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Privacy Policy

Last Updated: September 1, 2025

1. Introduction

Dividends4Income (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our dividend investing platform (the “Service”).

2. Information We Collect

2.1 Information Collected Automatically

  • IP Address: Used for rate limiting and security purposes
  • User Agent: Browser and device information for compatibility and security
  • Referer and Origin Headers: To validate legitimate access from our website

2.2 Information from Third-Party Services

We integrate with the following third-party services to provide our features:

  • Yahoo Finance API: Stock prices, dividend data, and company information
  • SEC API: Company ticker search functionality
  • Reddit API: Community discussions and sentiment analysis
  • OpenRouter API: AI-powered market insights and predictions
  • Clearbit API: Company logo images

2.3 Cookies and Local Storage

  • API Response Caching: We cache API responses locally in your browser for up to 10 minutes to improve performance
  • No Tracking Cookies: We do not use cookies for tracking or analytics

3. How We Use Your Information

We use the collected information for:

  • Service Delivery: Providing real-time stock data, dividend information, and analysis
  • Security: Rate limiting to prevent abuse and ensure fair access
  • Performance: Caching responses to reduce load times
  • Platform Integrity: Validating legitimate access and preventing unauthorized API usage

4. Information Sharing and Disclosure

We do not sell, trade, or otherwise transfer your information to third parties except in the following limited circumstances:

  • Service Providers: Third-party APIs (Yahoo Finance, Reddit, OpenRouter, etc.) receive requests containing search terms and stock symbols
  • Legal Requirements: When required by law or to protect our rights
  • Platform Security: To prevent fraud, abuse, or security threats

5. Data Retention

  • Automatic Data: IP addresses and user agents are retained only for the duration of your session and security purposes
  • Cached Data: API responses are cached in your browser for a limited time to improve performance
  • No Personal Data Storage: We do not store personal information, user accounts, or historical usage data

6. Third-Party Services

Our Service integrates with several third-party APIs. Each has its own privacy policy and we encourage you to review these policies as we are not responsible for their data practices.

7. Data Security

We implement appropriate security measures:

  • Rate Limiting: We limit request frequency to ensure fair access for all users
  • Access Validation: We validate requests to ensure they come from legitimate sources
  • API Key Protection: Third-party API credentials are securely managed
  • HTTPS Encryption: All data transmission is encrypted

8. International Data Transfers

Stock data and analysis may be processed by third-party services located outside your country. By using our Service, you consent to such transfers.

9. Children's Privacy

Our Service is not intended for children under 13. We do not knowingly collect personal information from children under 13.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify users of material changes by updating the “Last Updated” date.

11. Contact Us

If you have questions about this Privacy Policy, please contact us at:

12. Your Rights

Depending on your location, you may have certain rights regarding your data:

  • Access: Request information about what data we have
  • Correction: Request correction of inaccurate data
  • Deletion: Request deletion of your data (though we collect minimal data)
  • Opt-out: Stop using the service

Since we collect minimal data and no personal information, most data rights requests will result in no action needed.