Terms of Service

Company / Operator

DivDip is operated by Backchannel Tackle LLC.

Backchannel Capital is a trade name of Backchannel Tackle LLC.

Contact: hello@divdip.com

1. Acceptance of Terms

By accessing or using DivDip at divdip.com you agree to be bound by these Terms of Service. If you do not agree to these terms do not use the service.

2. Description of Service

DivDip provides ex-dividend date tracking, price drop alerts, and email digest notifications for income-generating securities including closed-end funds, ETFs, REITs, BDCs, and stocks. The service is for informational purposes only and does not constitute financial advice.

3. Not Financial Advice

All content provided by DivDip is for informational and educational purposes only. Nothing on this platform constitutes financial, investment, legal, or tax advice. Always consult a qualified financial advisor before making investment decisions.

4. Subscriptions and Billing

DivDip offers paid subscription plans billed monthly or annually through Stripe. All paid DivDip plans include a 30-day free trial. You will not be charged until the trial period ends. You may cancel at any time before the trial ends to avoid charges. Refunds are handled on a case by case basis.

5. Data Accuracy

DivDip makes reasonable efforts to provide accurate market data and alerts. However we do not guarantee the accuracy, completeness, or timeliness of any data. Market data is sourced from third party providers and may be delayed or incorrect.

6. Tax Estimates

Any tax estimates, screenings, or projections provided by DivDip are approximations based solely on the inputs you provide. They are not prepared or reviewed by a tax professional and should not be relied on for filing, planning, or compliance purposes. DivDip is not liable for any tax outcomes, underpayments, penalties, interest, or audits resulting from use of these estimates. Consult a qualified tax advisor before making decisions.

7. Holdings Data and Feature Accuracy

Users may enter holdings data with incomplete information. When adding holdings to DivDip, certain fields including cost basis and account type are optional. By checking the acknowledgment box during data entry and continuing without providing these optional fields, you confirm that you understand and accept that features depending on those fields — including but not limited to Total Returns tracking, DivDip Cost Basis calculations, after-tax yield display, and True Returns analysis — may not function accurately or at all for those holdings. DivDip is not responsible for inaccurate calculations, projections, or analysis resulting from incomplete data entry. You may update your holdings data at any time to restore full feature functionality.

8. Limitation of Liability

DivDip shall not be liable for any financial losses, missed opportunities, or damages arising from use of or reliance on the service. Use DivDip at your own risk. To the maximum extent permitted by law, DivDip's total cumulative liability for any claim arising out of or relating to the service is capped at the total subscription fees you paid to DivDip in the twelve (12) months preceding the event giving rise to the claim.

9. Acceptable Use

You agree not to: (a) scrape, crawl, or harvest data from DivDip by any automated means; (b) resell, redistribute, or relicense DivDip data or content to any third party; or (c) access the service through any automated system, bot, or integration outside of the official DivDip application. Violations may result in immediate termination without refund.

10. No Warranty

The service is provided "as is" and "as available" without warranty of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, or accuracy. Data displayed on DivDip may be delayed, incomplete, or inaccurate. DivDip disclaims all warranties to the maximum extent permitted by law.

11. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the State of Alabama, without regard to its conflict of law provisions. DivDip is operated from the United States. Users accessing the service from outside the United States do so at their own risk and are solely responsible for compliance with their local laws and regulations. Any disputes arising under these Terms shall be resolved in the state or federal courts located in Alabama, subject to the arbitration clause below.

12. International Users

DivDip makes no representation that the service is appropriate or available for use in all countries or jurisdictions. Users located in jurisdictions where financial data or market information services are restricted, regulated, or prohibited access the service at their own risk and are solely responsible for compliance with applicable local laws.

13. GDPR Notice for EU Users

If you are a resident of the European Union, you have the right to access, correct, port, restrict, or delete the personal data we hold about you, as well as the right to withdraw consent and to lodge a complaint with a supervisory authority. To exercise these rights, contact us at hello@divdip.com.

14. Dispute Resolution and Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms or the service shall be resolved by binding arbitration administered in Alabama under the rules of the American Arbitration Association, rather than in court. You and DivDip waive the right to a jury trial and the right to participate in a class action, class arbitration, or representative proceeding. Each party will bear its own costs and attorneys' fees unless otherwise awarded by the arbitrator.

15. Changes to Terms

We reserve the right to modify these terms at any time. Continued use of the service after changes constitutes acceptance of the new terms.

16. Contact

Questions about these terms? Email us at hello@divdip.com

17. Subscriber Content Restrictions

Subscribers may share links to publicly available pages on DivDip. Subscribers may not reproduce, distribute, publish, post, or commercially exploit subscriber-only content including model scores, rankings, statistical signals, proprietary tables, screenshots of premium dashboards, or data exports without prior written consent. Subscribers may not present DivDip outputs in a misleading manner, imply endorsements, or make performance claims on behalf of DivDip. DivDip reserves the right to suspend or terminate accounts that misuse platform content.