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Terms

TERMS OF USE

Effective Date: 2026-01-12

Operator: RichCo Asset Management, LLC, an Illinois limited liability company ("Company," "we," "our," or "us")

Last Updated: 2026-01-12

ACCEPTANCE OF TERMS

By accessing, browsing, or using this website (the "Site"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Use (the "Terms"), our Privacy Policy, and our Disclaimer.

IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT ACCESS OR USE THE SITE.

We reserve the right to modify these Terms at any time. Changes will be posted on this page with a new "Last Updated" date. Your continued use of the Site after changes become effective constitutes acceptance of the revised Terms.

1. GENERAL DISCLAIMER AND NATURE OF CONTENT

The Site provides information, commentary, analysis, opinions, and educational materials related to investing, financial markets, securities, and related topics.

ALL MATERIALS ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED.

Nothing on this Site constitutes:

  • Investment advice or recommendations tailored to your specific circumstances
  • Legal advice or attorney-client communications
  • Tax advice or professional tax guidance
  • An offer or solicitation to buy or sell any security, investment product, or financial instrument
  • A recommendation, endorsement, or guarantee regarding any security, strategy, or financial product

Content on this Site is for general informational and educational purposes only.

B. AI-ASSISTED CONTENT DISCLOSURE

IMPORTANT: Content on this Site may be authored, co-authored, researched, fact-checked, analyzed, edited, or otherwise created or influenced by artificial intelligence (AI), large language models (LLMs), and other automated technologies.

  • AI tools are used to assist with content generation, data analysis, research, calculations, editing, and verification.
  • Despite review and oversight, AI-assisted content may contain errors, inaccuracies, inconsistencies, fabricated information ("hallucinations"), outdated data, computational mistakes, or unintended outputs due to limitations in AI systems, training data, or model capabilities.
  • WE MAKE NO WARRANTIES that AI-assisted content is accurate, complete, reliable, current, or suitable for any particular purpose.
  • You are solely responsible for independently verifying all information, data, calculations, facts, and conclusions before relying on them for any purpose.

C. NO WARRANTIES

We expressly disclaim all warranties, including but not limited to:

  • Warranties of merchantability or fitness for a particular purpose
  • Warranties of accuracy, completeness, timeliness, reliability, or non-infringement
  • Warranties that the Site will be uninterrupted, secure, or error-free
  • Warranties regarding third-party content, data, or services

D. INDEPENDENT PROFESSIONAL ADVICE REQUIRED

You must consult qualified professionals before making any financial, investment, legal, or tax decisions:

  • Licensed financial advisors or investment professionals
  • Attorneys licensed in your jurisdiction
  • Certified public accountants (CPAs) or tax professionals
  • Other specialists appropriate to your specific circumstances

No content on this Site replaces personalized professional advice.

2. USE RESTRICTIONS AND PROHIBITED ACTIVITIES

You agree that you will NOT:

A. CONTENT REPRODUCTION AND REDISTRIBUTION

  • Copy, reproduce, republish, download, upload, post, transmit, distribute, publicly display, or create derivative works from any part of the Site without our prior written permission
  • Republish Site content in investment newsletters, research services, paid publications, commercial offerings, or competitive services without explicit written authorization
  • Remove, alter, or obscure any copyright notices, trademarks, disclaimers, or proprietary markings

B. LINKING, FRAMING, AND EMBEDDING RESTRICTIONS

  • Deep-link to internal pages in a way that bypasses the Site's homepage, misrepresents affiliation, implies endorsement, or circumvents authentication, paywalls, or intended navigation structure
  • Frame, mirror, or embed any part of the Site within another website, application, service, or platform without our prior written consent
  • Suggest, imply, or misrepresent any affiliation with, sponsorship by, or endorsement from the Company through links, references, or other means

PERMITTED LINKING: You may link to the Site's homepage or specific articles for educational, commentary, news, or fair use purposes, provided you:

  • Include clear attribution with a functional hyperlink to the original source
  • Do not misrepresent, distort, or decontextualize the content
  • Do not imply endorsement, partnership, or affiliation with the Company
  • Quote only limited excerpts, not entire articles or substantial portions
  • Comply with copyright law and fair use principles

We reserve the right to revoke any linking permissions at any time without notice.

