Terms of Service

1. Eligibility and Authority

• You must be at least 18 years old and legally capable of entering into a binding agreement.
• You must provide accurate, current, and complete information and keep it updated.
• You represent that your use of the Service complies with all applicable laws, rules, and regulations.
• If you use the Service on behalf of an entity, you represent that you have authority to bind that entity.
• We may refuse service, suspend access, or terminate accounts at our discretion, subject to applicable law.

2. What Delta Dividends Is and Is Not

Delta Dividends LLC provides self-directed trade journaling, portfolio tracking, analytics, educational content, and dividend comparison tools through its family of platforms, including options premium workflows such as cash-secured puts, covered calls, roll chains, watchlists, alerts, performance views, exports, and related features.

Delta Dividends is not a broker-dealer, investment adviser, commodity trading advisor, financial planner, tax preparer, accountant, law firm, or fiduciary. We do not execute trades, accept or custody customer funds or securities, provide investment advisory services, determine suitability, provide account-specific recommendations, or undertake any fiduciary or professional duty to you.

3. No Financial, Investment, Tax, Legal, or Accounting Advice

Nothing in the Service constitutes financial, investment, tax, legal, accounting, regulatory, compliance, or other professional advice. All content, tools, outputs, metrics, alerts, calculators, visualizations, examples, and analytics are provided for educational, informational, organizational, and recordkeeping purposes only.

3.1 No Recommendation or Solicitation

We do not recommend, endorse, or solicit any transaction in any security, option, asset, or strategy. Nothing in the Service should be interpreted as advice to buy, sell, hold, roll, assign, exercise, close, hedge, or otherwise transact in any security or derivative instrument.

3.2 No Suitability Determination; No Fiduciary Duty

We do not evaluate whether any strategy, position, or action is suitable, appropriate, or advisable for you. We do not know your objectives, financial condition, risk tolerance, tax circumstances, liquidity needs, or legal constraints, and we undertake no duty to monitor your account or warn you about any risk.

3.3 No Tax, Accounting, or Legal Advice

Any summaries, exports, P&L calculations, premium totals, basis calculations, gain or loss figures, or similar outputs are provided solely as convenience features. They are not tax forms, not tax advice, not legal advice, and not accounting advice.

3.4 Consult Qualified Professionals

Before making any financial, investment, tax, legal, or accounting decision, you should consult a licensed financial advisor, registered investment adviser, broker-dealer, CPA, enrolled agent, tax professional, and/or attorney as appropriate to your circumstances.

4. Options Trading Risk Disclosure

Options trading involves substantial risk and is not suitable for all investors.

• You may lose the entire amount committed to a position and, in some cases, more than your initial outlay.
• Cash-secured puts may result in assignment at prices materially above the market price of the underlying security.
• Covered calls cap upside and do not protect against losses in the underlying security.
• Rolling positions does not eliminate risk and may increase exposure, cost basis, complexity, or duration of loss.
• Liquidity constraints, early assignment, volatility shifts, and dividend or earnings events may materially affect results.
• Historical results, examples, scenarios, and charts are not indicative of future performance.

5. User Responsibility; No Reliance; Assumption of Risk

You are solely and exclusively responsible for all decisions, actions, omissions, trades, orders, allocations, tax positions, and financial consequences arising from your use of the Service.

• You agree not to rely on the Service as a substitute for professional advice or broker confirmations.
• You are responsible for verifying the accuracy of your own records against brokerage, tax, and custodial statements.
• You are solely responsible for monitoring expirations, assignments, dividends, earnings, and risk exposures.
• You are solely responsible for determining whether trading activity is lawful and appropriate in your jurisdiction.

6. Hypothetical, Illustrative, and Backtested Information

Any examples, scenarios, sample trades, calculators, hypothetical outcomes, model outputs, scenario projections, or simulated analytics are illustrative only. No representation is made that any user will achieve profits, avoid losses, or experience results similar to any information displayed in the Service.

