TERMS & CONDITIONS

Please carefully read the following terms of service ("TOS") that govern your use of the TradingForDividends.com website ("Website"). The Site is owned and operated by Wardell & Tackett LLC(‘W&T’). W&T is located in the state of New York and will adhere to all laws provided there in. All references to TradingForDividends.com include Wardell & Tackett LLC., its entities, affiliates, websites and subsidiaries.Access and usage of the TradingForDividends.com Website constitute your agreement to be bound by the Terms of Service ("TOS"). The Terms of Service ("TOS") are subject to periodic updates without prior notice. TradingForDividends.com strongly recommends periodic reviews of the terms and conditions ("TOS") to stay informed of any updates.

By accessing and using the Website, you indicate your acceptance and agreement to be bound by the terms and conditions ("TOS") contained herein. By utilizing the Website and availing yourself of the services provided therein, you expressly indicate your consent to abide by these terms and conditions (TOS), including any disclaimers, rules, and additional terms and conditions posted on or in connection with the Website. If you are dissatisfied with these Terms of Service ("TOS"), your only recourse is to discontinue the use of the Website and its services ("Services"). These TOS are governed by applicable laws and regulations of the relevant jurisdiction, without conflicting with them.

SERVICES OFFERED BY TradingForDividends.com

TradingForDividends.com provides a range of services through the Website, including articles, communication tools, search services, media galleries, analysis, commentary, video sharing, forums, social networking, and user profiles (collectively referred to as the "Services"). These Services may include advertisements from third parties. TradingForDividends.com may, at its sole discretion, communicate with users through email, newsletters, service announcements, administrative messages, and other communication channels. Any new Services introduced will also be subject to these TOS. All Services are provided "as is," and TradingForDividends.com assumes no responsibility for your use of the Services, User Profile, or Content. By using the Services, you accept responsibility for accessing the Website and Services, including any associated third-party fees (e.g., equipment fees, internet service provider charges).

PAYMENT POLICY AND PROCEDURES

Subscription Purchase: By purchasing a subscription on our Site, you agree to pay the specified subscription fee of $9.99 (USD) for a 30-day period of access to our services.
No Refunds: All subscription purchases are non-refundable. Once a subscription is purchased, no refunds will be provided for any reason, including unused portions of the subscription term.
Auto-Renewal: Subscriptions will automatically renew every 30 days from the date of purchase unless canceled by you. By purchasing a subscription, you authorize us to charge the subscription fee to the payment method provided at the time of purchase, on a recurring 30-day basis until the subscription is canceled.
Subscription Cancellation, Cancellation by the User: You may cancel your subscription at any time through the "Account Settings" section on our Site. Your subscription will remain active until the end of the current 30-day billing cycle, and you will not be charged for subsequent billing cycles after cancellation.
Cancellation by Us: We reserve the right to cancel or suspend your subscription at any time, without prior notice or liability, for reasons including but not limited to violation of these Terms and Conditions or suspected fraudulent activity.
Automatic Withdrawal and Failed Payments. Automatic Withdrawal: By purchasing a subscription, you agree to allow us to automatically withdraw the subscription fee from your provided payment method every 30 days until you cancel the subscription.
Failed Payments: In the event of a failed payment, we will make reasonable attempts to notify you and provide a grace period of 30 days to rectify the payment issue. During this grace period, your access to the subscription content may be temporarily suspended.
Subscription Cancellation due to Failed Payments: If we are unable to successfully withdraw the subscription fee after the 30-day grace period, your subscription will be automatically canceled, and your access to the subscription content will be terminated.
Changes to Terms and Conditions We reserve the right to modify or update these Terms and Conditions at any time without prior notice. It is your responsibility to regularly review these terms to stay informed of any changes.

Your personal information, including data provided when using the Website and Services, is subject to our Privacy Policy. By using the Website and Services, you consent to the collection and use of your personal information as outlined in the Privacy Policy.

ADVERTISEMENTS

TradingForDividends.com does not accept financial incentives in exchange for favorable reviews or commentary.

Advertisements may be displayed on this Website. The opinions expressed by advertisers do not necessarily reflect those of TradingForDividends.com. The Website may occasionally provide news, commentary, or analysis that includes products or services from advertisers. However, such content should not be considered an endorsement.