C. AUTOMATED ACCESS AND DATA EXTRACTION

  • Use any automated system, including but not limited to bots, spiders, robots, scrapers, crawlers, or data mining tools, to access, extract, download, index, or harvest content or data from the Site without express written authorization
  • Aggregate, compile, or create derivative databases, datasets, or collections from Site content or data
  • Use Site content or data to train, develop, or improve artificial intelligence, machine learning, language models, or other automated systems without explicit written permission
  • Reverse engineer, decompile, disassemble, or otherwise attempt to derive source code, algorithms, technical implementations, or proprietary methods used on the Site

D. HARMFUL OR UNLAWFUL ACTIVITIES

  • Use the Site for any unlawful, fraudulent, harmful, or unauthorized purpose
  • Interfere with, disrupt, or impose unreasonable burden on the Site's infrastructure, servers, networks, or services
  • Attempt to gain unauthorized access to the Site, user accounts, computer systems, or networks connected to the Site
  • Introduce viruses, malware, trojans, worms, or other harmful code or components
  • Impersonate any person or entity, or falsely state or misrepresent your affiliation with any person or entity
  • Harass, threaten, intimidate, defame, or harm other users or the Company

E. VIOLATIONS AND ENFORCEMENT

We reserve the right to:

  • Monitor the Site for violations of these Terms
  • Block IP addresses, user agents, or accounts engaged in prohibited activities
  • Suspend or terminate access to the Site without notice
  • Remove or disable content that violates these Terms
  • Report violations to law enforcement or regulatory authorities
  • Pursue legal remedies, including injunctive relief and monetary damages

3. INTELLECTUAL PROPERTY RIGHTS

A. OWNERSHIP

All Site content, including but not limited to:

  • Text, articles, commentary, analysis, research, and educational materials
  • Images, graphics, photographs, illustrations, charts, and diagrams
  • Logos, trademarks, service marks, and brand elements
  • Software, code, scripts, databases, and technical implementations
  • Design elements, layout, structure, and "look and feel"
  • Audio, video, and multimedia content
  • Compilation, organization, and arrangement of content

...is the exclusive property of the Company or its licensors and is protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

B. LIMITED LICENSE

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to:

  • Access and view Site content for personal, non-commercial, educational use
  • Print or download limited excerpts for personal reference (not redistribution)

This license does not include any right to:

  • Modify, adapt, translate, or create derivative works
  • Use content for commercial purposes without written permission
  • Remove or alter proprietary notices
  • Publicly display, perform, or distribute content

C. TRADEMARKS

Dividendideas.com, the Site name, logos, and related marks are trademarks or registered trademarks of the Company. You may not use these marks without our prior written consent. All other trademarks, service marks, and trade names mentioned on the Site are the property of their respective owners.

D. UNSOLICITED SUBMISSIONS

Any ideas, suggestions, feedback, comments, improvements, or other submissions you provide to us ("Submissions") shall become our sole and exclusive property without compensation or obligation to you.

By making Submissions, you:

  • Grant us a perpetual, irrevocable, worldwide, royalty-free, transferable license to use, reproduce, modify, adapt, publish, distribute, and exploit the Submissions in any manner
  • Waive any moral rights or attribution rights in the Submissions
  • Represent that you have the right to make the Submissions and grant these rights

We are under no obligation to review, acknowledge, respond to, or use any Submissions.

If you believe content on the Site infringes your copyright, submit a notice under the Digital Millennium Copyright Act (DMCA) to:

RichCo Asset Management, LLC
Attn: DMCA Agent
info@dividendideas.com

Your notice must include:

  • Identification of the copyrighted work claimed to be infringed
  • Identification of the allegedly infringing material and its location on the Site
  • Your contact information (name, address, email, phone)
  • A statement that you have a good faith belief the use is not authorized
  • A statement under penalty of perjury that the information is accurate and you are authorized to act on behalf of the copyright owner
  • Your physical or electronic signature

We will respond to valid DMCA notices in accordance with applicable law.

