Terms of service

These terms are between you and the operator of SmartDividend (“we”). Using SmartDividend means accepting them. They are governed by the laws of the operator's jurisdiction of establishment.

• You must give an email address you control, and keep your sign-in details to yourself.
• One person per account. Do not share credentials.
• You are responsible for what happens under your account, and for the accuracy of the records you enter or import.

SmartDividend is a record-keeping and analysis tool. Everything it shows you — projections, scores, signals, verdicts, screens, and any AI-generated commentary — is information, not advice. It is not a recommendation to buy, sell or hold anything, and it is not a substitute for a licensed adviser.

Figures are derived from data you supply and from third-party market feeds that can be delayed, incomplete or wrong. We do not warrant their accuracy. Investment decisions, and their consequences, are yours.

• Do not attempt to access another user’s data, or to probe, scan or overload the service.
• Do not automate access outside any interface we provide for it, or re-sell the data feeds we surface.
• Do not use the service unlawfully, or to store data you have no right to hold.

We may suspend an account that is being used this way, and will say why where we lawfully can.

The records you enter and import belong to you. We claim no ownership over them and do not use them to train models.

You can export them at any time, and that remains true if your subscription lapses or you cancel — losing paid features never means losing access to your own financial history. Deleting your account deletes those records; see the privacy notice.

We aim to keep the service running but do not guarantee uninterrupted availability. Features that depend on third parties — market data, email delivery, exchanges — can fail for reasons outside our control.

To the fullest extent the law allows, we are not liable for investment losses, lost profits, or damages arising from your use of the service or from inaccuracies in third-party data. Nothing here limits liability that cannot lawfully be limited, including for death, personal injury, or fraud. Where liability cannot be excluded, it is limited to the amount you paid us in the 12 months before the event giving rise to the claim.

You can stop using the service and delete your account at any time. We may change these terms; if a change materially affects you we will give notice before it takes effect.