7. Market Data, Alerts, and Third-Party Information

The Service may include information, market data, prices, corporate actions, earnings dates, analytics, indicators, or alerts sourced from third parties. Such data may be delayed, incomplete, inaccurate, unavailable, or corrected without notice.

• We do not guarantee the accuracy, completeness, timeliness, sequencing, or availability of any data.
• Alerts, emails, reminders, and notifications are best-efforts only and may be delayed, duplicated, or never delivered.
• You must not rely on alerts as your exclusive means of monitoring positions or obligations.

8. No Duty to Update, Correct, or Continue the Service

We may modify, suspend, discontinue, or remove any portion of the Service at any time, including any feature, plan, integration, export format, data source, or platform surface.

9. Account Security and Access

• You are responsible for maintaining the confidentiality of your credentials and all activity under your account.
• You must promptly notify us of any suspected unauthorized access or security incident.
• You may not share, sublicense, rent, sell, or transfer your account without our written consent.

10. User Data, Inputs, and Feedback

You retain your rights in your submitted data, subject to the rights necessary for us to host, process, store, back up, display, transmit, analyze, secure, and improve the Service.

If you provide feedback, suggestions, feature requests, bug reports, or ideas, you grant us a perpetual, irrevocable, worldwide, royalty-free right to use them without compensation or obligation.

11. Acceptable Use Restrictions

You agree not to:

• Use the Service for unlawful, fraudulent, deceptive, abusive, or harmful conduct.
• Reverse engineer, decompile, disassemble, copy, scrape, mirror, or extract the Service except as permitted by law.
• Use bots, automation, or unauthorized scripts to access, monitor, or interact with the Service.
• Interfere with security, rate limits, authentication, or technical safeguards.
• Use the Service to build a competing service or to republish, redistribute, or commercialize our content or data.
• Upload malicious code, attempt unauthorized access, or impair Service integrity or performance.

12. Beta, Experimental, and AI-Assisted Features

From time to time we may release beta, preview, experimental, or AI-assisted features. Such features may contain errors, omissions, instability, or breaking changes, may be withdrawn at any time, and are provided with no warranty and no commitment of continued availability.

13. Subscriptions, Billing, and Refunds

Paid features may require a subscription. By subscribing, you authorize recurring charges until you cancel. Unless required by law or expressly stated otherwise:

• Fees are billed in advance and are non-refundable.
• Subscriptions renew automatically unless canceled before the renewal date.
• You are responsible for all applicable taxes, duties, and governmental charges.
• We may change pricing, plan limits, or features upon notice.

14. Intellectual Property

The Service, including software, design, code, branding, documentation, interfaces, workflows, and related materials, is owned by Delta Dividends LLC or its licensors and is protected by intellectual property laws.

15. Third-Party Services and External Links

The Service may integrate with or link to third-party providers. We do not control and are not responsible for any third-party service, policy, act, omission, content, or outage.

16. Electronic Communications

By using the Service, you consent to receive electronic communications from us, including notices, disclosures, billing communications, account updates, legal notices, and other communications related to the Service.

17. Disclaimer of Warranties

THE SERVICE IS PROVIDED “AS IS,” “AS AVAILABLE,” AND WITH ALL FAULTS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, DELTA DIVIDENDS DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE.

• We do not warrant that the Service will be uninterrupted, secure, error-free, or free of malware or harmful components.
• We do not warrant that data, analytics, calculations, exports, charts, or alerts are accurate, complete, current, or suitable for your needs.
• We do not warrant any particular business, financial, tax, or investment result from using the Service.
• Any reliance on the Service for investment, trading, tax, legal, or financial decisions is entirely at your own risk.

18. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, DELTA DIVIDENDS LLC AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, DATA PROVIDERS, CONTRACTORS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE, OR MULTIPLIED DAMAGES, OR FOR ANY LOSS OF MONEY, PROPERTY, OPPORTUNITY, DATA, GOODWILL, OR BUSINESS VALUE ARISING OUT OF OR RELATING TO THE SERVICE.

These limitations apply regardless of the theory of liability. If you are dissatisfied with the Service, your sole and exclusive remedy is to stop using it.