4. USER-GENERATED CONTENT AND COMMUNITY GUIDELINES

If the Site permits user comments, submissions, or other user-generated content ("User Content"), the following rules apply:

A. PROHIBITED USER CONTENT

You may not post, upload, or submit User Content that:

  • Is unlawful, defamatory, libelous, obscene, pornographic, threatening, harassing, hateful, or discriminatory
  • Violates intellectual property rights, privacy rights, or other legal rights of any party
  • Contains viruses, malware, or harmful code
  • Impersonates any person or entity or misrepresents your affiliation
  • Constitutes spam, unsolicited advertising, or promotional material
  • Discloses confidential, proprietary, or sensitive information without authorization
  • Violates securities laws (such as illegal stock promotion or market manipulation)

B. MODERATION AND REMOVAL

We reserve the right to:

  • Review, monitor, edit, or remove any User Content at any time without notice
  • Refuse to post or publish User Content
  • Suspend or terminate accounts that violate these Terms

We are under no obligation to monitor User Content but may do so at our discretion.

C. LICENSE TO USER CONTENT

By posting User Content, you grant us a perpetual, irrevocable, worldwide, royalty-free, sublicensable, transferable license to:

  • Use, reproduce, modify, adapt, publish, distribute, publicly display, and create derivative works from your User Content
  • Use your name, likeness, or username in connection with the User Content
  • Sublicense these rights to third parties

You retain ownership of your User Content but grant us these broad rights for operational, promotional, and commercial purposes.

D. REPRESENTATIONS AND WARRANTIES

By posting User Content, you represent and warrant that:

  • You own or have the necessary rights, licenses, and permissions to the User Content
  • The User Content does not violate any laws, regulations, or third-party rights
  • The User Content is accurate and not misleading (to the best of your knowledge)

5. SUBSCRIPTIONS, BILLING, PAYMENTS, AND REFUNDS

This Section 5 governs all paid subscriptions, billing, payments, refunds, and related matters for the Site.

A. SUBSCRIPTION TIERS AND ACCESS LEVELS

The Site offers multiple access levels:

  • Free Access (Unregistered): Certain content is available to visitors without registration. The scope of free unregistered content is determined at our sole discretion and may change without notice.
  • Free Access (Registered): Registered members who create a free account may access additional content beyond what is available to unregistered visitors. The scope of free registered content is determined at our sole discretion and may change without notice.
  • Paid Subscriber Access: Paid subscribers receive full access to the Site, including all premium content, features, and materials (such as portfolio data and analysis) that are designated as subscriber-only. The specific content and features included in paid subscriptions are determined at our sole discretion and may change over time.

We reserve the right to modify, add, or discontinue access tiers, features, or content at any time without notice or liability.

B. SUBSCRIPTION BILLING OPTIONS

Paid subscriptions are available in the following billing configurations:

  • Monthly Subscription: Billed on a recurring monthly basis, beginning on the date of initial subscription and recurring on the same calendar day each month (or the closest available day for months with fewer days).
  • Annual Subscription: Billed on a recurring annual basis at a discounted rate compared to the cumulative monthly subscription cost. Annual subscriptions begin on the date of initial subscription and renew on the same calendar date each year.

The specific pricing for each subscription option is displayed at the time of purchase. By subscribing, you agree to pay the subscription fee applicable to your selected billing option.

C. AUTOMATIC RENEWAL AND PRICING

AUTOMATIC RENEWAL NOTICE: ALL PAID SUBSCRIPTIONS AUTOMATICALLY RENEW AT THE END OF EACH BILLING PERIOD UNLESS YOU CANCEL BEFORE THE RENEWAL DATE.

  • Monthly subscriptions automatically renew each month until canceled.
  • Annual subscriptions automatically renew each year until canceled.

RENEWAL PRICING: Subscriptions renew at the then-current prevailing price for your subscription type. Prices are subject to change, and your renewal may be at a different rate than your initial subscription or prior renewal. We are not obligated to provide advance notice of price changes, though we may do so at our discretion. By maintaining an active subscription, you agree to pay the prevailing price at each renewal.

NO PRICE LOCK-IN: Your initial subscription price does not guarantee the same price for future renewals. There is no price lock-in, grandfathering, or legacy pricing protection.

TO AVOID BEING CHARGED FOR A RENEWAL, YOU MUST CANCEL YOUR SUBSCRIPTION BEFORE THE RENEWAL DATE. See Section 5.G below for cancellation instructions.

D. PAYMENT TERMS AND METHODS

Currency: All prices, fees, and charges are in United States Dollars (USD). We do not accept payment in other currencies.

Accepted Payment Methods: Payment must be made through Stripe, our third-party payment processor. We accept credit cards, debit cards, and other payment methods supported by Stripe at the time of your transaction. Accepted payment methods may change without notice based on Stripe's capabilities and policies.

