Terms of Service
Last updated: October 8, 2026
These Terms of Service (“Terms”) form a binding legal agreement between you and Delta Dividends LLC (“Delta Dividends LLC,” “we,” “us,” or “our”), the owner and operator of DividendDuel.com (the “Site”). By accessing or using the Site in any way, you agree to be bound by these Terms, our Privacy Policy, and our Disclosure, all of which are incorporated by reference. If you do not agree, you must not access or use the Site.
Acceptance of These Terms
By accessing or using the Site, by installing it as an app, or by creating an account (including by ticking the agreement box on the sign-up form or accepting these Terms when prompted), you confirm that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and our Disclosure, including the limitations of liability and the individual arbitration and class action waiver below, with a 30-day opt-out. Your click or checkbox acceptance is your electronic signature and has the same effect as a handwritten signature. We keep a record of each acceptance, including the date, the version of these Terms, and the IP address and browser used. If you do not agree, do not use the Site and do not create an account.
1. No Financial, Investment, Legal, or Tax Advice
The Site and all content on it (data, charts, calculators, screeners, rankings, articles, and any other material, collectively “Content”) are provided for general educational and informational purposes only. Delta Dividends LLC is not a registered investment adviser or broker-dealer and does not provide professional financial planning, accounting, legal, or tax advice, and nothing on the Site constitutes financial, investment, legal, or tax advice, or a recommendation or solicitation to buy, sell, or hold any security or financial instrument. No advisory, fiduciary, or professional relationship is created between you and Delta Dividends LLC through your use of the Site.
2. Disclaimer of Warranties
THE SITE AND ALL CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, OR THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, TIMELY, OR SECURE. DELTA DIVIDENDS LLC DOES NOT WARRANT OR GUARANTEE THE ACCURACY, COMPLETENESS, RELIABILITY, OR TIMELINESS OF ANY DATA, CALCULATION, OR OTHER CONTENT ON THE SITE. YOU USE THE SITE ENTIRELY AT YOUR OWN RISK.
3. Assumption of Risk
You acknowledge that investing involves risk, including the potential loss of principal, and that you voluntarily assume all risks associated with any financial, investment, tax, or legal decision you make, whether or not based on Content from the Site. You are solely responsible for independently verifying any Content and for consulting qualified, licensed professionals before making any investment or financial decision.
4. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW: (A) IN NO EVENT WILL DELTA DIVIDENDS LLC, OR ITS OWNERS, MEMBERS, MANAGERS, EMPLOYEES, CONTRACTORS, OR AGENTS, BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR INVESTMENT LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE SITE OR ANY CONTENT, REGARDLESS OF THE LEGAL THEORY (CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE) AND EVEN IF DELTA DIVIDENDS LLC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES; AND (B) DELTA DIVIDENDS LLC’S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SITE SHALL NOT EXCEED THE GREATER OF (i) THE AMOUNT YOU PAID TO DELTA DIVIDENDS LLC, IF ANY, TO USE THE SITE IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (ii) FIFTY U.S. DOLLARS (US$50). THESE LIMITATIONS APPLY EVEN IF ANY REMEDY FAILS OF ITS ESSENTIAL PURPOSE. Nothing in these Terms or the Disclosure excludes or limits liability for fraud, willful misconduct, gross negligence, or any consumer, privacy, securities-law, or other statutory right or liability that applicable law does not allow to be excluded or limited. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIABILITY LIMITATIONS, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU, IN WHICH CASE OUR LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED BY LAW.
5. Indemnification
To the extent permitted by law, you agree to indemnify and hold harmless Delta Dividends LLC and its owners, members, managers, employees, contractors, and agents against third-party claims and reasonable expenses caused by your unlawful conduct, infringement of another person’s rights, or material breach of these Terms. This does not require you to indemnify us for our own misconduct or waive non-waivable rights.
6. Accuracy of Data; No Guarantee
Prices, distributions, yields, returns, dates, rankings, grades, and calculations may be delayed, stale, estimated, incomplete, incorrectly adjusted, or wrong. Data and imports are not guaranteed to be real time or continuously updated. An update timestamp does not establish that every underlying figure is current. Missing data does not establish that no event occurred. We may correct or remove content and do not undertake to monitor your investments or alert you before any financial deadline. These limitations remain subject to mandatory law and our obligations under it. Read the Financial & Data Disclosure, including the distinction between recorded history and expected payments.
7. Third-Party Links, Data, and Affiliate Relationships
The Site may contain links to, or data sourced from, third-party websites and services, and may include affiliate links from which Delta Dividends LLC may earn a commission at no additional cost to you. Delta Dividends LLC does not control and is not responsible for third-party content, accuracy, or practices, and your use of any third-party site or service is at your own risk and subject to that party’s own terms.
Accounts
Some features, such as watchlists, require an account. You must be at least 18 years old (or the age of majority where you live) to create one. You agree to provide accurate information, to keep your sign-in credentials confidential, and to be responsible for all activity under your account. Notify us promptly through the contact page if you believe your account has been accessed without authorization. Accounts are provided free of charge, without any commitment that the feature or your saved data will remain available, and we may suspend or delete any account, or change or discontinue account features, at any time. Watchlists are a personal organizational tool: we do not monitor them, and nothing you save or see there is advice or a recommendation. You may ask us to delete your account at any time.
Automated Grades, Estimates, and Hypothetical Results
Grades, rankings, heat maps, expected dividend dates, and calculator results on the Site are generated automatically from historical data or from inputs you supply. They are illustrations and estimates only, are not ratings, forecasts, or recommendations, and may be wrong. Hypothetical results do not reflect actual trading and are not a guarantee of future performance. See our Disclosure for details.
