Terms of Service

OnlyDividends Mobile Application

Last Updated: May 6, 2026

Article 1 - Legal Information

The OnlyDividends application (hereinafter "the Application" or "the Service") is published and operated by:

Publisher: El Mourad Sroutou, entrepreneur individuel
SIREN: 930 167 796
Registered Address: 60 Rue François 1er, 75008 Paris, France
Email: support@onlydividends.app
Website: https://onlydividends.app

The Application is available for download on the Apple App Store (iOS) and Google Play Store (Android).

Article 2 - Definitions

The following terms shall have the meanings set forth below:

"User": Any natural person who downloads, accesses, or uses the Application.
"Account": The personal account created by a User to access the Application's services.
"Free Tier": The free version of the Service allowing Users to track up to 3 stock holdings.
"Premium Tier": The paid subscription version allowing Users to track up to 50 stock holdings.
"Subscription": The recurring payment arrangement for Premium Tier access.
"Holdings": The stock positions entered by the User into the Application.
"Content": All data, information, and materials provided through the Application.

Article 3 - Purpose and Scope

3.1 Purpose

These Terms of Service (hereinafter "Terms") govern the access to and use of the OnlyDividends mobile application. They define the rights and obligations of Users and the Publisher in connection with the Service.

3.2 Acceptance

By creating an Account or using the Application, the User acknowledges having read, understood, and accepted these Terms without reservation. If the User does not agree with these Terms, they must not use the Application.

3.3 Eligibility

The Application is intended for Users who are at least 18 years of age and have full legal capacity to enter into binding contracts. By using the Application, the User represents and warrants that they meet these requirements.

3.4 Platform Terms

The Application is distributed through the Apple App Store and Google Play Store. By downloading or using the Application, Users also agree to comply with the applicable terms and conditions of Apple Inc. and Google LLC, as applicable to their device. In the event of any conflict between these Terms and the platform terms, these Terms shall prevail to the extent permitted by the platform terms.

Article 4 - Description of Services

OnlyDividends is a dividend tracking application designed to help investors monitor their dividend income. The Application operates on a privacy-first principle and does not require bank account linking or brokerage synchronization.

4.1 Free Tier Features

The Free Tier includes:

Tracking of up to 3 stock holdings
Rolling 12-month dividend calendar with payment statuses (Received, Confirmed, Estimated)
Monthly income visualization chart
Portfolio visualization by sector and by stock
Tax-adjusted push notifications for dividends declared by our data providers, sent on a best-effort basis around 8 AM in supported timezones
Choice of base currency among EUR, USD, GBP, CAD, CHF, and AUD; tracked securities may be displayed in their native currency where different
Multi-language support (English, French, Spanish)
Custom withholding tax rate settings

4.2 Premium Tier Features

The Premium Tier includes all Free Tier features, plus:

Tracking of up to 50 unique stock holdings
Priority handling of support requests, subject to available resources

4.3 Service Limitations and Financial Data Disclaimer

The Application relies on third-party financial data providers for stock and dividend information. Stock prices, dividend history, exchange rates, and corporate action data are primarily provided by Financial Modeling Prep (FMP). Certain non-financial assets, such as company logos, may be provided by other service providers (e.g., Logo.dev).

Some dividend data — for example, recently received or formally announced payments — is confirmed by data providers. Other future dividend dates and amounts shown in the Application are estimates based on historical patterns and publicly available data, and may change before the actual payment.

Financial data may be delayed, incomplete, inaccurate, temporarily unavailable, or affected by market conditions, provider outages, corporate actions (such as stock splits, dividend cuts, or ticker changes), or upstream errors. While we strive for accuracy, we cannot guarantee the completeness, timeliness, or accuracy of any data displayed.

The Application is provided for informational purposes only and does not constitute investment, financial, tax, legal, or accounting advice. Users remain solely responsible for any investment, tax, or financial decision they make on the basis of the Application.

4.4 Financial Data Usage Restrictions

Users may not copy, extract, scrape, download in bulk, redistribute, sublicense, or resell any financial data displayed in the Application, including but not limited to stock prices, dividend information, and exchange rates. This data is provided by third-party sources for personal, non-commercial use within the Application only.

4.5 Free Tier Account Inactivity

OnlyDividends reserves the right to delete Free Tier accounts after 6 months of inactivity, subject to prior notice sent to the email address associated with the Account. This measure is intended to free up resources allocated to unused accounts.

Article 5 - Account Creation and Management

5.1 Registration

To use the Application, Users must create an Account by providing a valid email address and creating a secure password, or by using supported authentication methods (Google Sign-In, Apple Sign-In). Users may create only one Account per person.

Account activation requires email verification when registering with an email address and password. Users must click the verification link sent to their email address before accessing the Service. Email verification is not required when registering via Google Sign-In or Apple Sign-In, as these providers verify the email address themselves.

5.2 Account Security

Users are solely responsible for maintaining the confidentiality of their login credentials and for all activities occurring under their Account. Users must immediately notify us at support@onlydividends.app of any unauthorized use or security breach.

5.3 Account Accuracy

Users warrant that all information provided during registration is accurate, current, and complete. Users agree to update their information as necessary to maintain its accuracy.

Article 6 - Subscription and Payment

6.1 Subscription Plans

The Premium Tier is available through monthly and annual subscription plans. Current pricing, duration, any trial or promotional offer, and renewal terms are displayed in the Application and on the Apple App Store or Google Play Store at the time of purchase.

The Publisher may offer promotional pricing, discounts, or free trial periods at its sole discretion. Promotional offers may be subject to additional terms and conditions, which will be communicated at the time of the offer. Promotional pricing is temporary and may be modified or discontinued at any time.

6.2 Payment Processing

Payments and Premium entitlement management are processed through the Apple App Store (for iOS) or Google Play Store (for Android), with RevenueCat used to synchronize subscription status. By subscribing, Users agree to the payment terms of the respective platform. The Publisher does not directly collect or store payment information.

6.3 Automatic Renewal

Subscriptions automatically renew at the end of each billing period in accordance with the policies of the Apple App Store or Google Play Store. Cancellation timing requirements are governed by the policies of the relevant platform. The renewal charge will be applied to the User's payment method on file with Apple or Google.

6.4 Cancellation

Users may cancel their Subscription at any time through their Apple App Store or Google Play Store account settings. Upon cancellation, Users retain access to Premium features until the end of the current billing period. Unless mandatory law or the relevant platform's decision provides otherwise, no refunds are provided for partial billing periods.

6.5 Price Changes

The Publisher reserves the right to modify subscription prices. Any price changes will take effect at the start of the next billing period following notice to Users. Continued use of the Service after a price change constitutes acceptance of the new pricing.

Article 7 - Right of Withdrawal

7.1 Withdrawal Period

In accordance with Article L221-18 of the French Consumer Code, Users residing in the European Union have the right to withdraw from the subscription contract within fourteen (14) days of subscription without giving any reason.

7.2 Exercise of Withdrawal Right

To exercise the right of withdrawal within the 14-day period, the User must notify their decision to withdraw before the period expires. Because subscriptions are sold and billed by the Apple App Store or Google Play Store (see Article 6.2) and the Publisher does not hold the funds, withdrawal can be exercised through either of the following channels:

Through the platform (recommended for the fastest refund):
- For purchases made on the Apple App Store: request a refund directly at reportaproblem.apple.com, or in iOS via Settings → [your name] → Subscriptions.
- For purchases made on Google Play: request a refund via the Google Play app or play.google.com, or contact Google Play Support.
By notifying the Publisher: send an unambiguous statement to support@onlydividends.app. Users may use the following model: "I hereby notify you of my withdrawal from the OnlyDividends Premium subscription contracted on [date]." Because the Publisher does not directly process payments or hold the funds for App Store or Play Store purchases, the Publisher cannot issue platform refunds itself; the Publisher will, however, acknowledge the withdrawal notice and assist the User with the platform refund request where possible.

Either channel constitutes a valid exercise of the statutory right of withdrawal under Article L221-21 of the French Consumer Code.

