Disclosure

Important information about the nature of our content, potential conflicts of interest, and the limitations of our services.

Educational Purpose Only

DividendCalculator.io is an educational platform designed to help individuals learn about dividend investing. All content, including calculators, articles, stock data, and tools, is provided for informational and educational purposes only.

Nothing on this website constitutes:

  • Financial advice or investment recommendations
  • Tax advice or tax planning guidance
  • Legal advice of any kind
  • A solicitation to buy, sell, or hold any securities
  • Personalized investment counsel

We strongly encourage you to consult with qualified professionals (financial advisors, tax professionals, attorneys) before making any financial decisions.

Investment Risk Disclosure

Understanding and acknowledging investment risks is crucial before making any investment decisions:

Principal Risk

All investments carry the risk of loss, including the potential loss of your entire principal investment. You could lose some or all of the money you invest.

Market Risk

Stock prices fluctuate based on market conditions, economic factors, company performance, and investor sentiment. Past performance is not indicative of future results.

Dividend Risk

Dividend payments are not guaranteed. Companies can reduce, suspend, or eliminate dividends at any time without notice due to financial difficulties, strategic decisions, or economic conditions.

Economic Risk

Broader economic factors including inflation, interest rates, geopolitical events, and recessions can significantly impact investment values and dividend payments.

Data Accuracy & Limitations

While we strive to provide accurate and timely information, please be aware of the following limitations:

Data Delays: Stock prices and dividend information may be delayed by 15-20 minutes or more. Real-time data requires professional data feeds.
Third-Party Sources: We aggregate data from multiple third-party providers. We cannot guarantee the accuracy, completeness, or reliability of external data.
Information Changes: Dividend amounts, ex-dividend dates, and company information can change. Always verify critical information from official sources (SEC filings, company investor relations).
Calculator Estimates: Our calculators provide estimates based on your inputs and certain assumptions. Actual results will vary based on real-world factors.

Calculator Limitations

Our calculators are planning and educational tools. They have inherent limitations:

  • Assumptions: Calculators assume constant dividend yields and growth rates, which rarely occur in practice.
  • Taxes: Tax calculations are estimates based on current federal rates. They do not account for state/local taxes, AMT, NIIT, or your specific tax situation.
  • Fees: Brokerage fees, expense ratios, and other costs are generally not included in projections.
  • Inflation: Future projections may not account for inflation's impact on purchasing power.
  • Reinvestment: DRIP calculations assume immediate reinvestment at current prices, which may differ from actual execution.

Affiliate & Advertising Disclosure

In the interest of full transparency:

Affiliate Relationships

DividendCalculator.io may participate in affiliate programs with brokerages, financial services, and other companies. If you click on certain links and make a purchase or open an account, we may receive compensation. This does not affect the price you pay.

Editorial Independence

Affiliate relationships do not influence our content, calculator functionality, or the information we present. We are committed to providing honest, unbiased educational content regardless of any business relationships.

Advertising

We may display advertisements from third parties. The presence of an advertisement does not constitute an endorsement of the advertiser's products or services.

No Professional Relationship

Use of DividendCalculator.io does not create any professional relationship between you and us. Specifically:

  • We are not your financial advisor, broker, or fiduciary
  • We have no obligation to update or correct information
  • We do not know your personal financial situation
  • We cannot provide personalized recommendations

Important Notice

By using DividendCalculator.io, you acknowledge that:

  • You have read and understood this disclosure
  • You will conduct your own research before investing
  • You accept full responsibility for your investment decisions
  • You will consult qualified professionals when needed

Updates to This Disclosure

We may update this disclosure from time to time to reflect changes in our practices, services, or legal requirements. Material changes will be noted with a revised date.

Last Updated: January 2026