Dividend Week — Terms of Service & Legal Disclaimer

Last Updated: September 2026

Welcome to Dividend Week (the “Publication,” “we,” “us,” or “our”). By subscribing to, accessing, or reading our newsletter, website, post archives, or related digital content, you agree to be bound by the following Terms of Service and Disclaimers.

1. Educational & Informational Content Only (Not Professional Advice)

All content published by Dividend Week is strictly for educational, analytical, and informational purposes only.

• No Financial Advice: Authors, publishers, and contributors to Dividend Week are independent market analysts, writers, and individual investors—not licensed financial advisors, registered investment advisors (RIAs), certified financial planners (CFPs), or broker-dealers. Nothing published in this newsletter constitutes a personalized recommendation to buy, sell, hold, or trade any security, option, ETF, or financial instrument.

• No Legal, Tax, or Accounting Advice: We are not attorneys, certified public accountants (CPAs), tax preparers, or legal professionals. Content concerning tax efficiency, options taxation, account types (such as Roth IRAs), or dividend income treatment should be verified with a qualified tax or legal professional.

• No Medical or Healthcare Advice: Any broader commentary or analogies outside of finance are purely illustrative and do not constitute professional advice in any other discipline.

2. High Risk Warning & Potential for Loss

Trading and investing in financial markets—including individual equities, dividend growth stocks, covered calls, cash-secured puts, and other options strategies—involves substantial risk of loss.

• Capital at Risk: Market prices fluctuate constantly. There is no guarantee that dividend yields will be maintained or that option strategies will be profitable. You can lose some or all of your invested capital.

• Options Trading Risks: Options involve leverage, assignment risks, and expiration decay. Strategies such as selling covered calls or cash-secured puts carry specific downside risks and profit caps that every investor must understand prior to execution.

• Perform Your Own Due Diligence: You should never make an investment decision based solely on information read in this publication. Before making any investment, seek advice from a licensed financial advisor and carefully consider your personal risk tolerance, financial situation, and investment objectives.

3. Personal Investment Disclosure & Conflicts of Interest

The writers and contributors of Dividend Week actively trade and invest in the financial markets.

• Contributors may hold long, short, or options positions in securities, ETFs, or funds mentioned in our research at the time of publication or in the future.

• While we strive to present objective analysis, readers should assume contributors may have a financial interest in the asset classes, tickers, or strategies discussed.

• We do not engage in front-running or market manipulation; however, positions may change at any time without prior notice to subscribers.

4. Accuracy of Data & Third-Party Tools

While we make every effort to ensure the accuracy and reliability of the data, charts, metrics, and options statistics presented:

• Information is gathered from public sources, third-party data providers, and financial screening software believed to be reliable, but we cannot guarantee its completeness or accuracy.

• Historical performance, statistical edges (such as gap-fill probabilities or historical yields), and backtested calculations are not indicative of future results.

• We accept no liability for any direct or consequential loss arising from reliance on any information provided in our publication.

5. Intellectual Property & Redistribution

All content, branding, newsletters, graphics, and underlying research are the intellectual property of Dividend Week.

• Personal Use Only: Subscriptions (both free and paid) are for individual, non-commercial use only.

• No Unauthorized Sharing: Paid subscriber posts, proprietary portfolio updates, or trade breakdowns may not be forwarded, republished, scraped, or resold without explicit prior written consent. Brief excerpts or quotes may be shared provided clear attribution and a link back to Dividend Week are included.

6. Subscriptions, Payments & Cancellations

• Billing: Paid subscriptions are processed securely via Substack and Stripe.

• Cancellations: You may cancel your subscription at any time through your Substack account settings. Upon cancellation, you will retain access to paid content through the end of your current billing period.

• Refunds: Refunds are handled in accordance with Substack’s standard platform policies or at our discretion.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Dividend Week, its publishers, authors, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages resulting from your access to or use of (or inability to access or use) our content, strategies, or recommendations.