At TradingForDividends.com, we want to emphasize that we provide information and services for educational purposes only. We do not assume any liability for losses incurred by users resulting from investments made in advertiser products or any investment advice taken from advertisers. It is essential for users to independently verify the information obtained from advertisements and directly contact advertisers for specific inquiries about their funds, services, or products.

Compliance with TCPA guidelines is of paramount importance to us at TradingForDividends.com. We place a strong emphasis on adhering to these guidelines in all forms of communication, including but not limited to telephone calls, text messages, and emails. This commitment to compliance ensures that we operate in accordance with applicable regulations and uphold the highest standards of ethical conduct.

INVESTMENT ADVICE
The content published on this site is not intended as a recommendation for any specific person regarding securities, portfolios, transactions, or investment strategies. The authors, chat room participants, members, bloggers, information providers, and their affiliates personal advice on the nature, potential, value, or suitability of any particular security, portfolio of securities, transaction, investment strategy, or other matter. If any content on the site may be deemed as investment advice or recommendations for a specific security, it is impersonal and not tailored to individual investment needs. You acknowledge that investing in any security carries risks, and discussions about securities on the site do not include an exhaustive list or description of relevant risk factors.

The data displayed on this site is obtained from sources believed to be reliable. However, the accuracy of such data and the calculations based on it are not guaranteed by these sources, the information providers, or any other person or entity, and may not be comprehensive.

The information provided on the site is for discussion and informational purposes only. No information presented on the site should be considered as investment advice. Mitre, its partners, and employees do not warrant or guarantee the accuracy of any information on this site.

All contents of the site and associated newsletters are provided for informational and educational purposes only. The site does not provide tax, legal, insurance, or investment advice, and nothing on the site should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by tradingfordividends.com or any third party. It is solely your responsibility to determine whether any investment, security, strategy, or any other product or service is appropriate or suitable for you based on your investment objectives, personal situation, and financial condition. For specific legal or tax situations, consult an attorney or tax professional.

W&T is not liable for any losses incurred by users as a result of information obtained from or through tradingfordividends.com or investments made in any products of an advertiser or based on any investment advice from this site or an advertiser.

REGISTRATION
You can access the site without being a registered user. However, for certain services offered on the site, tradingfordividends.com may require you to register and create a user account ("User Account"). If requested to provide information during the registration process or while using any services, your use of the services is contingent upon providing true, accurate, current, and complete information as prompted. You agree to update this information as necessary to keep it true, accurate, current, and complete.

You may contribute content and provide other information to be posted within specific areas of the site ("User Information").

Under no circumstances should you post personally identifying information, such as your account password, full name, home address, phone number, or email address, in any public area of the site. Authorized representatives of tradingfordividends.com will never ask for your password, and you should never disclose it to anyone.

SECURITY
When you register for the site and services and create a user account, you will receive a username and password for your account. It is your responsibility to maintain the confidentiality of your password and to ensure the security of your user account. You agree to log out of your user account at the end of each session using the site and services. If you suspect any unauthorized use of your password or user account, you agree to immediately notify tradingfordividends.com by contacting us. Tradingfordividends.com cannot be held liable for any losses or damages resulting from your failure to comply with this section.

USE OF SITE AND SERVICES
The site and services are intended for personal, noncommercial use in accordance with these Terms of Service. You agree not to copy, display, or distribute any part of the site, including content provided by third parties, without prior written consent from tradingfordividends.com. You also agree not to use any automated devices, such as spiders, robots, or data mining techniques, to catalog, download, store, or reproduce content available on the site or to exceed the authorized access granted by tradingfordividends.com.

Any illegal or unauthorized use of the site and services is a violation of this agreement. Tradingfordividends.com reserves the right to take legal action for such violations to the fullest extent permitted by law.

USER SUBMISSIONS AND CONTENT
You acknowledge that all comments, messages, products, services, or other materials posted to the site (referred to as "Content") are the sole responsibility of the person or entity that originated such Content. You are entirely responsible for any Content uploaded, posted, transmitted, or made available through the services by you or through your account, if applicable.

By uploading, posting, transmitting, or making available Content through the services, you represent and warrant that you own or have the necessary rights to such Content. You also represent and warrant that the Content does not infringe on the copyrights, trademarks, privacy rights, or other proprietary rights of others and is not libelous, slanderous, or defamatory. Tradingfordividends.com does not control the Content posted via the services and does not guarantee the accuracy, integrity, or quality of any such Content.

