1. No Investment Advice (Educational Purpose Only)

All materials, calculators, blog posts, glossaries, quizzes, and stock data presented on the SO Dividend website are made available strictly for educational and informational purposes only.

Under no circumstances does the information provided constitute certified financial advice, investment advisory, or tax consulting. None of the content should be construed as an invitation, endorsement, or recommendation to buy or sell any specific individual stock or financial asset. Always consult with a licensed financial professional before acting on any information.

2. No Guarantee of Data Accuracy or Reliability

• Not Real-Time: Dividend distributions, stock prices, and exchange rates may be delayed. Absolute real-time accuracy is not guaranteed.
• Potential Data Errors: Due to reliance on external third-party APIs and manual data processing, inadvertent errors or data omissions can occur. We explicitly disclaim any warranty regarding the integrity, precision, and recency of market data.
• Past Performance Indicator: Any historical dividend payout history or yields shown in the calculators do not suggest, promise, or guarantee future returns. Companies may cut or omit dividends unpredictably depending on market conditions.

3. Blog & Glossary Content Disclaimer

All blog posts, glossary explanations, and quiz materials are based on the operator's personal views and experiences, and do not represent the official position of any financial institution. Any mention of specific stocks or numerical citations in the content is absolutely not intended to solicit investment actions, and is provided purely in an educational context.

4. Users Bear Full Responsibility for Investment Results

Trading stocks and investing for dividends invariably carries the risk of significant loss of principal. Therefore, the ultimate responsibility for all investment decisions derived from utilizing our calculators and platform data lies solely with the user themselves. The authors, owners, and operators of SO Dividend accept no direct, indirect, criminal, or civil liability whatsoever for any financial loss users may incur.

5. Tax & Legal Advice Disclaimer

Tax-related information provided through the Service (such as dividend income tax, capital gains tax, etc.) is general reference information and does not constitute certified tax advice for your individual tax situation. Please consult a certified tax professional or accountant before making any tax-related decisions.

6. Service Availability & Technical Disclaimer

SO Dividend strives to provide a stable service, but temporary service interruptions or data access issues may occur under the following circumstances, and the operator is not liable for any resulting damages:

• Server maintenance, infrastructure failures, or external API service outages
• Browser updates causing local data (IndexedDB) compatibility issues
• Feature limitations while using PWA offline mode
• Access issues related to user device or network environment

7. Third-Party Links and Content Limitations

For convenience, this website may contain hyperlinks to external domains (such as financial information resources, result pages, and advertising banners) managed by third parties. We have no control over the content, accuracy, or privacy practices of those external websites and disclaim all associated liability.

8. Author Qualification Disclosure

The operators and authors of this platform are not accredited as certified investment advisors, financial institutions, or licensed financial dealers. This platform is built by individual retail investors to share quantitative dividend investing experiences and tools.