Payment Methods NOT Accepted: We do not accept cash, personal checks, business checks, money orders, wire transfers, cryptocurrency, or any payment method not processed through Stripe.

Alternative Arrangements: If you wish to inquire about alternative payment arrangements, including barter, exchange of services, or other non-standard consideration, you may contact us at info@dividendideas.com. Any such arrangements are at our sole discretion and must be agreed upon in writing before any access is granted.

Third-Party Payment Terms: Your use of Stripe to process payments is subject to Stripe's terms of service, privacy policy, and other applicable agreements. We are not responsible for Stripe's performance, availability, fees, or policies. By subscribing, you agree to comply with Stripe's applicable terms in addition to these Terms.

Taxes: You are responsible for all applicable taxes, duties, and fees associated with your subscription. Depending on your jurisdiction, sales tax, value-added tax (VAT), or other taxes may apply and will be calculated and collected as required by law.

Payment Authorization: By providing payment information and subscribing, you authorize us (through Stripe) to charge your designated payment method for the initial subscription fee and all subsequent renewal fees until you cancel.

E. REFUND POLICY

NO REFUNDS: ALL SUBSCRIPTION PAYMENTS ARE FINAL AND NON-REFUNDABLE. WE DO NOT OFFER REFUNDS, PRORATED REFUNDS, PARTIAL REFUNDS, OR CREDITS FOR:

  • Unused portions of any subscription period
  • Cancellations made before the end of a billing period
  • Dissatisfaction with content, features, or services
  • Failure to use or access the Site during your subscription period
  • Changes to content, features, or access levels
  • Price reductions or promotional offers made available after your purchase
  • Technical difficulties or service interruptions
  • Any other reason

ACCESS CONTINUES UNTIL END OF BILLING PERIOD: If you cancel your subscription, you will retain paid subscriber access until the end of your current billing period. No refund or credit will be issued for the remaining time, and your access will automatically revert to free registered status at the end of the paid period.

ANNUAL SUBSCRIPTIONS: Annual subscription payments are non-refundable regardless of when you cancel during the annual term. If you cancel an annual subscription, you will retain access until the end of your annual billing period, but no refund or prorated credit will be issued for unused months.

EXCEPTIONAL REFUNDS: In rare and exceptional circumstances, we may, at our sole and absolute discretion, choose to issue a full or partial refund. Such exceptions may include documented billing errors, fraudulent charges not initiated by the subscriber, or other circumstances we deem appropriate. Exceptional refunds are not guaranteed, are evaluated on a case-by-case basis, and do not establish any precedent, policy, or entitlement to future refunds. If an exceptional refund is granted, it will generally be processed within thirty (30) business days of approval. The decision to grant or deny an exceptional refund is final and not subject to appeal.

ABUSE OR FRAUD: No refunds will be issued in connection with any subscription terminated for abuse, fraud, or violation of these Terms. See Section 5.I below.

F. FAILED PAYMENTS

New Subscribers: Your paid subscription begins only upon successful payment. If your initial payment fails, is declined, or cannot be processed, no subscription will be activated and no access to paid content will be granted. You may attempt to subscribe again with a valid payment method.

Existing Subscribers (Renewal Payments): If a renewal payment fails for an existing subscriber, we will allow a grace period of approximately three (3) days for you to update your payment information or resolve the payment issue. During this grace period, your access may continue, but we reserve the right to suspend access at any time. If the payment issue is not resolved within the grace period, your subscription will be canceled and your access will revert to free registered status.

Payment Retry and Notifications: Our payment processor (Stripe) may automatically retry failed payments and send notifications regarding payment failures. We are not responsible for the timing, delivery, or content of such notifications. It is your responsibility to ensure your payment information is current and valid.

No Obligation to Extend Grace: The grace period described above is provided as a courtesy and is not guaranteed. We reserve the right to suspend or terminate access immediately upon any payment failure, at our sole discretion.

G. CANCELLATION

How to Cancel: You may cancel your paid subscription at any time using either of the following methods:

  1. Self-Service via Member Portal: Log in to your account, access your account settings through the member Portal, and follow the prompts to cancel your subscription.
  2. Email Request: Send a cancellation request to info@dividendideas.com from the email address associated with your account. Include your name and a clear statement that you wish to cancel your paid subscription.