Tradingfordividends.com will make reasonable efforts to block or remove offensive or inappropriate Content that comes to its attention. However, Tradingfordividends.com cannot review all Content, and you understand that by using the services, you may be exposed to Content that you find offensive. Tradingfordividends.com will not be liable to you or any third party for any Content, including errors or omissions in any Content, or for any loss or damage incurred as a result of accessing or using any Content posted, transmitted, or made available through the services.

You acknowledge that Tradingfordividends.com has no obligation to pre-screen or review any Content but may refuse, move, or remove any Content submitted, posted, or made available through the services at its sole discretion and without notice.

You agree that you are responsible for evaluating all risks associated with the use of any Content and that you shall not rely on the accuracy, completeness, usefulness, or nature of such Content. You understand that Tradingfordividends.com may preserve and disclose Content if required by law or in good faith belief that preservation or disclosure is necessary to: (a) comply with legal process; (b) enforce these Terms; (c) respond to claims that any Content violates the rights of third parties; or (d) protect the rights, property, or safety of tradingfordividends.com, its users, and the public. You acknowledge that the technical processing and transmission of the services, including Content, may involve transmissions over various networks and changes to conform and adapt to technical requirements.

LICENSE TO CONTENT SUBMITTED BY USERS
Tradingfordividends.com does not claim ownership of the Content uploaded, posted, transmitted, or made available by you through the services. By submitting Content through the services, you grant tradingfordividends.com an irrevocable, perpetual, transferable, sub-licensable, worldwide, royalty-free, and non-exclusive license to use, distribute, reproduce, modify, adapt, publish, publicly perform, publicly display, and create derivative works from such Content until the Content is removed.

MEMBER CONDUCT
You understand and agree that you are solely responsible for any content that you upload, post, email, transmit, or otherwise make available through the services. Tradingfordividends.com does not control the content posted via the services and cannot guarantee the accuracy, integrity, or quality of such content.

When using the services, you agree not to:

Upload, post, email, transmit, or make available any content that is unlawful, harmful, threatening, abusive, harassing, sexual, tortuous, defamatory, vulgar, pornographic, or contains nudity. This includes content that is obscene, libelous, invasive of another's privacy, hateful, racially or ethnically offensive, excessively violent, abusive, fraudulent, or otherwise objectionable.
Cause harm to minors in any way.
Upload, post, email, transmit, or make available any content that could infringe upon the copyright, trademark, publicity, privacy, or any other intellectual property rights of any person or entity unless you have obtained permission from the owner of such rights.
Impersonate any person or entity, including a Tradingfordividends.com employee or agent, or falsely state or misrepresent your affiliation with any person or entity.
Forge headers or manipulate identifiers in order to disguise the origin of any content transmitted through the services.
Upload, post, email, transmit, or make available any content that you do not have the right to make available under any law or under contractual or fiduciary relationships.
Upload, post, email, transmit, or make available any content that infringes any patent, trademark, trade secret, copyright, or other proprietary rights of any party.
Upload, post, email, transmit, or make available any unsolicited or unauthorized advertising, promotional materials, spam, chain letters, pyramid schemes, or any other form of solicitation.
Upload, post, email, transmit, or make available any material that contains software viruses or any other computer code, files, or programs designed to interrupt, destroy, or limit the functionality of any computer software, hardware, or telecommunications equipment.
Disrupt the normal flow of dialogue or act in a manner that negatively affects other users' ability to engage in real-time exchanges.
Interfere with or disrupt the services or servers or networks connected to the services, or violate any requirements, procedures, policies, or regulations of networks connected to the services.
Violate any applicable local, provincial, state, national, or international law, including securities regulations and exchange rules.
Stalk, harass, or otherwise engage in unwanted behavior towards another user.
Collect or store personal data about other users in connection with prohibited conduct and activities.
Register on behalf of another person or use another person's account or post private information about third parties.
Solicit personal information from others, such as passwords or other site account information.
Links
Through the site and services, Tradingfordividends.com may provide links to other websites, white papers, or resources. However, Tradingfordividends.com has no control over these external sites and resources. Therefore, you acknowledge and agree that Tradingfordividends.com is not responsible for the availability of such websites or resources and does not endorse or have any liability for any content, advertising, products, or other materials on or available from these websites or resources. You also understand and agree that Tradingfordividends.com is not responsible for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any content, goods, or services available on or through these websites or resources.

It is your responsibility to enter other websites at your own risk and carefully review their terms of service, privacy policies, and other user agreements.

