Terms of Use

Last updated: 2 May 2026

These Terms of Use ("Terms") govern your access to and use of the DivTracker mobile application and the website at divtracker.net (together, the "Service"). The Service is provided by DivTracker LLC, a California limited liability company with its registered office at 2108 N St Ste N, Sacramento, CA 95816, USA ("DivTracker", "we", "our", "us").

PLEASE READ THESE TERMS CAREFULLY. They include an agreement to resolve disputes through individual binding arbitration rather than in court (Section 16) and a waiver of your right to participate in class actions, class arbitrations, and representative proceedings. By accessing or using the Service, you agree to be legally bound by these Terms and acknowledge our Privacy Policy. If you do not agree, you must not access or use the Service.

1. Acceptance and binding agreement

By downloading, installing, accessing, or using the Service, you accept these Terms and form a binding contract with DivTracker LLC. If you are using the Service on behalf of an organization, you represent that you have authority to bind that organization to these Terms, in which case "you" refers to that organization. If you do not have such authority, or if you do not agree, you may not use the Service.

2. Eligibility

You must be at least 13 years old to use DivTracker. By using the Service, you represent that you meet this requirement and that any information you provide is accurate. The Service is not directed to children under 13, and we do not knowingly collect personal information from children under 13.

3. Apple's Standard EULA (iOS only)

Your download and use of the DivTracker iOS app from the App Store is also governed by Apple's Licensed Application End User License Agreement ("Apple Standard EULA"). To the extent these Terms conflict with the Apple Standard EULA on iOS, the Apple Standard EULA controls for the iOS app only. You acknowledge that Apple is a third-party beneficiary of these Terms with respect to the iOS app and may enforce these Terms against you.

4. The app and your data

DivTracker is a tracking and analytics tool. You enter your portfolio data manually or via import. You are responsible for keeping backups of your data; see the Support page for instructions on exporting and restoring.

5. Subscriptions and purchases

DivTracker offers an optional Premium subscription. Subscriptions are billed by Apple (on iOS) or Google (on Android) and are governed by the App Store and Google Play terms in addition to these Terms.

• Payment is charged to your Apple ID or Google Play account at confirmation of purchase.
• Subscriptions auto-renew at the end of each billing period unless canceled at least 24 hours before the end of the period.
• You can manage and cancel subscriptions in the App Store or Google Play settings on your device.
• Refunds, where available, are handled by Apple or Google according to their policies.

6. Not financial, investment, or tax advice

DivTracker provides software for tracking and analyzing user-supplied portfolio data. It is not a brokerage, investment advisor, financial planner, tax advisor, or fiduciary, and nothing in the Service constitutes financial, investment, or tax advice or a recommendation to buy or sell any security. You are solely responsible for your investment decisions and you bear all associated risks.

7. Market data

Prices, dividend history, and other market data shown in the Service are obtained from third-party providers and may be delayed, inaccurate, or incomplete. DivTracker does not guarantee the accuracy, completeness, or timeliness of any data and is not liable for losses arising from reliance on it.

8. Acceptable use

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable law or regulation.
• Reverse engineer, decompile, or attempt to extract the source code of the app, except where permitted by law.
• Interfere with or disrupt the Service, the servers it runs on, or networks connected to it.
• Use the Service to redistribute market data in violation of the data providers' terms.
• Misuse the Service in any way that could damage, disable, or impair its functionality for other users.
• Take any action that harms or attempts to harm DivTracker, its affiliates, its users, its reputation, or the integrity or availability of the Service — including, without limitation, security probing, denial-of-service activity, unauthorized data scraping, payment fraud, or false or abusive complaints to Apple, Google, or payment processors.
• Hold DivTracker, its officers, employees, or contractors personally liable, in any forum, for matters that under these Terms are limited or disclaimed (see Sections 11–13 and 16).

9. Intellectual property

The Service, including its software, design, text, graphics, and logos, is owned by DivTracker and protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to use the Service for personal, non-commercial purposes. All other rights are reserved.

10. Third-party services

The Service integrates with services operated by Apple, Google, and other third parties. Your use of those services is governed by their own terms and privacy policies. We are not responsible for the practices of third parties.

11. Disclaimer of warranties; no guarantees; sole remedy

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTIES OR GUARANTEES OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, QUIET ENJOYMENT, AND NON-INFRINGEMENT.

WITHOUT LIMITING THE FOREGOING, DIVTRACKER MAKES NO REPRESENTATION OR GUARANTEE THAT:

• the Service will be uninterrupted, available at any given time, error-free, secure, or compatible with any device or software;
• any data shown in the Service — including prices, dividends, yields, growth, valuations, projections, forecasts, or analytics — is accurate, complete, current, or fit for any purpose;
• your portfolio data, transactions, watchlists, settings, or any other content will be preserved, restored, synchronized, or free from loss, corruption, or unauthorized access;
• the Service will produce any particular financial, investment, tax, or other outcome, or that any forecast or projection will be realized;
• the Service will continue to be offered, supported, or maintained, or that any feature, ticker, market, or capability will remain available.

You use the Service entirely at your own risk and assume full responsibility for any decisions made, actions taken, or consequences arising from your use.

Sole remedy. If at any time you are dissatisfied with the Service for any reason whatsoever — including, without limitation, the accuracy or availability of data, the behavior of any feature, the cost of any subscription, or any change to these Terms — your sole and exclusive remedy is to stop using the Service and uninstall the app. Beyond what is required by applicable law (and, on iOS, anything offered by Apple under the Apple Standard EULA), DivTracker owes no refund, compensation, damages, or other recourse, and the limits in Sections 12 and 13 apply in full.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OF CERTAIN REMEDIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. IN SUCH JURISDICTIONS, OUR OBLIGATIONS ARE LIMITED TO THE MINIMUM EXTENT PERMITTED BY LAW.

12. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, NEITHER DIVTRACKER NOR ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR INVESTMENT VALUE, ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR YOUR USE OF (OR INABILITY TO USE) THE SERVICE, WHETHER BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL CUMULATIVE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) USD 50.

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability is limited to the smallest extent permitted by law.

13. Indemnification

To the fullest extent permitted by law, you agree to indemnify, defend, and hold harmless DivTracker LLC and its officers, directors, employees, agents, and licensors from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your access to or use of the Service; (b) your violation of these Terms; (c) your violation of any third-party right, including any intellectual property, privacy, or contractual right; or (d) any investment, trading, tax, or financial decision you make based on information obtained through the Service. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you agree to cooperate with our defense.

14. Termination

You may stop using the Service at any time by uninstalling the app. We may suspend or terminate access to the Service for any user who violates these Terms or whose use causes harm to the Service or other users. Sections that by their nature should survive termination — including, without limitation, Sections 9 (Intellectual property), 11 (Disclaimer of warranties), 12 (Limitation of liability), 13 (Indemnification), 16 (Governing law and dispute resolution), and 17 (Severability and entire agreement) — will survive.

15. Changes to these Terms

We may update these Terms from time to time. When we do, we will revise the "Last updated" date at the top of this page and, for material changes, provide a more prominent notice in the app or by email where reasonably practicable. Continued use of the Service after a revision constitutes acceptance of the updated Terms.

16. Governing law and dispute resolution

16.1 Governing law

These Terms and any dispute arising out of or relating to them or the Service are governed by the laws of the State of California, USA, and applicable U.S. federal law, without regard to conflict-of-laws principles. The U.N. Convention on Contracts for the International Sale of Goods does not apply.

16.2 Informal dispute resolution

Before filing any claim, you agree to first try to resolve the dispute informally by contacting us at trackerdividend.feedback@gmail.com with a written description of the dispute, your contact information, and the relief you are seeking. We will try in good faith to resolve the dispute within 60 days of receiving your notice. If the dispute is not resolved within that period, either party may proceed to arbitration under Section 16.3.

16.3 Binding individual arbitration

You and DivTracker agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved exclusively by final, binding, individual arbitration, and not in court. The Federal Arbitration Act (9 U.S.C. § 1 et seq.) governs the interpretation and enforcement of this arbitration agreement.

The arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, as modified by these Terms. The arbitration will be conducted by a single arbitrator. The seat of arbitration will be Sacramento County, California, USA, although you may elect to participate by telephone, video, or written submissions, or appear in person at a location reasonably convenient to you. Judgment on the arbitrator's award may be entered in any court having jurisdiction.

16.4 Class action waiver; jury trial waiver

YOU AND DIVTRACKER AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, REPRESENTATIVE, OR PRIVATE ATTORNEY GENERAL ACTION. The arbitrator may not consolidate more than one person's claims and may not preside over any form of class or representative proceeding. If a court or arbitrator decides this class action waiver is unenforceable as to a particular claim, that claim (and only that claim) will be severed from arbitration and brought in a court of competent jurisdiction; the rest of this Section 16 will continue to apply.

YOU AND DIVTRACKER EACH WAIVE ANY RIGHT TO A TRIAL BY JURY in any action or proceeding arising out of or relating to these Terms or the Service.

16.5 Exceptions to arbitration

This arbitration agreement does not apply to:

• claims that may be brought in a small-claims court of competent jurisdiction, so long as the matter remains in that court and is brought on an individual (non-class, non-representative) basis; and
• claims for injunctive or equitable relief to stop or prevent unauthorized use or misuse of the Service or infringement of intellectual property rights, which may be brought in any court of competent jurisdiction.

16.6 30-day right to opt out of arbitration

You may opt out of this arbitration agreement (Section 16.3 and 16.4) by sending us written notice within 30 days of first accepting these Terms, by email to trackerdividend.feedback@gmail.com with the subject line "Arbitration Opt-Out", and stating your full name, the email address associated with your DivTracker use, and a clear statement that you wish to opt out. If you opt out, neither you nor DivTracker will be required to arbitrate disputes under this Section 16, but the rest of these Terms will remain in full effect.

16.7 Forum for non-arbitrable claims

For any dispute that is not subject to arbitration (including any opt-out under Section 16.6), you and DivTracker agree to submit to the exclusive personal jurisdiction of the state and federal courts located in Sacramento County, California. Nothing in this Section limits any non-waivable right you have under the consumer-protection laws of your country of residence.

17. Severability and entire agreement

Severability. If any provision of these Terms is held invalid or unenforceable, that provision will be enforced to the maximum extent permitted, and the remaining provisions will remain in full force and effect.

No waiver. Our failure to enforce any right or provision of these Terms is not a waiver of that right or provision.

Assignment. You may not assign or transfer these Terms or any rights hereunder without our prior written consent. We may assign these Terms at any time, including in connection with a merger, acquisition, or sale of assets.

Entire agreement. These Terms, together with the Privacy Policy and (for the iOS app) the Apple Standard EULA, constitute the entire agreement between you and DivTracker regarding the Service and supersede any prior agreements, communications, or understandings on the subject.

18. Contact

Questions about these Terms? Email us at trackerdividend.feedback@gmail.com.

DivTracker is operated by DivTracker LLC, with its registered office at 2108 N St Ste N, Sacramento, CA 95816, USA.