Terms of Service

Last updated: 2025-08-05

Montreal, Quebec, Canada

IMPORTANT LEGAL NOTICE

By accessing or using maplediv, you acknowledge that you have read, understood, and agree to be bound by these terms. You also acknowledge that you are solely responsible for all financial decisions and their consequences. maplediv is not a financial advisor and does not provide investment advice.

Acceptance of Terms

By accessing or using the maplediv platform ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you must not use our Service.

Binding Agreement: These Terms constitute a legally binding agreement between you and maplediv. Your continued use of the Service after any modifications to these Terms constitutes acceptance of the updated Terms.

No Financial Advice: You acknowledge that maplediv is a portfolio tracking tool only. We do not provide financial advice, investment recommendations, or guarantee any investment returns. All investment decisions are your sole responsibility.

Service Description

maplediv provides a platform for tracking dividend investments and portfolio management. Our services include:

  • Portfolio tracking and management tools
  • Real-time stock data integration
  • Dividend income tracking
  • Basic analytics and reporting
  • Premium features for advanced users

Service Limitations: You acknowledge that our Service is provided "as is" and "as available" without any warranties. We do not guarantee the accuracy, completeness, or reliability of any data, information, or calculations provided through our platform.

User Responsibilities and Obligations

You agree to:

  • Provide accurate and complete information when creating your account
  • Maintain the security of your account credentials
  • Use the Service only for lawful purposes
  • Not attempt to gain unauthorized access to our systems
  • Not interfere with or disrupt the Service
  • Comply with all applicable laws and regulations
  • Accept full responsibility for all financial decisions and their consequences
  • Verify all financial data independently before making investment decisions
  • Consult with qualified financial professionals for investment advice

You acknowledge that:

  • All investment risks are your sole responsibility
  • Past performance does not guarantee future results
  • Market data may be delayed or inaccurate
  • You are responsible for all tax implications of your investments
  • We are not liable for any financial losses you may incur

Financial Disclaimer: You expressly acknowledge that maplediv is not a registered investment advisor, broker-dealer, or financial planner. We do not provide personalized investment advice or recommendations. You are solely responsible for evaluating the merits and risks associated with any investment decision.

Limitation of Liability and Disclaimers

DISCLAIMER OF WARRANTIES

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

LIMITATION OF LIABILITY

IN NO EVENT SHALL MAPLEDIV, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR USE OF THE SERVICE.

Maximum Liability: Our total liability to you for any claims arising from your use of the Service shall not exceed the amount you paid us in the twelve (12) months preceding the claim, or CAD $100, whichever is less.

Force Majeure: We are not liable for any failure to perform due to circumstances beyond our reasonable control, including but not limited to acts of God, war, terrorism, riots, fire, natural disasters, power failures, or internet outages.

Indemnification

You agree to indemnify, defend, and hold harmless maplediv, its officers, directors, employees, and agents from and against any and all claims, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from or relating to:

  • Your use of the Service
  • Your violation of these Terms
  • Your violation of any applicable laws or regulations
  • Your investment decisions and their consequences
  • Any financial losses you may incur
  • Your failure to maintain account security
  • Any third-party claims arising from your use of the Service

Subscription and Payment Terms

Premium subscriptions are billed monthly through Stripe. You agree to:

  • Pay all fees associated with your subscription
  • Provide accurate billing information
  • Authorize recurring charges to your payment method
  • Accept that subscription fees are non-refundable
  • Cancel your subscription before the next billing cycle to avoid charges

No Refunds: All subscription fees are non-refundable. We do not provide refunds for partial months, unused features, or dissatisfaction with the Service.

Intellectual Property

The Service and its original content, features, and functionality are owned by maplediv and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of our Service without our express written consent.

Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason, including but not limited to:

  • Violation of these Terms
  • Fraudulent or illegal activity
  • Non-payment of subscription fees
  • Abuse of the Service

Upon termination, your right to use the Service will cease immediately. We may delete your account and all associated data without notice.

Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the Province of Quebec and the laws of Canada applicable therein, without regard to conflict of law principles.

Exclusive Jurisdiction: You agree that any disputes arising from these Terms or your use of the Service shall be resolved exclusively in the courts of Montreal, Quebec, Canada. You submit to the personal jurisdiction of these courts and waive any objections to venue.

Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the updated Terms on our website and/or sending an email notification.

Continued Use: Your continued use of the Service after any changes constitutes acceptance of the updated Terms. You are responsible for reviewing the Terms regularly.

Contact Information

If you have any questions about these Terms, please contact us:

Email: maplediv@gmail.com

Jurisdiction: Montreal, Quebec, Canada

FINAL ACKNOWLEDGMENT

By using maplediv, you acknowledge that you have read, understood, and agree to be bound by these Terms. You also acknowledge that you are solely responsible for all financial decisions and their consequences, and you agree to hold maplediv harmless for any losses, damages, or claims arising from your use of the Service.

By using maplediv, you acknowledge that you have read and understood these Terms of Service and agree to be bound by their terms.