Terms of Service

1. Agreement to Terms

By accessing or using HeyDividend — including our website at heydividend.com and our mobile apps for iOS (iPhone and iPad) and Android — you ("User," "you," or "your") agree to be bound by these Terms of Service ("Terms"). HeyDividend is operated by HeyDividend, LLC, a California limited liability company ("HeyDividend," "the Service," "we," "us," or "our"). These same Terms cover both the website and the mobile apps. If you do not agree to these Terms, you must not access or use the Service. We reserve the right to modify these Terms at any time. Continued use of the Service after modifications constitutes acceptance of the revised Terms.

2. Eligibility

You must be at least 18 years of age (or the age of majority in your jurisdiction) to use the Service. By using HeyDividend, you represent and warrant that you meet the eligibility requirements and have the legal capacity to enter into a binding agreement. The Service is available to users in jurisdictions where its use is not prohibited by applicable law or regulation. You are responsible for ensuring that your use of the Service complies with all laws applicable to you.

3. Account Registration and Security

To access certain features, you must create an account by providing accurate and complete information. You may register using email/password or through Google OAuth. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Immediately notifying us of any unauthorized use of your account
• Ensuring that your account information remains current and accurate

We reserve the right to suspend or terminate any account that we believe is being used in violation of these Terms, for fraudulent purposes, or for any reason at our sole discretion.

5. Subscription Plans and Billing

HeyDividend offers two subscription tiers: Free and Pro. Features available to you depend on your subscription level. New users may activate a 7-day free trial of Pro without entering payment information; the trial automatically ends after 7 days unless you choose to subscribe.

5.1 How You Pay (Web vs. Mobile App)

Where you sign up determines who processes your payment:

• On the website: Payments are processed securely by Stripe, Inc. By subscribing, you authorize us to charge the payment method on file through Stripe. We do not store your full card number on our servers.
• In the iOS or Android app: Purchases are billed by the Apple App Store or Google Play through your Apple or Google account, and are managed on our side by our billing provider, RevenueCat. Apple or Google — not HeyDividend — handles the charge, and your payment details are kept by them, not by us.

A single Pro subscription unlocks the same Pro features across the website and the mobile apps. Prices are the same across platforms (currently $9.99/month or $79.99/year), though Apple or Google may show your total in your local currency and may add applicable taxes.

5.2 Auto-Renewal

Paid subscriptions automatically renew at the end of each billing cycle (monthly or annually) unless you cancel before the renewal date, and you will be charged the then-current rate at each renewal. For purchases made in the iOS or Android app, renewal is handled by the Apple App Store or Google Play, and your subscription renews unless you turn off auto-renewal in your Apple or Google account settings at least 24 hours before the period ends.

5.3 Free Trial

We may offer a 7-day free trial for eligible new subscribers. At the end of the trial period, your subscription will automatically convert to a paid subscription unless you cancel before the trial expires. You will be notified before your trial ends. Any unused portion of a free trial is forfeited when you buy a subscription, where that rule applies.

5.4 Cancellation and Refunds

You can cancel at any time. Where you cancel depends on where you subscribed: website (Stripe) subscriptions are cancelled from your account settings or by contacting us; iOS subscriptions are cancelled in your Apple App Store account settings; and Android subscriptions are cancelled in your Google Play account settings. Cancelling in the app store stops future renewals but does not retroactively refund the current period.

Upon cancellation, you keep access to paid features until the end of your current billing period. We do not issue partial refunds for unused portions of a billing period. Refunds for purchases made through the Apple App Store or Google Play are handled by Apple or Google under their own refund policies, not by HeyDividend.

5.5 Apple and Google App Store Terms

If you download or subscribe through the Apple App Store or Google Play, your use of the app is also subject to that store's terms (including, for Apple, the Apple Media Services Terms and the standard "Licensed Application End User License Agreement"). If these Terms ever conflict with the applicable app store's terms regarding your purchase, the app store's terms control for that purchase.

For the Apple App Store specifically: this agreement is between you and HeyDividend only, not with Apple, and Apple is not responsible for the app or its content. Apple has no obligation to provide support or maintenance for the app, and any product warranty claim is our responsibility, not Apple's. You confirm you are not in a country subject to a U.S. Government embargo and are not on any U.S. Government restricted-parties list. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

6. Acceptable Use Policy

You agree not to:

• Use the Service for any unlawful purpose or to violate any applicable laws or regulations
• Attempt to gain unauthorized access to the Service, other accounts, or computer systems
• Reverse engineer, decompile, or disassemble any part of the Service
• Scrape, crawl, or use automated means to collect data from the Service without prior written consent
• Redistribute, resell, or commercially exploit the content, data, or analytics provided by the Service without authorization
• Use the Service to distribute spam, malware, or other harmful content
• Interfere with or disrupt the Service or servers connected to the Service
• Impersonate any person or entity, or falsely state or misrepresent your affiliation
• Use HeyDividend AI or any other tool on the platform to generate content that constitutes investment advice for third parties

7. Intellectual Property

The Service and its original content, features, functionality, branding, and design are owned by HeyDividend and are protected by copyright, trademark, and other intellectual property laws. You retain ownership of any data you input into the Service (such as portfolio holdings and notes). By using the Service, you grant us a limited, non-exclusive license to process your data solely to provide the Service to you.

