Financial Disclaimer

Last updated: May 12, 2026

1. Not Investment Advice

diviStock publishes generic, impersonal financial information for educational and informational purposes only. Nothing on diviStock is, or should be construed as, investment advice, a recommendation to buy or sell any security, a solicitation, an offer, a tax opinion, a legal opinion, or a fiduciary communication.

We are not a registered investment adviser, portfolio manager, dealing representative, broker, dealer, or financial planner with the SEC, FINRA, OSC, CIRO, or any other regulator. Your use of diviStock does not create an adviser-client, broker-client, fiduciary, or agency relationship.

You should consult a registered investment professional, a qualified tax adviser, and an accountant licensed in your jurisdiction before making any trading or investment decision.

2. Past Performance Disclaimer

Past performance is not indicative of future results. Historical data shown on diviStock — including without limitation the verified 2021 record on our track-record page, any live track record we maintain, win rates, average gains, simulated backtests, monthly P&L breakdowns, and any chart or statistic of any kind — describes what happened in the past under specific conditions that may never recur.

Future performance may be materially worse than past performance. Future performance may result in significant or total loss of invested capital. No statement on diviStock is a forecast, projection, or guarantee of future returns.

3. Dividend-Capture Strategy — Specific Warnings

The dividend-capture strategy is the practice of buying a stock shortly before its ex-dividend date and selling shortly after to capture the dividend payment. This strategy involves substantial risks specific to its mechanics:

• Price drop on ex-date. Stocks typically open at a price approximately equal to the prior close minus the dividend. There is no guarantee the price will recover.
• Holding-period rules for tax treatment. In the US, dividends are "unqualified" (taxed at ordinary income rates rather than capital-gains rates) if the holding period is not met. In Canada, similar rules can affect eligibility for the dividend tax credit. Short-term capture strategies frequently fail to meet these holding-period requirements.
• Commissions and slippage. Round-trip transaction costs and execution slippage often exceed the gross dividend on smaller positions.
• Volatility and gap risk. Ex-dividend dates often coincide with or follow earnings releases. Overnight price moves can far exceed the captured dividend.
• Tax inefficiency. Frequent trading generates short-term capital gains and increases tax liability versus a buy-and-hold approach.
• Borrowing and shorting risk. If you trade on margin, you may receive a margin call and lose more than you invested. If you short stocks, your loss is theoretically unlimited.
• Currency risk. Trading securities in foreign currencies introduces FX exposure that can exceed the dividend gain.
• Information lag. Ex-dividend dates and dividend amounts can change after a signal is published.

4. Data Accuracy

diviStock aggregates dividend, price, and corporate-action data from third-party providers. We make commercially reasonable efforts to keep this data accurate but we do not warrant the accuracy, completeness, or timeliness of any data. Data may be wrong. Data may be outdated. Data may be missing. You must verify all data directly with your broker and the relevant exchange or issuer before acting on it.

5. Suitability — You Are Responsible

You are solely responsible for assessing whether any signal, strategy, or security mentioned on diviStock is suitable for your personal financial circumstances, risk tolerance, time horizon, tax situation, account type, and jurisdiction. We have no information about your suitability, and we make no claim that any Content is suitable for you.

6. Founder's Personal Trades — Not a Recommendation

From time to time, diviStock publishes information about trades executed by the founder or other persons connected to the Service, including on our track-record page. These trades are retrospective, personal, and impersonal: they describe what one person did in their own account, in their own circumstances. They are not a recommendation that you do the same. The founder may hold, buy, or sell the same securities at any time, before, during, or after they are mentioned on the Service.

7. Conflict of Interest

The operator(s), employee(s), contractor(s), and affiliates of diviStock may personally trade in any security mentioned, listed, alerted, or otherwise referenced through the Service, and may do so before, during, or after Content is published. We are under no obligation to disclose specific positions or trades.

8. Forward-Looking Statements

Statements on diviStock that describe expected or projected events, anticipated returns, or future market conditions are forward-looking statements. They involve risks, uncertainties, and assumptions. Actual outcomes may differ materially. We undertake no obligation to update forward-looking statements.

9. No Guarantee of Profit, No Guarantee of Anything

We do not guarantee profit. We do not guarantee accuracy. We do not guarantee uptime. We do not guarantee timely delivery of alerts. We do not guarantee anything. You assume all risk of trading based on any Content from the Service. If you cannot afford to lose your invested capital, do not trade.

10. Jurisdiction-Specific Notes

For Canadian users

diviStock relies on the generally-available-advice provisions of Canadian National Instrument 31-103 and applicable provincial guidance. All Content is generic and not tailored to any subscriber. We are not registered with the Ontario Securities Commission or any other Canadian securities regulator. Subscribers who wish to receive personalized investment advice must consult a registered adviser.

For United States users

diviStock relies on the publisher's exclusion under §202(a)(11)(D) of the Investment Advisers Act of 1940 (as interpreted in Lowe v. SEC). All Content is generic, impersonal, and of regular and general circulation. We are not registered as an investment adviser with the SEC or any US state. Subscribers who wish to receive personalized investment advice must consult a registered investment adviser.

For users in other jurisdictions

You are responsible for determining whether your use of diviStock complies with the laws of your jurisdiction. You may not use diviStock in any jurisdiction where doing so would be unlawful.

By using diviStock you acknowledge that you have read and understood this Financial Disclaimer in its entirety.