship (see Section 2).

No advisory relationship. Nothing — not subscribing, not paying, not viewing or acting on any signal, and no statement by us — creates an adviser-client, fiduciary, broker, or any other professional or confidential relationship between you and DRIPCalc. We owe you no duty to monitor your investments, tailor anything to you, update or correct any signal, or alert you to anything. We have no obligation to generate or publish any signal at any time, and we may change, suspend, or discontinue any signal, algorithm, or reliability statistic whenever we choose, without notice.

Signals are not predictions, and they are not advice. A signal describes a mathematical condition in past data — nothing more. Regardless of its label, color, or placement, and even where a label uses trading vocabulary such as "buy" or "sell," a signal is not a recommendation, instruction, solicitation, or offer to take any action with any security. Signals can be wrong. They can be late. They can be computed from incomplete or erroneous data: they inherit every data defect described in Section 3 and add their own — the underlying formulas are heuristics with no predictive guarantee, they can conflict with one another, they can change without notice, and coverage of any ticker or timeframe can stop at any time.

Reliability statistics are hypothetical, backtested measurements with inherent limitations:

• They are computed after the fact from recorded data and do not represent actual trading in any account.
• No commissions, fees, taxes, spreads, slippage, or execution failures are modeled; real trading of the same signals would produce different — usually worse — results.
• Methodologies are designed and revised with hindsight and can change at any time; the statistics themselves are Content under Section 3 and can be wrong.
• No representation is made that any account will achieve results similar to any displayed figure. Past performance, real or hypothetical, does not indicate future results.

Some signal pages may first ask you to read and accept a short acknowledgment before viewing them. Where presented, it restates parts of these Terms, is part of them, and we keep a record of your acceptance (version, timestamp, technical context) as described in the Privacy Policy.

Suitability is not considered. No signal considers whether an action is suitable for you — your taxes, time horizon, position sizes, or risk tolerance. A mathematically "correct" signal can still be a bad move for your situation. By viewing signals you agree that you will not treat any signal as the sole basis for any investment decision, that you will do your own research and, where appropriate, consult a licensed professional — and that if you trade, or choose not to trade, after viewing a signal, that is your own independent decision, made at your sole risk. Any loss connected in any way to signals falls within the disclaimers and the limitation of liability in Sections 3 and 15.

5. Your Risk, Your Decisions

All use of the Service in connection with any investment activity is entirely at your own risk. You take sole and complete responsibility for every trading and investment decision you make and for all resulting losses, costs, and taxes — including where you relied on Content that later proved wrong, delayed, incomplete, or misinterpreted, and including loss of your entire investment.

To the maximum extent permitted by law, you release DRIPCalc — including every person and business described in Section 1 — from all claims, demands, damages, and causes of action, known or unknown, arising from (i) any trading or investment decision, action, or inaction by you or anyone else acting on information obtained through the Service, and (ii) any error, omission, delay, interruption, or defect in any Content. If you are a California resident, you waive California Civil Code §1542 with respect to this release.

6. Accounts and Eligibility

You must be at least 18 years old (or the age of majority where you live, if higher) to use the Service. The Service is operated from the United States and directed at U.S. residents; you are responsible for compliance with the laws of your own jurisdiction, and we make no representation that the Service is appropriate or lawful elsewhere.

When subscribing to a paid or free plan, provide accurate registration information and keep it current. You are responsible for safeguarding your credentials and for all activity under your account, whether or not you authorized it; notify us promptly of any suspected unauthorized use. One account per person; accounts are personal and may not be shared, transferred, or sold. We may refuse or suspend any account at our discretion, including for suspected sharing, abuse, or violation of these Terms.

7. Plans, Billing, and Cancellation

Plans. DRIPCalc offers free and paid plans. Subscribing to a paid or free plan gives you the access described at signup. Paid plans are billed in U.S. dollars on a recurring basis (monthly or annual, as selected).

Payment handling. Payments are handled by third-party payment processors and app-store billing. We never store credit-card data on our servers. Purchases made through an app store are additionally governed by that store's terms.

Your price is locked. The price you lock in when you subscribe does not go up for you. It stays your price for as long as your subscription remains active, through every renewal — even if the price for new subscribers rises. Your price changes only if you cancel and later start a new subscription; the new subscription is billed at whatever price is offered at that time.

Auto-renewal. Paid subscriptions renew automatically at the end of each billing period, at your locked price, until cancelled.

Free trials. Where offered, free trials are limited to one per person. A payment method may be required to start a trial, and the plan price is charged automatically when the trial ends unless you cancel before it ends. We may modify or withdraw trial offers at any time.

Cancellation. Subscriptions purchased on the website are cancelled on the website, from your account page. Subscriptions purchased through an app store (for example, the Apple App Store or Google Play) are cancelled through that store's subscription settings. Cancellation takes effect at the end of the current paid period; you keep paid access until then.

Refunds. Except where required by law, payments are final and non-refundable, including for partial periods, unused time, downgrades, or dissatisfaction with data accuracy. App-store purchases follow that store's refund process, which we do not control.

Features can change. Features included in any plan may be added, changed, or removed over time. A feature change is not grounds for a refund of amounts already paid, though you may cancel future renewals.

Taxes. Prices exclude applicable taxes, which are your responsibility where we are not required to collect them.

8. What You May and May Not Do

You may use the Service for your own personal, non-commercial research and education. API access, where included in your plan, is for your own use at reasonable request volumes. This permission is limited, revocable, and yours alone.

