Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") govern your use of SCHD Tools website and services operated by SCHD Tools ("we," "us," or "our"). By accessing or using our service, you agree to be bound by these Terms.

If you disagree with any part of these terms, then you may not access the service. Your continued use of the service following the posting of any changes to these Terms constitutes acceptance of those changes.

2. Description of Service

SCHD Tools provides free online dividend calculator tools designed to help investors estimate dividend income, yields, and reinvestment returns for various stocks, ETFs, and other securities. Our services include:

• Dividend income calculators for 56+ securities
• Dividend yield calculations
• Reinvestment scenario modeling
• Educational content about dividend investing
• Financial planning tools and resources

3. User Eligibility

By using our service, you represent and warrant that:

• You are at least 18 years of age
• You have the legal capacity to enter into this agreement
• You will use the service in compliance with all applicable laws
• All information you provide is accurate and current
• You will not use the service for any unlawful purpose

4. Acceptable Use Policy

You agree not to use the service to:

5. Financial Disclaimer

6. Data Accuracy and Limitations

While we strive to provide accurate and up-to-date information:

• Financial data may not be real-time and could contain errors
• Calculator results are estimates based on provided inputs
• We do not guarantee the accuracy of any calculations
• Market conditions can change rapidly affecting projections
• Users should verify all information independently

7. Intellectual Property Rights

The service and its original content, features, and functionality are owned by SCHD Tools and are protected by:

• Copyright, trademark, and other intellectual property laws
• International copyright treaties and conventions
• Trade secret and proprietary information protections

You may not reproduce, distribute, modify, or create derivative works of our content without explicit written permission.

8. Privacy and Data Protection

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your information:

9. Limitation of Liability

To the maximum extent permitted by applicable law, SCHD Tools shall not be liable for:

• Any direct, indirect, incidental, or consequential damages
• Loss of profits, revenue, or business opportunities
• Financial losses resulting from investment decisions
• Errors or inaccuracies in calculations or data
• Service interruptions or unavailability
• Third-party actions or content

Your sole remedy for dissatisfaction with the service is to stop using it.

10. Indemnification

You agree to defend, indemnify, and hold harmless SCHD Tools and its officers, directors, employees, and agents from and against any claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including attorney's fees) arising from your use of the service or violation of these Terms.

11. Service Availability

We strive to maintain service availability but cannot guarantee uninterrupted access:

• Service may be temporarily unavailable for maintenance
• We may modify or discontinue features without notice
• Access may be restricted based on technical limitations
• Third-party service dependencies may affect availability

12. Termination

We may terminate or suspend your access immediately, without prior notice, for conduct that we believe:

• Violates these Terms of Service
• Is harmful to other users or third parties
• Violates applicable laws or regulations
• Is otherwise objectionable in our sole discretion

Upon termination, your right to use the service will cease immediately, but these Terms will remain in effect.

13. Changes to Terms

We reserve the right to modify these Terms at any time. When we do:

• Updated Terms will be posted on this page
• The "Last updated" date will be revised
• Significant changes will be communicated via website notice
• Continued use constitutes acceptance of new Terms

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms will be brought exclusively in the courts of [Your Jurisdiction].

15. Severability

If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions will remain in effect. The invalid provision will be modified to be enforceable while preserving the intent of the original provision.

16. Contact Information

If you have questions about these Terms of Service, please contact us: