Last updated: 17 January 2026
These Terms and Conditions (“Terms”) govern your access to and use of the Dividend Athlete website, membership platform, tools, calculators, courses, content, and community features (including Discord) (collectively, the “Service”).
By accessing or using the Service, creating an account, or purchasing a membership, you agree to be bound by these Terms. If you do not agree, do not use the Service.
The Service is operated by Dividend Athlete OÜ (“Dividend Athlete”, “we”, “us”, “our”).
Contact: contact@dividendathlete.com
“Account” means your registered user account for the Service.
“Content” means all text, images, videos, audio, research, analyses, posts, messages, emails, tools, outputs, and materials made available through the Service.
“Free Tier” means any free access level (if offered) with limited features and Content.
“Premium Membership” means any paid subscription plan providing access to paid features and Content.
“User Content” means content submitted by users (e.g., Discord messages, comments, uploads).
You must be at least 18 years old and legally capable of entering into a binding agreement to use the Service. By using the Service, you represent and warrant that you meet these requirements.
You may need to create an Account to access parts of the Service. You agree to provide accurate and complete information and keep it updated.
You are responsible for maintaining the confidentiality of your login credentials and for all activity under your Account. Notify us immediately if you suspect unauthorized use.
Unless explicitly permitted by us in writing, Accounts and logins are for a single user and may not be shared, transferred, resold, or sublicensed.
Your Account email address is used to identify you for support, cancellation, and refund requests. You are responsible for keeping it current.
Premium Membership plans, features, and pricing are shown on our pricing/checkout pages and may change over time. Any price changes apply only to future billing periods (e.g., upon renewal) unless required otherwise by law.
Premium Membership is billed on a recurring basis (monthly or annually, depending on the plan you select) and renews automatically at the end of each billing period unless you cancel before the renewal date. By purchasing Premium Membership, you authorize us (and our payment processors) to charge your payment method on a recurring basis until you cancel.
Payments may be processed by third-party payment providers (e.g., Stripe, PayPal). Your payments may be subject to the provider’s terms and policies in addition to these Terms.
Prices may include or exclude VAT depending on your location and checkout configuration. You are responsible for any taxes that apply unless required otherwise by law.
If a payment fails, is reversed, or is charged back, we may suspend or terminate your access to Premium Membership until the issue is resolved.
You can cancel Premium Membership at any time:
by cancelling inside your Account (if available), or
by emailing us at contact@dividendathlete.com from the same email address used for your Account.
Cancellation stops future renewals. Unless required by applicable law or expressly stated otherwise in these Terms, cancellation does not retroactively refund fees already paid for the current billing period.
You are responsible for cancelling before renewal if you do not want to be charged for the next billing period.
We offer a 14-day refund for first-time Premium Membership purchases only. The 14-day period starts on the date of your initial purchase.
To request a refund within the 14-day period, you must email us at contact@dividendathlete.com from the same email address used for your Account.
Premium Membership renewal charges are non-refundable, except where required by applicable law.
Refund requests made after the 14-day period are not guaranteed and may be denied, except where required by applicable law. If you cancel after 14 days, you will retain access until the end of your current paid billing period, and you will not be charged again unless you re-subscribe.
If we issue a refund, your Premium Membership access may be revoked and your Account may be downgraded to the Free Tier (if available). We may also disable access to Premium-only Content and community areas associated with Premium Membership.
We reserve the right to refuse refunds in cases of suspected abuse, fraud, or repeated refund requests, to the extent permitted by applicable law.
You agree not to:
Use the Service for unlawful purposes or in violation of any applicable laws
Share your login credentials or resell access to the Service
Copy, scrape, reverse engineer, decompile, or attempt to extract source code or underlying data from the Service except where permitted by law
Interfere with or disrupt the Service, servers, or networks
Upload malware or harmful code
Harass, threaten, defame, or abuse other users or our team
Post spam, scams, impersonations, or misleading financial promotions
Attempt to bypass paywalls, access controls, or security measures
We may suspend or terminate your access for violations.
Community areas may contain User Content that is not reviewed for accuracy.
You agree not to present yourself as a licensed professional or provide personalized financial, tax, or legal advice to other members through the Service.
You agree to behave respectfully and not to harass, threaten, or abuse others.
We may (but are not obligated to) moderate, remove, restrict, or delete content and users at our discretion to maintain a respectful environment and protect the Service.
The Service and all Content provided by Dividend Athlete (excluding User Content) are owned by Dividend Athlete or our licensors and are protected by intellectual property laws.
We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial use during your subscription term (or during Free Tier access, if applicable).
You may not reproduce, distribute, publicly display, create derivative works from, sell, resell, or commercially exploit our Content without our prior written consent.
If you provide suggestions or feedback, you grant us the right to use it without restriction or compensation.
You are solely responsible for your User Content and for ensuring you have the rights to post it.
By posting User Content, you grant us a non-exclusive, worldwide, royalty-free license to host, store, display, reproduce, and distribute that User Content solely for operating, moderating, marketing (e.g., anonymized screenshots unless you consent otherwise), and improving the Service and community.
We may remove User Content at any time in our discretion. We are not obligated to retain User Content.
Dividend Athlete provides educational materials, tools, calculators, courses, databases, stock screeners, written and video content, email content, and community features for general informational and educational purposes only.
Nothing in the Service constitutes, and should not be construed as, investment advice, financial advice, trading advice, tax advice, legal advice, accounting advice, or any other professional advice. The Service is not intended to be, and is not, an offer or solicitation to buy, sell, or hold any security or other financial instrument, nor an endorsement of any investment strategy.
No adviser-client relationship; no fiduciary duty. Your use of the Service does not create an adviser-client relationship (or any similar relationship) between you and Dividend Athlete or Henrik Ojamaa, and we do not owe you any fiduciary duty. We do not provide individualized or personalized recommendations, and we do not assess the suitability of any investment for you.
No professional licensing claims. Henrik Ojamaa is not a licensed financial adviser, registered investment adviser, broker-dealer, certified financial planner, tax adviser, accountant, or legal professional. Any statements made by Henrik or other contributors reflect personal opinions and educational commentary only.
Personal portfolio disclosure; trading timing; conflicts. From time to time, Henrik may share personal portfolio holdings, transactions, watchlists, research notes, alerts, or commentary for transparency and educational illustration. You acknowledge that: (a) such information is not a recommendation or instruction for you to trade; (b) Henrik may buy or sell securities before or after publishing content, and positions may change at any time without notice; and (c) Dividend Athlete is not obligated to disclose every transaction, update previous content, correct errors, or notify you of changes in holdings or views.
Educational mention of derivatives. The Service may occasionally reference derivatives concepts (such as put options) for educational explanation. Such references are not recommendations, solicitations, or instructions to trade derivatives.
Do your own research; consult professionals. You are solely responsible for your own investment decisions, research, and actions. You agree not to make any investment decision based solely on the Service. You should consult appropriately licensed professionals (financial, tax, and legal) regarding your specific circumstances before making any investment or financial decision.
Investment risk warning. Investing involves risk, including the possible loss of principal. Prices may fluctuate, dividends may be reduced or eliminated, and companies may fail. Past performance is not indicative of future results. Any examples, scenarios, or case studies are illustrative only and do not guarantee outcomes.
Performance and testimonials disclaimer. Any performance figures, portfolio screenshots, case studies, testimonials, or success stories shown through the Service are provided for illustration only. They may not be representative of typical results and do not guarantee that you will achieve similar outcomes.
Jurisdiction and compliance (regulatory perimeter). The Service is intended for general audiences and is not directed to any person in any jurisdiction where offering, marketing, or providing the Service would be unlawful or would require registration, licensing, authorization, or approval by any regulatory authority. You are responsible for ensuring that your use of the Service complies with applicable laws and regulations in your jurisdiction.
Any calculators, screeners, databases, projections, model outputs, or other tools are provided for educational illustration and convenience only. You acknowledge that: (a) outputs may be inaccurate, incomplete, delayed, or contain bugs or errors; (b) tools may rely on third-party data sources that we do not control; (c) assumptions may be simplified and may not reflect real-world conditions (including taxes, fees, inflation, dividend cuts, corporate actions, liquidity, or market volatility); and (d) outputs are hypothetical and do not predict or guarantee future performance.
You are responsible for independently verifying any information before relying on it.
Some tools, screeners, databases, charts, and outputs within the Service may incorporate or rely on financial market data and other information licensed from third-party data providers (“Third-Party Data”). Third-Party Data is provided “as is” and may be inaccurate, incomplete, delayed, or unavailable. Dividend Athlete does not guarantee the accuracy, completeness, timeliness, or availability of Third-Party Data.
Third-party data providers do not sponsor, endorse, or recommend Dividend Athlete or the Service, and Dividend Athlete does not imply any such endorsement.
You may access and use Third-Party Data and any related outputs only for your personal, non-commercial use as part of the Service. You may not copy, scrape, extract, download in bulk, redistribute, republish, sell, sublicense, or otherwise make available any Third-Party Data (or any compilation or directory based on it) to any third party, nor use it to build or support a competing product or service.
The Service may include links to third-party websites or services (including Discord and payment providers). We do not control and are not responsible for third-party content, policies, or practices. Your use of third-party services is at your own risk and subject to their terms.
We do not guarantee uninterrupted availability of the Service. The Service may be unavailable due to maintenance, updates, outages, or factors outside our control.
We may modify, suspend, or discontinue any part of the Service at any time, including features, Content, tools, or community access.
We are not obligated to update, correct, or revise any Content, analysis, community posts, or tool outputs and do not guarantee that any information will remain current.
We may update these Terms from time to time. Continued use of the Service after changes become effective constitutes acceptance of the updated Terms.
You may stop using the Service and cancel your membership at any time.
We may suspend or terminate your access immediately if we believe you have violated these Terms, engaged in fraud, abused the Service, or created risk or legal exposure for us or other users.
Upon termination, your right to access the Service ends. Sections that by their nature should survive termination will survive, including Intellectual Property, User Content license, disclaimers, limitation of liability, indemnity, and governing law.
To the maximum extent permitted by applicable law, the Service is provided “as is” and “as available”, without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, accuracy, completeness, non-infringement, or availability.
To the maximum extent permitted by applicable law, Dividend Athlete OÜ, Henrik Ojamaa, and our affiliates, employees, contractors, and partners will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, investment losses, missed opportunities, or other financial outcomes arising out of or related to your use of (or inability to use) the Service, even if we have been advised of the possibility of such damages.
To the maximum extent permitted by applicable law, our total aggregate liability for any claim arising out of or relating to the Service will not exceed the total amount you paid to Dividend Athlete for the Service in the 12 months preceding the event giving rise to the claim (or €100 if you have not paid anything), whichever is greater.
Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law (for example, liability for fraud or intentional misconduct, and in some jurisdictions gross negligence).
To the maximum extent permitted by applicable law, you agree to indemnify and hold harmless Dividend Athlete OÜ and our affiliates, directors, officers, employees, and contractors from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to: (a) your use of the Service, (b) your violation of these Terms, or (c) your infringement of any rights of any third party.
Your use of the Service is also subject to our Privacy Policy. Please review it to understand how we collect and use personal data.
These Terms are governed by the laws of the Republic of Estonia, without regard to conflict of law principles.
Any disputes arising out of or relating to these Terms or the Service shall be subject to the exclusive jurisdiction of the courts of Estonia. If you are a consumer, you may also have mandatory rights to bring claims in your country of residence as required by applicable law.
If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect.
These Terms, together with any policies referenced (including the Privacy Policy and any checkout-specific terms), constitute the entire agreement between you and Dividend Athlete regarding the Service and supersede any prior agreements or understandings.
Questions about these Terms: contact@dividendathlete.com