Terms and Conditions

1. Overview of the Service

Dividonic provides informational tools and analysis intended to support decision-making around capital allocation and related planning. The Service is provided for general informational purposes only and does not constitute financial, legal, tax, or investment advice. Any output generated through the Service should be treated as one input among many in your own decision-making process.

2. Eligibility

You must be at least 18 years of age and legally capable of entering into a binding agreement to use the Service. By using the Service, you represent and warrant that you meet these requirements.

3. Use of the Service

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

• Attempt to reverse-engineer, decompile, or otherwise extract the underlying logic or source code of the Service;
• Use the Service in a manner that could disable, overburden, or impair its proper functioning;
• Use automated means to access or scrape the Service without prior written consent;
• Misrepresent your identity or affiliation when using the Service;
• Use the Service to violate any applicable law or regulation.

4. No Professional Advice

Nothing provided through the Service — including any analysis, projection, summary, or recommendation — constitutes financial, legal, accounting, or tax advice. Dividonic is not a licensed financial advisor, and outputs from the Service should not be treated as a substitute for consultation with a qualified professional. You are solely responsible for any decisions made in reliance on information obtained through the Service.

5. Accounts and Access

If any part of the Service requires you to create an account or submit information, you agree to provide accurate and current information and to keep it up to date. You are responsible for maintaining the confidentiality of any credentials associated with your access and for all activity that occurs under them.

6. Intellectual Property

All content, design elements, text, graphics, logos, and software associated with the Service are the property of Dividonic or its licensors and are protected by applicable intellectual property laws. Except as expressly permitted by these Terms, you may not copy, modify, distribute, sell, or lease any part of the Service without prior written permission.

7. Third-Party Links and Services

The Service may contain links to third-party websites or reference third-party tools that are not owned or controlled by Dividonic. We are not responsible for the content, accuracy, or practices of any third-party sites or services, and inclusion of such links does not imply endorsement.

8. Disclaimer of Warranties

The Service is provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, or accuracy of results. Dividonic does not warrant that the Service will be uninterrupted, timely, secure, or error-free.

9. Limitation of Liability

To the fullest extent permitted by applicable law, Dividonic, its officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or goodwill, arising out of or related to your use of, or inability to use, the Service, even if advised of the possibility of such damages.

10. Indemnification

You agree to indemnify and hold harmless Dividonic and its affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with your use of the Service or your violation of these Terms.

11. Changes to the Service and Terms

Dividonic reserves the right to modify, suspend, or discontinue the Service, in whole or in part, at any time without prior notice. We may also update these Terms from time to time. Any changes will be posted on this page, and continued use of the Service after such changes constitutes acceptance of the revised Terms.

12. Termination

We reserve the right to suspend or terminate your access to the Service at our discretion, without prior notice, for conduct that we believe violates these Terms or is otherwise harmful to other users, Dividonic, or third parties.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Dividonic operates, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the competent courts in that jurisdiction.

14. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect, and the invalid or unenforceable provision shall be deemed modified to the minimum extent necessary to make it valid and enforceable.

15. Contact

If you have any questions about these Terms, please get in touch through the contact details provided on our Contact page.

Last updated: this page is a general template and should be reviewed periodically to reflect any changes in the Service or applicable law.