Terms of Service

Effective date: 2026-07-01

1. Who you are agreeing with

These Terms of Service (the "Terms") are a binding agreement between you and DividendIQ, a service of CRYPTOCO, INC., located at 906 W 2nd Ave Ste 100, Spokane, WA 99201 ("we", "us", or "DividendIQ"). By creating an account or using the service you agree to these Terms.

2. United States only

DividendIQ is offered only to residents of the United States. You may not use the service if you are located outside the United States. We may decline or close accounts that do not meet this requirement.

3. Your account

You are responsible for keeping your sign-in method secure and for activity under your account. You must provide accurate information and are responsible for maintaining the confidentiality of your access.

4. Subscriptions, billing, and ⓘ auto-renewal

Paid plans are sold on a monthly or annual basis. Subscriptions renew automatically at the then-current price at the end of each billing period until you cancel. You authorize us (and our payment provider) to charge your payment method for each renewal. Cancellation and refund terms are described on our Refunds & Cancellation page and are incorporated into these Terms by reference.

5. Not advice — disclaimer by reference

DividendIQ provides general, educational, and informational tools only. It is not investment, tax, financial, or legal advice, and we are not a registered investment adviser or broker-dealer. Our full Disclaimer is incorporated into these Terms by reference and you should read it in full.

6. Acceptable use

You agree not to misuse the service, including by attempting to disrupt it, access it in an unauthorized way, resell it, or use it to violate any law.

7. Disclaimers and limitation of liability

The service is provided "as is" and "as available" without warranties of any kind, to the fullest extent permitted by law. To the maximum extent permitted by law, DividendIQ will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits or investment losses, arising from your use of the service.

8. Changes to these Terms

We may update these Terms from time to time. Material changes take effect on the updated effective date shown above; continued use after that date means you accept the updated Terms.

9. Governing law

These Terms are governed by the laws of the State of Washington, without regard to its conflict-of-laws rules. You agree to the exclusive jurisdiction of the state and federal courts located in Washington for any dispute that is not otherwise resolved.

10. Contact

Questions about these Terms? Email support@dividendiq.com or see our Contact page. The operating entity is CRYPTOCO, INC..

This page is provided for general information and is pending professional legal review.