To the extent any liability cannot lawfully be excluded, our aggregate liability for all claims arising out of or relating to the Service will not exceed the greater of (a) the total amount you paid to us in the twelve months preceding the event giving rise to the claim or (b) one hundred U.S. dollars ($100).

19. Release

To the fullest extent permitted by law, you irrevocably release, waive, and discharge Delta Dividends LLC and its affiliates from any and all known and unknown claims, demands, liabilities, damages, losses, rights, and causes of action arising out of or relating to your trading activity, investment decisions, tax treatment, use of third-party services, reliance on data or alerts, or disputes between you and any broker, exchange, platform, advisor, or other third party.

20. Indemnification

You agree to defend, indemnify, and hold harmless Delta Dividends LLC and its affiliates from and against any claims, demands, losses, liabilities, damages, judgments, settlements, costs, and attorneys' fees arising out of or relating to your use of the Service, your violation of these Terms or applicable law, your submitted data, content, feedback, or conduct.

21. Termination

You may stop using the Service at any time. We may suspend, restrict, or terminate your access at any time, with or without notice, if we believe you violated these Terms, created legal, security, or operational risk, failed to pay fees, abused the Service, or if we discontinue the Service.

22. Governing Law

These Terms and any dispute arising out of or relating to the Service are governed by the Federal Arbitration Act and, to the extent not preempted by it, the laws of the United States and the state in which Delta Dividends LLC maintains its principal place of business, without regard to conflict-of-law principles.

23. Mandatory Informal Resolution

Before initiating arbitration or filing any claim, you and Delta Dividends agree to attempt to resolve the dispute informally for at least forty-five (45) days. To start this process, send a written notice to contact@deltadividends.com with the subject line “Legal Notice - Terms Dispute” and include your name, account email, a summary of the dispute, and the relief requested.

24. Binding Arbitration; Jury Waiver; Class Action Waiver

24.1 Agreement to Arbitrate

Except for claims that qualify for small claims court, intellectual-property claims, or claims seeking temporary equitable relief, any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved exclusively by final and binding arbitration on an individual basis.

24.2 Jury Trial Waiver

YOU AND DELTA DIVIDENDS WAIVE ANY RIGHT TO A TRIAL BY JURY OR TO LITIGATE DISPUTES IN COURT, except for the limited carve-outs expressly stated in these Terms.

24.3 Class Action Waiver

ALL CLAIMS MUST BE BROUGHT IN AN INDIVIDUAL CAPACITY ONLY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, REPRESENTATIVE, MASS, OR PRIVATE-ATTORNEY-GENERAL PROCEEDING.

24.4 Thirty-Day Opt-Out

You may opt out of this arbitration agreement within thirty (30) days of first accepting these Terms by emailing contact@deltadividends.com from your account email with the subject line “Arbitration Opt-Out.”

25. Time Limit to Bring Claims

To the fullest extent permitted by law, any claim arising out of or relating to the Service or these Terms must be brought within one (1) year after the claim arose, regardless of any statute or law to the contrary, or it is permanently barred.

26. Changes to the Terms

We may modify these Terms from time to time. Material changes may be presented through the Service, by email, or by requiring renewed acceptance. Your continued use of the Service after the effective date of revised Terms constitutes acceptance of those Terms.

27. Miscellaneous

• Entire Agreement: These Terms and our Privacy Policy are the entire agreement between you and Delta Dividends regarding the Service.
• Severability: If any provision is unenforceable, it will be modified only to the minimum extent necessary to make it enforceable.
• Waiver: Failure to enforce any provision is not a waiver of any right.
• Assignment: You may not assign these Terms without our prior written consent. We may assign freely.
• No Agency: These Terms do not create a partnership, joint venture, agency, employment, franchise, or fiduciary relationship.
• Force Majeure: We are not liable for delays or failures caused by events beyond our reasonable control.
• Survival: Sections 3, 4, 5, 6, 7, 10, 14, 17, 18, 19, 20, 22, 23, 24, 25, and 27 survive termination.

28. Contact

Questions or legal notices regarding these Terms may be sent to contact@deltadividends.com.