NOTICE

Suggestions, Ideas, and Recommendations to Tradingfordividends.com
If you submit suggestions, ideas, recommendations, or proposals ("User Suggestions") to Tradingfordividends.com through email, forums, web pages, or web forms, you acknowledge and agree that:

Your User Suggestions do not contain confidential or proprietary information.
Tradingfordividends.com is not under any obligation of confidentiality, whether express or implied, regarding User Suggestions.
Tradingfordividends.com has the right to use or disclose User Suggestions for any purpose, in any way, and in any media worldwide.
Tradingfordividends.com may already have similar ideas or proposals under consideration or in development.
User Suggestions automatically become the property of Tradingfordividends.com without any obligation to compensate you.
You are not entitled to any reimbursement or compensation from Tradingfordividends.com for User Suggestions.
Indemnification
You agree to defend, indemnify, and hold harmless Tradingfordividends.com, its affiliates, officers, directors, employees, and agents from any claims, damages, obligations, losses, liabilities, costs, or debts, including attorney's fees, arising from:

Your use of and access to the Services.
Your violation of any of these Terms of Service.
Your violation of any third-party rights, including copyright, property, or privacy rights.
Any claim that your Content caused damage to a third party. This obligation to defend and indemnify Tradingfordividends.com will survive these Terms of Service and your use of the Services.
Termination
Tradingfordividends.com reserves the right to terminate your access to and use of the Services, and to remove and discard any Content, at any time and for any reason, including failure to comply with these Terms of Service. Tradingfordividends.com also reserves the right to discontinue providing all or part of the Services. You agree that any termination of your access to the Services or any discontinuation by Tradingfordividends.com does not require prior notice to you, and Tradingfordividends.com shall have no obligation to retain or return any Content. Tradingfordividends.com shall not be liable to you or any third party for any termination or interruption of the Services.

DISCLAIMER OF WARRANTIES
You understand and agree that:

Your use of the Services is at your own risk. The Services are provided on an "as is" and "as available" basis.
Tradingfordividends.com expressly disclaims all warranties, representations, and guarantees of any kind, whether express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
Tradingfordividends.com will make reasonable efforts to maintain the Services but is not responsible for any damage, loss of data, content, information, revenue, or other harm arising from delays, misdelivery, non-delivery of information, restrictions or loss of access, bugs, viruses, errors, unauthorized use, or other interactions with the Services.
Tradingfordividends.com does not warrant that the Services will meet your specific requirements, be uninterrupted, timely, secure, error-free, or that the results obtained from the Services will be accurate or reliable.
Tradingfordividends.com does not guarantee the quality of any products, services, information, or other materials obtained through the Services or the correction of any errors in software used in connection with the Services.
Any material downloaded or obtained through the use of the Services is done at your own discretion and risk, and you are solely responsible for any damage to your computer system or loss of data or content resulting from such downloads.
No advice or information, whether oral or written, obtained from the Services shall create any warranty not expressly stated in these Terms.
Limitation of Liability
You expressly understand and agree that Tradingfordividends.com shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages, including but not limited to damages for loss of profits, property damage, personal injury, goodwill, use, loss of reported earnings, data, or other intangible losses, arising out of or in connection with:

Your use or inability to use the Services.
The cost of procurement of substitute goods and services resulting from any goods, data, information, or services purchased or obtained or messages received or transactions entered into through the Services.
Unauthorized access to or alteration of your transmissions or data.
Statements or conduct of any third party on the Services.
Any other matter relating to the Services.
Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for certain types of damages. Therefore, some of the above disclaimers and limitations may not apply to you.

NOTICE
Tradingfordividends.com may provide you with notices, including those regarding changes to these Terms of Service, through email, postal mail, or postings on the Service. It is understood that the Terms of Service may be updated periodically without prior notice.

INTELLECTUAL PROPERTY & TRADEMARKS
You acknowledge that Tradingfordividends.com is the sole owner of all text, messages, information, software, scripts, images, graphics, audio, video, interactive features, and other content ("Tradingfordividends.com Content") on the Site, except for user-submitted content and content from third parties. Tradingfordividends.com owns all proprietary rights, including trademarks and copyrights, in the Tradingfordividends.com Content and its selection, organization, and arrangement. The Tradingfordividends.com Content is provided for informational and personal use only and may not be used, copied, reproduced, distributed, transmitted, broadcasted, displayed, sold, licensed, or otherwise exploited without prior written consent. If you download or print any Tradingfordividends.com Content for personal use, you must retain all copyright and proprietary notices.

