Terms and Conditions

Last Updated: February 03, 2024

Table of Contents

1. Definitions

2. Acceptance and Modification of Terms

3. Service Description and Availability

4. User Registration and Account Management

5. Subscription Plans and Payment Terms

6. Data Protection and Privacy

7. Intellectual Property Rights

8. User Obligations and Prohibited Activities

9. Disclaimers and Warranties

10. Limitation of Liability

11. Indemnification

12. Term and Termination

13. Governing Law and Dispute Resolution

14. Miscellaneous Provisions

1. Definitions

"Agreement" means these Terms and Conditions, together with any documents they expressly incorporate by reference.

"Company", "we", "us", or "our" refers to DividendFlow OÜ, a company registered under the laws of Estonia with registration number 16416627, having its registered office at Tina tn 18-8, 10126, Tallinn, Estonia.

"Content" means any information, data, text, software, music, sound, photographs, graphics, video, messages, or other materials available through the Service.

"Intellectual Property Rights" means all intellectual property rights, including without limitation patents, trademarks, service marks, trade names, domain names, trade secrets, copyrights, moral rights, rights in databases, design rights, and any applications for the protection or registration of these rights and all renewals and extensions thereof existing in any part of the world whether now known or created in the future.

"Service" means the DividendFlow.net website, web application, and all related services, features, content, applications and products we provide.

"Subscription" means the recurring payment arrangement between the User and the Company for access to premium features of the Service.

"User", "you", or "your" means any individual or entity that uses the Service.

2. Acceptance and Modification of Terms

2.1. By accessing or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.

2.2. These Terms constitute a legally binding agreement between you and the Company.

2.3. We reserve the right to modify these Terms at any time at our sole discretion. Any modifications will be effective immediately upon posting on the Service. Your continued use of the Service following the posting of modified Terms constitutes your acceptance of such changes.

2.4. We will make reasonable efforts to notify you of material changes to these Terms by: a) Sending an email to the address associated with your account b) Displaying a prominent notice on our website c) Requiring acknowledgment before continued use of the Service

3. Service Description and Availability

3.1. The Service provides tools and features for: a) Tracking dividend payments and announcements b) Portfolio monitoring and management c) Email notifications about dividend-related events d) Access to historical dividend data e) Annual dividend income calculations

3.2. Service Availability: a) We strive to maintain 99.9% Service availability b) We reserve the right to temporarily suspend access for maintenance c) We may modify, suspend, or discontinue any aspect of the Service d) We are not liable for any Service interruptions or data delays

3.3. Data Sources and Accuracy: a) Financial data is sourced from reputable third-party providers b) Market data may be delayed by up to 24 hours c) We do not guarantee the accuracy, completeness, or timeliness of data d) Users should verify critical information from official sources

4. User Registration and Account Management

4.1. Eligibility: a) You must be at least 18 years old b) You must have the legal capacity to enter into contracts c) You must not be prohibited from using the Service under applicable laws

4.2. Account Creation: a) You must provide accurate and complete registration information b) You are responsible for maintaining the confidentiality of your credentials c) You must promptly update any changes to your account information d) We reserve the right to refuse registration or cancel accounts

4.3. Account Security: a) You are solely responsible for all activities under your account b) You must immediately notify us of any unauthorized use c) We may implement additional security measures at any time d) You may not share or transfer your account

5. Subscription Plans and Payment Terms

5.1. Subscription Options: a) Free tier with limited features b) Premium subscriptions with additional capabilities c) Enterprise plans for institutional users

5.2. Payment Terms: a) All prices are in EUR unless otherwise specified b) Payments are processed through authorized payment providers c) Subscriptions auto-renew unless cancelled 30 days prior d) We reserve the right to change pricing with 30 days notice

5.3. Refund Policy: a) 14-day money-back guarantee for new subscriptions b) Pro-rata refunds are not provided for cancellations c) Refund requests must be submitted in writing d) Refund eligibility is determined at our sole discretion

6. Data Protection and Privacy

6.1. Data Processing: a) We process personal data in accordance with GDPR b) Our Privacy Policy details our data practices c) We implement appropriate technical and organizational measures d) We may engage sub-processors as necessary

6.2. Data Subject Rights: a) Right to access personal data b) Right to rectification c) Right to erasure d) Right to data portability e) Right to object to processing