You may not, and may not help anyone else:

• use the Service unlawfully or to harm anyone;
• resell, redistribute, republish, or provide Content or signals to any third party, free or paid, including via the API, exports, screenshots at scale, or derived feeds;
• scrape, crawl, bulk-download, or systematically extract Content, or use it to train machine-learning models;
• reverse engineer or probe the Service, or attempt to derive our formulas or source code;
• circumvent or interfere with access controls, paywalls, plan limits, blurring, rate limits, or acknowledgment gates;
• share credentials or operate multiple accounts to evade limits or trials;
• interfere with the operation or security of the Service or impose an unreasonable load on it;
• misrepresent Content as your own, or as ours after altering it;
• use our name or marks to imply endorsement.

We may investigate violations and may throttle, suspend, or terminate access without notice to protect the Service or other users.

9. Ownership, Your Data, and Feedback

The Service and Content — including software, formulas, design, text, graphics, compilations, and the DRIPCalc name — belong to us or our licensors and are protected by intellectual-property law. Third-party market data remains the property of its suppliers. Nothing in these Terms gives you any of it beyond the permission in Section 8.

Your data stays yours. You keep ownership of the portfolio entries, transactions, notes, and other data you submit. You permit us to host, process, back up, display to you, and use that data as needed to operate, secure, and improve the Service, including in aggregated or de-identified form that does not identify you.

Suggestions you send us may be used freely, without obligation or attribution.

10. Privacy

Our Privacy Policy describes what we collect and how we use it, and is part of these Terms. We record acceptance events (signup, acknowledgments) with version, timestamp, and technical context, and these records may be used as evidence that you accepted.

11. Third Parties

The Service depends on third parties we do not control, including market-data suppliers, payment processors, app stores, email providers, and hosting infrastructure. We are not responsible for their acts, omissions, errors, outages, or terms, and we have no liability for Content defects originating with a data supplier. Links to third-party sites are for convenience and are not endorsements. Your dealings with any third party — including your broker, through which all of your actual trades occur — are solely between you and them. We never hold, access, or transmit brokerage credentials, and we never place, route, or execute trades.

12. Availability; Changes to the Service

The Service comes with no uptime commitment. Data updates run on schedules that can stall, skip, or fail; maintenance, outages, supplier failures, and defects can interrupt or degrade the Service at any time, in whole or in part, without notice. We may change or discontinue any feature, or the entire Service, at any time. We are not liable for any loss — including any trading loss or missed opportunity — arising from unavailability, delay, or discontinuation of the Service or any Content.

13. Ending Access

We may suspend or terminate your access to any or all of the Service at any time, with or without cause or notice — including for abuse, fraud, circumvention of limits, or violation of these Terms — without owing you anything beyond any refund required by law. You may stop using the Service and cancel at any time under Section 7. Sections that by their nature should continue — including 2 through 5 and 9 through 18 — continue after access ends.

14. Changes to These Terms

We may revise these Terms from time to time. Each version carries a version number and effective date. For material changes we will give reasonable notice (such as an in-product notice or email) before the new version takes effect; for other changes, posting the revised Terms is notice. Continued use of the Service after the effective date means you accept the new version; if you do not, stop using the Service and cancel before it takes effect. We keep an archive of prior versions.

15. Limitation of Liability

To the maximum extent permitted by law:

• We are not liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost savings, lost data, or lost opportunity, or for trading or investment losses of any kind — including losses you or anyone else incurs from acting on any Content — even if we were advised of the possibility and even if a remedy fails of its essential purpose.
• Our total combined liability for all claims relating to the Service or these Terms — covering everyone described in Section 1 together — will not exceed the greater of one hundred U.S. dollars (US$100) or the amounts you paid us for the Service in the twelve months before the event giving rise to the claim.

Some jurisdictions do not allow certain limitations; there, liability is limited to the smallest amount permitted. These limits are part of the basis on which the Service is priced and offered.

16. Indemnification

If your use or misuse of the Service or Content (including any trading or investment activity), your violation of these Terms or of any law or third-party right, your submitted data, or your dispute with any third party (including your broker) draws anyone described in Section 1 into a claim, demand, or investigation, you will defend, indemnify, and hold all of them harmless from the resulting damages, losses, and expenses, including reasonable attorneys' fees. We may take over the defense of any such matter at our expense, in which case you will cooperate. This section continues after access ends.

17. Governing Law; Disputes

These Terms are governed by the laws of the Commonwealth of Massachusetts, without regard to conflict-of-laws rules. Before filing any claim, contact us at the address in Section 19 and give us 30 days to try to resolve the dispute informally. Any dispute that cannot be resolved informally must be brought in the state or federal courts located in Massachusetts, and you consent to their jurisdiction and venue.

18. Everything Else

These Terms, together with the Privacy Policy and any acknowledgment presented in the product, are the complete set of rules between you and us for the Service and replace every earlier version. If any provision is held unenforceable, it will be limited or severed to the minimum extent necessary and the rest stay in effect. Not enforcing a provision is not a waiver of it. You may not transfer your rights under these Terms to anyone else; we may transfer ours in connection with a sale or reorganization of the Service. We are not responsible for delay or failure caused by events beyond our reasonable control. Notices to you may be sent by email to your account address or shown in the product; notices to us go to the Section 19 address. Headings are for convenience only.

19. Contact

DRIPCalc.com — Email: info @ dripcalc.com (remove the spaces). Contact is by email only.

DMCA. If you believe content on the Service infringes your copyright, send a notice containing the elements required by 17 U.S.C. §512(c)(3) to the email address above. We respond to compliant notices, may remove identified material, and terminate repeat infringers. Counter-notices may be submitted to the same address.