The Tradingfordividends.com logos, trademarks, service marks, and other product and service names ("Tradingfordividends.com Marks") are trademarks owned by W&T LLC. You agree not to display or use the Tradingfordividends.com Marks without prior consent.

Procedures for Making a Claim of Copyright or Intellectual Property Infringement
Tradingfordividends.com takes copyright protection seriously. If you believe that any Site Content is being displayed in violation of your copyrights, please promptly notify Tradingfordividends.com by contacting us at info@tradingfordividends.com

Procedures Regarding Unauthorized Use of Photographs of Living People Posted on the Site
If your photograph, video, or likeness (or that of someone for whom you are a parent or legal guardian) is posted on the Site without permission, please immediately notify tradingfordividends.com by contacting us and provide the URL where the photo can be found.

Violations of Terms of Service
Please report any violations of these Terms of Service by contacting us. If a Service allows you to flag inappropriate content, you may use that functionality to notify us of violations.

TCPA Compliance Statement:

By using our services and providing your contact information, you expressly consent to receive communications, including but not limited to calls, text messages, and emails, from TradingForDividends.com. These communications may be related to educational materials, updates, promotions, and other relevant information regarding our services. We respect your privacy and adhere to the regulations set forth by the TCPA.

Please be aware that TradingForDividends.com is an educational service and does not provide financial advice in any manner. The information and materials provided are intended for educational purposes only and should not be construed as financial advice or recommendations to engage in any investment activities. Any decision to invest or engage in financial transactions should be based on your own assessment and consultation with qualified financial professionals.

If, at any time, you wish to opt-out of receiving these communications, you have the following options:

For calls: Please contact our customer service at 518-852-6113 and request to be removed from our call list.

For text messages: Reply "STOP" to the number from which you received the text message. This will opt you out of future text communications.

For emails: Click the "unsubscribe" link provided in the email footer. This will remove you from our email list and stop future email communications.

Please note that opting out may limit your access to certain educational resources and updates.

By continuing to use our services, you acknowledge that TradingForDividends.com is not responsible for any charges that may apply to your cellular or data usage when receiving communications. For further information on our communication practices, your rights under the TCPA, and our disclaimer regarding financial advice, please refer to our privacy policy and terms of service.

Member Disputes
By using the Site and Services, you release tradingfordividends.com from any and all claims, demands, and damages arising out of disputes with other users of the Site and Services. If you are a California resident, you waive California Civil Code 1542, which states that a general release does not extend to claims that the creditor does not know or suspect to exist at the time of executing the release, and that, if known, would have materially affected their settlement with the debtor.

Miscellaneous
Force Majeure: Tradingfordividends.com shall not be liable for any delay, termination, or reduction in the Site or Services resulting from conditions beyond its reasonable control.
Entire Agreement/Amendments: This Agreement represents the entire understanding between the parties and may be modified by tradingfordividends.com without notice. The most up-to-date version of the Terms of Service can be found on this page.

Waiver and Severability: The failure of tradingfordividends.com to enforce any right or provision of the Terms of Service does not constitute a waiver of such right or provision. If any provision is found invalid, the parties agree that the court should endeavor to give effect to the parties' intentions, and the other provisions remain in full force and effect.
Statute of Limitations: Any claim or cause of action arising from the use of the Site or Services must be filed within one year after such claim or cause of action arises, or it will be forever barred.
Governing Law: This Agreement is governed by the substantive laws of the United States, without regard to the choice of law provisions of any jurisdiction. It shall be enforced in the courts of Florida.
Entire Agreement: This document contains the entire understanding and agreement between you and tradingfordividends.com regarding your use of the Services. You acknowledge that additional terms and conditions may apply when using or purchasing other services from tradingfordividends.com and/or third parties.

Jurisdiction: The Site is intended for individuals residing in jurisdictions where access to the Site's content is legal. We make no representation regarding the appropriateness or availability of the Site in other locations. Users accessing the Site from other locations do so at their own risk and are responsible for compliance with local laws. We reserve the right to limit the availability of the Site to any person, geographic area, or jurisdiction at any time and at our sole discretion. We also reserve the right to limit the quantities of any service or product provided.

Last Updated: This version of the Terms of Service was last updated on August 5th, 2023.