AI-generated content (including HeyDividend AI responses) is provided under license for your personal use. You may not represent AI-generated content as professional financial advice or redistribute it commercially.

8. Third-Party Services and Data

HeyDividend integrates with the following third-party services, each governed by their own terms and privacy policies:

• Stripe: Payment processing for website subscriptions (governed by Stripe's Terms)
• Apple App Store & Google Play: Billing and distribution for the iOS and Android apps (governed by the Apple Media Services Terms and Google Play Terms)
• RevenueCat: Manages in-app subscription purchases and entitlements for the mobile apps (governed by RevenueCat's Terms)
• Plaid: Financial account linking and brokerage data aggregation (governed by Plaid's Terms)
• OpenAI: AI-powered analysis through HeyDividend AI (governed by OpenAI's Terms)
• Google: Authentication (OAuth) and analytics (governed by Google's Terms)
• Financial Data Providers: Market data, dividend information, and financial analytics from multiple licensed providers

We are not responsible for the practices, content, or accuracy of these third-party services. Financial data provided through the Service may be delayed, incomplete, or inaccurate. Always verify critical financial information through official sources.

Brokerage Connections and Portfolio Sync

If you connect a brokerage account, you authorize HeyDividend, through Plaid, to retrieve your account data on a read-only basis. We receive a read-only access token only — never your brokerage username or password — and we cannot place trades, move funds, or otherwise transact on your account. After you connect, HeyDividend syncs your holdings and may re-sync them automatically on a periodic basis (and in response to update notifications from Plaid) to keep your portfolio current. You may disconnect a brokerage and revoke this access at any time from Settings → Brokerages, which stops further syncing.

Synced data is provided "as is" and may be delayed, incomplete, or inaccurate, and it depends on the availability and accuracy of your brokerage and Plaid. Positions that cannot be matched to a security in our database, and positions held in a currency other than U.S. dollars (USD), may not be imported and may be shown to you as unmatched rather than added to your portfolio. You are solely responsible for verifying your holdings against your official brokerage statements before relying on them.

9. Data Accuracy and Limitations

While we strive to provide accurate and timely financial data, we make no guarantees regarding the accuracy, completeness, timeliness, or reliability of any data, analytics, predictions, scores, or other information displayed on the Service. Financial data may be sourced from third-party providers and may be delayed by 15 minutes or more. Dividend data, stock prices, and other financial metrics are provided "as is" and may contain errors. Machine learning predictions, payout ratings, and AI-generated analyses are computational outputs and are inherently uncertain. You are solely responsible for verifying any data before relying on it for any purpose.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, HEYDIVIDEND AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• Your use of or inability to use the Service
• Any investment decisions you make based on information obtained from the Service
• Any unauthorized access to or use of our servers and/or your personal information
• Any interruption or cessation of the Service
• Any errors or inaccuracies in data, analytics, or AI-generated content
• Any financial losses arising from reliance on the Service's tools, analytics, or AI outputs

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU EXCEED THE AMOUNT YOU HAVE PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

11. Indemnification

You agree to indemnify, defend, and hold harmless HeyDividend and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any third-party rights; (d) any investment decisions you make based on information obtained from the Service; or (e) your breach of any applicable laws or regulations.

12. Dispute Resolution and Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved through binding individual arbitration, except that either party may seek injunctive or equitable relief in court for intellectual property disputes. Arbitration shall be administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules.

CLASS ACTION WAIVER: You agree that any arbitration or court proceeding shall be conducted on an individual basis and not as a class action, collective action, or representative proceeding. You waive any right to participate in a class or collective action.

13. Termination

We reserve the right to suspend or terminate your access to the Service at any time, with or without cause, and with or without notice. Upon termination, your right to use the Service will immediately cease. You may request deletion of your account and associated data by contacting support@heydividend.com. We will retain certain data as required by law or legitimate business purposes. All provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, United States, without regard to its conflict of law principles. To the extent that any legal action is permitted under these Terms, you agree that such action shall be brought in the federal or state courts located in San Francisco County, California.

15. Changes to These Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes via email or through a prominent notice on the Service. Your continued use of the Service after such modifications constitutes your acceptance of the revised Terms. If you do not agree to the modified Terms, you must stop using the Service.

16. Contact Information

For questions about these Terms of Service, please contact us at:

HeyDividend, LLC
Email: support@heydividend.com
Website: heydividend.com