When Cancellation Takes Effect: Cancellation takes effect at the end of your current billing period. You will retain paid subscriber access until that date. No refund or credit will be issued for the remaining time in your billing period.

Cancellation Deadline: To avoid being charged for a renewal, you must cancel before your renewal date. Cancellations processed after a renewal charge has been initiated are not eligible for refund.

Post-Cancellation Account Status: Canceling your paid subscription does not delete your account. After your paid access ends, your account will remain active and will be downgraded to free registered status. You will retain access to content available to free registered members. If you wish to delete your account entirely, you must submit a separate account deletion request to info@dividendideas.com.

Confirmation: You should receive confirmation of your cancellation via email or through the member Portal. If you do not receive confirmation, contact us at info@dividendideas.com to verify your cancellation status.

H. SUBSCRIPTION CHANGES (UPGRADES AND DOWNGRADES)

Upgrades (Monthly to Annual): If you are a monthly subscriber and wish to upgrade to an annual subscription, you may do so through the member Portal or by contacting us. When you upgrade from monthly to annual, any remaining balance from your current monthly period may be applied as a credit toward your annual subscription, subject to payment processor capabilities. The specific proration and credit calculation is handled by our payment processor (Stripe).

Downgrades (Annual to Monthly): Direct downgrades from annual to monthly subscriptions are not available. If you are an annual subscriber and wish to switch to monthly billing, you must cancel your annual subscription and, after it expires at the end of your annual term, subscribe again under a monthly plan. No refund or credit will be issued for unused portions of your annual subscription.

Reversion to Free Tier: If you cancel your paid subscription (whether monthly or annual), your account will revert to free registered status at the end of your paid billing period. This is not considered a "downgrade" to a lower paid tier; it is a return to free access.

I. TERMINATION FOR ABUSE, FRAUD, OR VIOLATION OF TERMS

We reserve the right to terminate your subscription and access immediately, without notice, without refund, and without liability, if we determine in our sole discretion that you have:

  • Violated these Terms of Use, our Privacy Policy, Disclaimer, or any other applicable policies
  • Engaged in fraudulent activity, including but not limited to payment fraud, identity fraud, or misrepresentation
  • Abused the Site, its content, features, or services
  • Shared, redistributed, or made available subscriber-only content to non-subscribers
  • Attempted to circumvent access controls, authentication systems, or security measures
  • Engaged in automated scraping, data harvesting, or systematic downloading of content
  • Harassed, threatened, or harmed other users, staff, or the Company
  • Used the Site for any unlawful purpose
  • Engaged in any conduct that we determine, in our sole discretion, to be harmful to the Site, its users, or the Company

Effect of Termination for Cause: Termination under this Section 5.I is effective immediately. You will lose all access to paid content instantly, regardless of any remaining time in your billing period. No refund, prorated credit, or compensation of any kind will be provided.

Account Status: In addition to terminating your paid subscription, we reserve the right to take any additional action we deem appropriate, up to and including permanent suspension or deletion of your account, banning you from creating future accounts, reporting your conduct to law enforcement or regulatory authorities, and pursuing legal remedies including injunctive relief and monetary damages.

Sole Discretion: Determinations regarding abuse, fraud, or violations are made in our sole discretion and are final. We are not obligated to provide explanation, evidence, or opportunity to cure before taking action under this Section.

J. CHARGEBACKS AND PAYMENT DISPUTES

Contact Us First: If you have a billing concern, believe you were charged in error, or have questions about a charge, please contact us at info@dividendideas.com before initiating a chargeback or dispute with your payment provider. We will work in good faith to resolve legitimate billing issues.

Unauthorized Chargebacks: If you initiate a chargeback or payment dispute that we determine to be unwarranted, fraudulent, or in violation of these Terms, we may:

  • Immediately suspend or terminate your account and all access
  • Pursue collection of the disputed amount plus any fees, costs, and expenses incurred
  • Report the dispute to credit agencies, fraud prevention services, or law enforcement
  • Pursue legal action to recover amounts owed, including reasonable attorneys' fees and costs
  • Ban you from future subscriptions or account creation

Effect on Account: Any chargeback or payment dispute, whether or not ultimately resolved in your favor, may result in immediate suspension of your account pending investigation.