Do Not Rely on the Site to Make Financial Decisions
You agree that you will not use the Site, its data, or any Content as the basis for any investment, trading, tax, retirement, or other financial decision. Before making any such decision, you will independently verify all information with official sources (such as fund sponsors, issuers, and regulatory filings) and consult a qualified, licensed financial advisor, analyst, or tax professional who knows your circumstances. Delta Dividends LLC does not guarantee that any data, price, dividend, yield, return, date, grade, ranking, projection, or calculation is accurate, complete, current, or fit for any purpose, and is not responsible for errors, omissions, delays, or interruptions in any of them, whatever their cause.
No Advisory, Fiduciary, or Professional Relationship
Using the Site, creating an account, or using any portfolio, watchlist, saved-search, calendar, alert, or calculator feature does not create an investment-adviser, broker, fiduciary, agency, or any other professional relationship between you and Delta Dividends LLC. Calculations using your inputs do not assess your objectives, risk tolerance, or suitability. Nothing is personalized investment advice or an offer, solicitation, or recommendation to buy, sell, or hold any security.
Portfolios, Watchlists, and Information You Enter
Dividend Duel account features are linked to Dividend Sync, where account identifiers, portfolios, watchlists, saved comparisons, and learning progress are maintained. Calculated balances, gains, cost basis, and expected income are estimates based on saved inputs and potentially delayed data; they are not broker statements, confirmations, audited records, or tax documents. Dividend Duel does not hold your funds, execute trades, or manage investments. Read-only broker connections offered through Dividend Sync have separate availability and permissions. Keep your own records, reconcile imports with your broker, and do not assume saved data will always remain available.
Responsibility for Your Decisions
You remain responsible for the investment and financial decisions you make. To the fullest extent permitted by law, you assume the investment risks associated with your decisions, including decisions informed by the Site. This provision is subject to the liability limitations and non-waivable rights above; it is not a release of rights or claims that cannot lawfully be waived.
Time Limit for Claims
Claims must be brought within the applicable legal limitation period. Nothing in these Terms shortens a limitation period or removes a remedy that cannot legally be waived.
8. Intellectual Property
The Site, including its design, text, graphics, logos, and underlying software, is owned by Delta Dividends LLC or its licensors and is protected by intellectual property laws. You may use the Site for personal, non-commercial purposes only, and may not copy, reproduce, distribute, scrape, or create derivative works from the Site or its Content without our prior written consent, except as permitted by applicable law.
9. Prohibited Uses
You agree not to: (a) use the Site for any unlawful purpose; (b) attempt to gain unauthorized access to the Site or its systems; (c) interfere with or disrupt the Site’s operation; (d) scrape, harvest, or systematically extract data from the Site without our prior written consent; or (e) misrepresent your identity or affiliation with any person or entity.
10. Termination
We may suspend or terminate your access to the Site at any time, for any reason or no reason, without notice or liability. Sections of these Terms that by their nature should survive termination (including Disclaimer of Warranties, Limitation of Liability, Indemnification, and Dispute Resolution) will survive.
11. Governing Law
Wisconsin law governs these Terms except that mandatory protections of your place of residence continue to apply. The Federal Arbitration Act governs the arbitration agreement below.
12. Binding Arbitration and Class Action Waiver
BINDING INDIVIDUAL ARBITRATION; JURY AND CLASS ACTION WAIVER. Except for eligible individual small-claims cases and claims that applicable law requires to remain in court, you and Delta Dividends LLC agree to resolve disputes about the Site or these Terms through individual arbitration administered by the American Arbitration Association under its applicable Consumer Arbitration Rules. Rules and filing information are available at adr.org/consumer. Fees, hearing location, remote participation, and available remedies follow those rules and mandatory law. We pay the fees those rules require a business to pay. The arbitrator may award individual relief available under applicable law, and a court may enter judgment on the award.
Where enforceable, both parties waive jury trial and participation in class, collective, or representative proceedings for arbitrable claims. This does not restrict non-waivable public injunctive relief, regulator complaints, or remedies required by law. If AAA cannot administer a dispute and the parties cannot agree on a lawful alternative, either may bring it in a competent court. Courts in Wisconsin hear non-arbitrable disputes unless mandatory law entitles you to another forum.
You may opt out of arbitration and its associated jury and class waivers by emailing spasov.us@gmail.com with the subject “Arbitration opt-out,” your name, and account email within 30 days after first accepting this version of the Terms. Opting out does not affect your account or the remaining Terms. You may contact us to try to resolve a dispute; doing so does not prevent timely filing or a regulator complaint.
13. Force Majeure
Delta Dividends LLC will not be liable for any failure or delay in performance resulting from causes beyond its reasonable control, including acts of God, natural disaster, war, terrorism, labor disputes, internet or utility failures, or third-party service outages.
14. No Waiver; Severability
Our failure to enforce any provision of these Terms is not a waiver of that provision. If any provision of these Terms is held unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
15. Entire Agreement
These Terms, together with the Privacy Policy and Disclosure, constitute the entire agreement between you and Delta Dividends LLC regarding the Site and supersede any prior agreements or understandings, whether written or oral.
16. Changes to These Terms
Material changes will be identified by a revised date and an appropriate notice on the Site or through the linked account service. Account holders must accept the current version when prompted. Changes apply prospectively and do not retroactively remove accrued or non-waivable rights. Consent will be obtained where required by law.
17. Contact Us
Questions about these Terms can be directed to us at spasov.us@gmail.com or via our contact page.