6.3. Data Security: a) Industry-standard encryption for data transmission b) Regular security audits and assessments c) Employee confidentiality agreements d) Incident response procedures

7. Intellectual Property Rights

7.1. Ownership: a) All Service elements are owned by us or our licensors b) Users retain rights to their uploaded content c) No implied licenses are granted d) All rights not expressly granted are reserved

7.2. License Grant: a) Limited, non-exclusive, non-transferable license to use the Service b) Personal, non-commercial use only c) No modification or derivative works d) No redistribution or sublicensing

7.3. Restrictions: a) No copying or scraping of Content b) No reverse engineering c) No removal of proprietary notices d) No competitive use

8. User Obligations and Prohibited Activities

8.1. General Obligations: a) Comply with all applicable laws b) Maintain accurate account information c) Use the Service responsibly d) Report violations or suspicious activity

8.2. Prohibited Activities: a) Unauthorized access or interference b) Automated data collection c) Malicious code or attacks d) Fraudulent or deceptive practices e) Content redistribution f) Service resale or white-labeling g) Competitive analysis or benchmarking

8.3. Content Guidelines: a) No illegal or harmful content b) No intellectual property infringement c) No misleading information d) No unsolicited promotional materials

9. Disclaimers and Warranties

9.1. Service Warranty Disclaimer: a) Service provided "as is" and "as available" b) No warranties of any kind, express or implied c) No guarantee of uninterrupted or error-free operation d) No warranty of fitness for particular purpose

9.2. Investment Disclaimer: a) Not financial advice or recommendations b) No guarantee of investment returns c) Past performance not indicative of future results d) Users responsible for investment decisions

9.3. Third-Party Content: a) No endorsement of third-party content b) No responsibility for accuracy c) No liability for third-party services d) Users assume all risks

10. Limitation of Liability

10.1. Liability Exclusions: a) Indirect, incidental, or consequential damages b) Lost profits or revenue c) Business interruption d) Loss of data or opportunities e) Cost of substitute services

10.2. Liability Cap: a) Maximum liability limited to subscription fees paid b) 12-month lookback period c) Exclusions required by law d) Fundamental breach exceptions

10.3. Time Limitation: a) Claims must be filed within one year b) Statute of limitations waiver c) Jurisdictional requirements d) Notice requirements

11. Indemnification

11.1. User Indemnification: a) Defense of claims b) Payment of judgments c) Settlement costs d) Attorney fees and expenses

11.2. Indemnified Claims: a) Terms violations b) Law violations c) Intellectual property infringement d) Unauthorized use

11.3. Indemnification Procedures: a) Prompt notice of claims b) Control of defense c) Cooperation requirements d) Settlement restrictions

12. Term and Termination

12.1. Term: a) Effective until terminated b) Subscription period c) Renewal terms d) Notice requirements

12.2. Termination Rights: a) User termination rights b) Company termination rights c) Immediate termination triggers d) Effect of termination

12.3. Post-Termination: a) Data retention period b) Data deletion c) Survival provisions d) Continuing obligations

13. Governing Law and Dispute Resolution

13.1. Governing Law: a) Laws of Estonia b) Excluding conflicts of law c) UN CISG exclusion d) Jurisdiction requirements

13.2. Dispute Resolution: a) Good faith negotiations b) Mandatory mediation c) Arbitration procedures d) Court proceedings

13.3. Venue and Process: a) Exclusive jurisdiction in Tallinn, Estonia b) Language of proceedings c) Service of process d) Enforcement of judgments

14. Miscellaneous Provisions

14.1. Entire Agreement: a) Complete understanding b) Prior agreements superseded c) Order of precedence d) Amendment requirements

14.2. Severability: a) Invalid provision effects b) Reformation rights c) Essential purpose d) Mutual intent

14.3. Force Majeure: a) Excused performance b) Notice requirements c) Mitigation obligations d) Termination rights

14.4. Assignment: a) User restrictions b) Company rights c) Permitted successors d) Change of control

14.5. Notices: a) Delivery methods b) Receipt presumptions c) Address changes d) Language requirements

15. Contact Information

Cronics OÜ
Tina tn 18-8, 10126
Tallinn, Estonia
Registration Number: 16416627
VAT Number: EE102452310
Email: info@dividendflow.net
Website: https://dividendflow.net

These Terms and Conditions are effective as of February 03, 2024.

© 2024 Cronics OÜ. All rights reserved.