K. COMPLIMENTARY ACCESS, TRIALS, AND GIFTS

Availability: We may, at our sole discretion, offer complimentary access, free trials, promotional subscriptions, or gift subscriptions to certain individuals. Such offers are made on a case-by-case basis and do not establish any entitlement, policy, or precedent.

No Monetary Value: Complimentary access, trials, and gift subscriptions have no cash value and are not redeemable for refunds, credits, or any form of monetary compensation. If complimentary access is revoked, terminated, or expires, no refund or compensation will be provided.

Non-Transferable: Complimentary access and gift subscriptions are non-transferable and may only be used by the designated recipient.

Terms Apply: All other provisions of these Terms, including use restrictions, content policies, and termination provisions, apply to complimentary, trial, and gift subscriptions.

L. MODIFICATIONS TO SUBSCRIPTION TERMS

We reserve the right to modify subscription tiers, pricing, billing options, features, refund policies, and any other terms related to subscriptions at any time. Changes will be reflected in updated Terms of Use posted on the Site. Your continued subscription after changes become effective constitutes acceptance of the modified terms. If you do not agree with changes, your remedy is to cancel your subscription before the next renewal.

6. ERRORS, OMISSIONS, AND CONTENT UPDATES

A. NO GUARANTEE OF ACCURACY

We strive to provide accurate, current, and complete information but:

  • Content may contain errors, omissions, inaccuracies, typographical mistakes, computational errors, or outdated information
  • Third-party data, company disclosures, market data, and other source materials may themselves be inaccurate, incomplete, or subsequently restated
  • AI-assisted content may introduce errors, fabricate information, or produce incorrect outputs despite appearing accurate
  • Human errors in research, analysis, writing, or editing may occur

B. NO OBLIGATION TO UPDATE

We have no obligation to update, correct, or revise content to reflect:

  • Subsequent events, news, or developments
  • Changed market conditions or company circumstances
  • Corrections to source data or third-party information
  • New analysis or changed opinions
  • Legal or regulatory changes

Content reflects information and analysis as of the publication date unless otherwise stated.

C. DISCLAIMER OF LIABILITY

We expressly disclaim liability for any losses, damages, or adverse outcomes resulting from errors, omissions, inaccuracies, or outdated information, regardless of whether such errors arise from human mistakes, AI-assisted processes, third-party data, or other sources.

7. ACCESSIBILITY

We make reasonable efforts to ensure the Site is accessible to users with disabilities, but we do not guarantee compliance with any specific accessibility standard, including but not limited to:

  • Web Content Accessibility Guidelines (WCAG)
  • Americans with Disabilities Act (ADA) web accessibility requirements
  • Section 508 of the Rehabilitation Act

If you encounter accessibility barriers or issues, please contact us at info@dividendideas.com and we will make reasonable efforts to address your concerns.

However, we make no warranties regarding accessibility and disclaim liability for any inaccessibility or related harm.

8. SERVICE AVAILABILITY, CHANGES, AND TERMINATION

A. AVAILABILITY

We strive to maintain Site availability but do not guarantee uninterrupted or error-free access.

The Site may be temporarily unavailable due to:

  • Scheduled or emergency maintenance
  • Technical difficulties or system failures
  • Hosting or infrastructure issues
  • Cyber attacks, security incidents, or abuse
  • Force majeure events beyond our reasonable control

B. MODIFICATIONS AND DISCONTINUATION

We reserve the right to:

  • Modify, update, suspend, or discontinue any part of the Site, content, features, or services at any time without notice or liability
  • Change pricing, subscription terms, or access requirements
  • Remove or restrict access to content or features

C. ACCOUNT TERMINATION

If you maintain an account on the Site:

  • You may request account deletion by contacting us at info@dividendideas.com
  • We may suspend or terminate accounts at any time for violations of these Terms, suspicious activity, legal requirements, or for any reason at our sole discretion
  • Upon termination, your right to access the Site and any associated content or services ends immediately
  • Account termination does not relieve you of obligations incurred prior to termination

D. SURVIVAL

Provisions of these Terms that by their nature should survive termination shall survive, including but not limited to:

  • Intellectual property rights and licenses
  • Disclaimers and limitations of liability
  • Indemnification obligations
  • Governing law and dispute resolution
  • Any obligations owed to us at the time of termination

9. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

A. NO LIABILITY FOR INDIRECT OR CONSEQUENTIAL DAMAGES

THE COMPANY, ITS MEMBERS, OFFICERS, EMPLOYEES, CONTRACTORS, AGENTS, AFFILIATES, LICENSORS, AND SERVICE PROVIDERS (COLLECTIVELY, "COMPANY PARTIES") SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, EXEMPLARY, OR SPECIAL DAMAGES, INCLUDING BUT NOT LIMITED TO:

  • Loss of profits, revenues, income, or business opportunities
  • Loss of data, files, or information
  • Loss of goodwill or reputation
  • Investment losses or missed investment opportunities
  • Cost of substitute goods or services
  • Business interruption or downtime
  • Personal injury or emotional distress
  • Any other pecuniary or non-pecuniary losses

...ARISING OUT OF OR RELATED TO:

  • Your use of or inability to use the Site
  • Reliance on Site content or information
  • Investment decisions or financial outcomes
  • Errors, omissions, or inaccuracies in content (including AI-generated errors)
  • Unauthorized access, data breaches, or security incidents
  • Conduct of other users or third parties
  • Service interruptions, delays, or discontinuation
  • Any other matter relating to the Site or these Terms

...EVEN IF COMPANY PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

B. MAXIMUM LIABILITY CAP

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE TOTAL AGGREGATE LIABILITY OF COMPANY PARTIES FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SITE OR THESE TERMS SHALL NOT EXCEED THE GREATER OF:

(a) ONE HUNDRED U.S. DOLLARS ($100.00), OR
(b) THE TOTAL AMOUNT YOU PAID TO US, IF ANY, IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY

C. ESSENTIAL PURPOSE AND ALLOCATION OF RISK

These limitations of liability are fundamental elements of the agreement between you and us. The Site would not be provided without these limitations. These limitations allocate risk between parties and have been reflected in the pricing (or lack thereof) of the Site.

D. JURISDICTION-SPECIFIC LIMITATIONS

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability shall be limited to the maximum extent permitted by law.

10. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Company Parties from and against any and all claims, liabilities, damages, losses, costs, expenses, fees (including reasonable attorneys' fees), and obligations arising out of or related to:

  • Your use of or access to the Site
  • Your violation of these Terms, our Privacy Policy, Disclaimer, or any other policies
  • Your violation of any law, regulation, or third-party rights
  • Your User Content or Submissions
  • Your investment decisions or financial outcomes
  • Any misrepresentation or breach of representations made by you
  • Any dispute between you and other users or third parties

We reserve the right to assume the exclusive defense and control of any matter subject to indemnification, in which case you agree to cooperate with our defense.

This indemnification obligation survives termination of your use of the Site.

11. PRIVACY AND DATA REQUESTS

Your use of the Site is governed by our Privacy Policy.

A. DATA REQUESTS

Requests for access, correction, deletion, or portability of personal data must be submitted in writing to info@dividendideas.com.

  • We will acknowledge receipt within 60 days
  • We may take up to 180 days to process requests, unless shorter timelines are required by applicable law (such as GDPR's 30-day requirement or CCPA's 45-day requirement)
  • Complex or voluminous requests may require additional time

B. LIMITATIONS ON DATA REQUESTS

We reserve the right to deny, limit, or delay requests that:

  • Are manifestly unfounded, excessive, or repetitive
  • Are prohibited, restricted, or not required by applicable law
  • Would compromise the rights, privacy, or security of others
  • Require disclosure of confidential business information, trade secrets, or proprietary methods
  • Interfere with pending legal proceedings, investigations, or law enforcement requests
  • Cannot be verified or authenticated

We will provide written explanation for any denial or limitation.

A. PROTECTED COMMENTARY AND ANALYSIS

We publish good-faith commentary, analysis, criticism, and educational content regarding securities, investment products, financial markets, and related matters. Such content is:

  • Protected by the First Amendment and constitutes speech on matters of public interest
  • Based on publicly available information, including company disclosures, regulatory filings, market data, and third-party research
  • Subject to reasonable interpretation, opinion, and analytical judgment

B. WE WILL NOT REMOVE CONTENT IN RESPONSE TO:

  • Threats, intimidation, or baseless legal demands
  • Cease-and-desist letters lacking legal merit
  • Strategic Lawsuits Against Public Participation (SLAPP) designed to silence criticism
  • Attempts to suppress fair comment on matters of public interest

C. ANTI-SLAPP PROTECTION

Frivolous legal threats or SLAPP suits may be subject to:

  • Anti-SLAPP statutes providing for early dismissal and fee-shifting
  • Counterclaims for costs, damages, and attorney fees
  • Public disclosure and documentation of intimidation attempts
  • Referral to bar associations for ethical violations

We reserve all rights to respond to legal threats publicly, including publishing correspondence and identifying parties attempting to suppress protected speech.

