1. Who you are agreeing with
These Terms are an agreement between you and Dividend Collective LLC ("Dividend Collective," "we," "us"), a Colorado partnership LLC. They govern your use of our website, our newsletter, our subscriber portal, and any related services we offer (collectively, the "Service").
2. Eligibility
You must be at least 18 years old to purchase a paid subscription. By creating an account or subscribing, you represent that you are at least 18, that the information you provide is accurate, and that your use of the Service complies with applicable laws.
3. Your account
You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. Notify us immediately at abhiram.avula01@dividendcollective.org if you suspect any unauthorized access. We may suspend or terminate accounts that violate these Terms.
4. Subscriptions, billing, and renewal
Paid memberships are billed in advance through Stripe on the cadence you select (monthly or annual). Your subscription will automatically renew at the end of each billing period using your stored payment method, until you cancel. You can cancel at any time from your account page; the cancellation takes effect at the end of your then-current billing period.
All prices are in U.S. dollars and exclude taxes that may apply based on your location. We may change prices for future billing periods on at least thirty days' notice; if you do not agree to a change, you may cancel before it takes effect.
5. Refunds
Subscriptions are non-refundable except where required by applicable law. If you believe you were charged in error, contact us within thirty days of the charge and we will review the request in good faith.
6. The newsletter is information, not advice
Dividend Collective publishes opinion, research, and educational content about publicly traded securities. Nothing on this site or in the newsletter is investment, legal, tax, or financial advice. We are not a registered investment adviser, broker-dealer, or financial planner. The model portfolio displayed on this site is an internal educational portfolio, not a managed account, and the holdings shown should not be interpreted as a recommendation that any particular security is suitable for you. Past performance is not a guarantee of future results.
You are solely responsible for your own financial decisions. Before acting on any information you read here, conduct your own research or consult a licensed financial professional.
7. Intellectual property
All content on the Service — articles, charts, logos, designs, and code — is owned by Dividend Collective or its licensors. We grant you a limited, personal, non-transferable license to access the content for your own non-commercial use while your subscription is active. You may not copy, redistribute, sell, sublicense, or post our content publicly without our written permission. Brief quotations with attribution are permitted under fair use.
8. Acceptable use
You agree not to:
- Reverse-engineer, decompile, or attempt to defeat our paywall or authentication system.
- Share your login credentials with anyone, or distribute paid content to non-subscribers.
- Use the Service for any unlawful, fraudulent, or harassing purpose.
- Probe, scan, or test the vulnerability of our infrastructure.
- Submit content that is illegal, defamatory, or infringes someone else's rights.
9. Third-party links and services
The Service contains links to third-party sites and uses third-party providers (Stripe, Supabase, Netlify, Notion). We are not responsible for the content or practices of those third parties; their terms and privacy policies apply when you interact with them.
10. Disclaimers
The Service is provided "as is" and "as available." To the maximum extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or secure, or that any information presented is current or complete.
11. Limitation of liability
To the maximum extent permitted by law, Dividend Collective and its members, employees, and agents will not be liable for any indirect, incidental, consequential, special, or punitive damages, or for loss of profits, revenue, data, or investment value, arising out of or related to your use of the Service. Our total cumulative liability for any claim relating to the Service will not exceed the greater of (a) the amount you paid us in the twelve months preceding the claim or (b) one hundred U.S. dollars.
Some jurisdictions do not allow the exclusion or limitation of certain damages, so portions of this section may not apply to you.
12. Indemnification
You agree to defend, indemnify, and hold harmless Dividend Collective from any claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising out of (a) your use of the Service, (b) your violation of these Terms, or (c) your violation of any law or third-party right.
13. Termination
You may stop using the Service or cancel your subscription at any time. We may suspend or terminate your account if you violate these Terms or if we determine in good faith that your use poses a risk to other users or to the Service. Sections 6 through 16 will survive any termination.
14. Governing law and disputes
These Terms are governed by the laws of the State of Colorado, without regard to conflict-of-law principles. The exclusive venue for any dispute that is not subject to arbitration will be the state or federal courts located in Boulder County, Colorado, and you consent to the personal jurisdiction of those courts.
15. Changes to the Terms
We may update these Terms from time to time. If the changes are material, we will update the effective date above and notify subscribers by email. Continuing to use the Service after the changes take effect means you accept the updated Terms.
16. Contact
Questions about these Terms: abhiram.avula01@dividendcollective.org.