D. LEGITIMATE CORRECTIONS

If you believe content contains a material factual error (not a difference of opinion or interpretation):

  • Submit documentation to info@dividendideas.com with "Factual Correction Request" in the subject line
  • Include specific citation to the allegedly erroneous statement
  • Provide credible evidence supporting the correction
  • Identify your relationship to the subject matter (if any)

We will:

  • Promptly review legitimate correction requests
  • Correct material factual errors when supported by evidence
  • Note significant corrections at the article level with date and description
  • Decline corrections that involve differences of opinion, interpretation, or analytical judgment

We have no obligation to correct matters of opinion, analysis, or immaterial errors.

13. GOVERNING LAW AND JURISDICTION

A. GOVERNING LAW

These Terms, and any disputes arising out of or related to the Site or these Terms, shall be governed by and construed in accordance with the laws of the State of Illinois, United States, without regard to its conflicts of law principles.

The United Nations Convention on Contracts for the International Sale of Goods shall not apply.

B. EXCLUSIVE JURISDICTION AND VENUE

You irrevocably agree that any legal action, suit, or proceeding arising out of or related to the Site or these Terms must be brought exclusively in the state or federal courts located in DuPage County, Illinois.

You irrevocably consent and submit to the personal jurisdiction and venue of such courts and waive any objection to jurisdiction or venue, including any claim that such courts constitute an inconvenient forum.

C. WAIVER OF CLASS ACTIONS

TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AGREE THAT ANY DISPUTE SHALL BE RESOLVED ON AN INDIVIDUAL BASIS ONLY AND NOT AS A CLASS ACTION, CONSOLIDATED ACTION, REPRESENTATIVE ACTION, OR ANY OTHER GROUP OR COLLECTIVE PROCEEDING.

You waive any right to participate in any class action, mass action, or consolidated proceeding against us.

D. LIMITATION ON TIME TO FILE CLAIMS

Any claim or cause of action arising out of or related to the Site or these Terms must be filed within one (1) year after the claim or cause of action arose. After that time, such claims are permanently barred.

14. SEVERABILITY AND WAIVER

A. SEVERABILITY

If any provision of these Terms is found invalid, illegal, or unenforceable by a court of competent jurisdiction:

  • Such provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its intent
  • If modification is not possible, the invalid provision shall be severed
  • The remainder of these Terms shall remain in full force and effect
  • The invalid provision shall not affect the validity or enforceability of the remaining provisions

B. WAIVER

Our failure to enforce any provision of these Terms, or to exercise any right or remedy, shall not constitute a waiver of such provision, right, or remedy.

Any waiver must be in writing and signed by an authorized representative of the Company to be effective.

A waiver of any breach or default shall not constitute a waiver of any subsequent breach or default.

15. ENTIRE AGREEMENT

These Terms, together with our:

...constitute the entire agreement between you and the Company regarding the Site and supersede all prior or contemporaneous agreements, communications, and understandings, whether oral or written.

No modification or amendment to these Terms shall be effective unless in writing and signed by an authorized representative of the Company.

16. CONTACT INFORMATION

For questions, concerns, or notices regarding these Terms of Use, contact us at:

RichCo Asset Management, LLC
Attn: Legal Department / Terms of Use Inquiry
info@dividendideas.com

For DMCA notices, use the DMCA Agent address in Section 3.E.
For privacy requests, use the privacy contact in our Privacy Policy.

ACKNOWLEDGMENT AND ACCEPTANCE

BY ACCESSING OR USING THIS SITE, YOU ACKNOWLEDGE THAT:

  • You have read, understood, and agree to be bound by these Terms of Use
  • You have read and agree to our Privacy Policy and Disclaimer
  • You understand the limitations, disclaimers, and risks described herein
  • You agree to use the Site solely for lawful purposes and in accordance with these Terms

IF YOU DO NOT AGREE, YOU MUST IMMEDIATELY CEASE USING THE SITE.

END OF TERMS OF USE