7.3 Waiver of Withdrawal Right

In accordance with Article L221-28 of the French Consumer Code, the right of withdrawal may be lost when the User expressly requests immediate access to the Premium Service and acknowledges that such immediate performance may result in the loss of the withdrawal right, under the conditions provided by law and by the applicable distribution platform. When the purchase is made through the Apple App Store or Google Play Store, the consent, withdrawal, and refund mechanisms may be operated by the relevant platform.

7.4 Refund

If the right of withdrawal is validly exercised within the 14-day period, the User is entitled to a refund of the amount paid for the cancelled subscription period, in accordance with applicable law. Because payments are processed by the Apple App Store or Google Play Store, the refund is issued by the relevant platform:

For Apple App Store purchases, refunds are processed by Apple, typically through reportaproblem.apple.com. The Publisher does not have the technical ability to refund Apple App Store purchases directly.
For Google Play purchases, refunds may be processed by Google or, in cases where the request is escalated to the Publisher and the platform allows it, by the Publisher via the Google Play Console.

The Publisher will assist Users with their refund request to the relevant platform and will not unreasonably oppose a valid statutory withdrawal claim. Nothing in this Article limits the User's statutory consumer rights.

Article 8 - Intellectual Property

8.1 Ownership

The Application, including its design, software, graphics, logos, trademarks, and all related content, is the exclusive property of the Publisher or its licensors. All intellectual property rights are reserved.

8.2 License

The Publisher grants Users a limited, non-exclusive, non-transferable, revocable license to use the Application for personal, non-commercial purposes in accordance with these Terms.

8.3 Restrictions

Users may not:

Copy, modify, or distribute the Application or its content
Reverse engineer, decompile, or disassemble the Application
Remove or alter any proprietary notices or labels
Use the Application for any commercial purpose without authorization
Attempt to gain unauthorized access to the Application's systems

Article 9 - Personal Data and Privacy

9.1 Data Collection

The Application collects and processes personal data in accordance with applicable data protection laws, including the General Data Protection Regulation (GDPR). The data we collect includes:

Account and authentication data (email address, Firebase user identifier, sign-in provider, display name and profile photo URL when provided by Google or Apple Sign-In)
Portfolio data manually entered by the User (ticker symbols, share quantities) and the public market data we retrieve for those tickers (price, last dividend, dividend dates, logo URL, exchange and sector)
User preferences (currency, language, timezone, withholding tax rate, monthly income goal, notification preference, email updates preference, theme)
Subscription status and entitlements
Push notification tokens (FCM/APNs) when notifications are enabled
Analytics and diagnostic data, including crash and error reports, performance traces, and masked session replays
Technical and security data, including device type, OS and Application version, IP address, and Firebase App Check attestation tokens

The Application does not collect:

Bank account credentials or access
Brokerage account credentials, balances, or transaction history
Purchase prices, cost basis, or capital gains data
Government identifiers (social security numbers, tax IDs, ID documents)
Payment card details (handled directly by Apple App Store and Google Play)

9.2 Privacy-First Approach

OnlyDividends operates on a privacy-first principle. The Application does not require bank account linking, brokerage synchronization, or access to financial accounts. Users manually enter their holdings using only stock symbols and quantities.

9.3 Data Rights

Users have the right to access, rectify, erase, restrict processing, object to processing, and request portability of their personal data. To exercise these rights, contact support@onlydividends.app.

9.4 Account Deletion

Users may delete their Account from Settings → Delete Account in the Application. Account deletion removes the User's Firebase Authentication account, the Firestore user profile, and the holdings sub-collection from our primary database. Some operational, billing, security, analytics, diagnostic, provider, and legal records may be retained as described in the Privacy Policy.

9.5 Privacy Policy

For complete information about data processing practices, please refer to our Privacy Policy available at https://onlydividends.app/en/privacy. Localized versions are available at /en/privacy, /fr/privacy, and /es/privacy.

Article 10 - Investment Disclaimer

IMPORTANT: PLEASE READ THIS SECTION CAREFULLY

10.1 No Investment Advice

The Application provides informational and educational content only. Nothing in the Application constitutes investment advice, financial advice, trading advice, or any other type of advice. The Publisher is not a registered investment advisor, broker-dealer, or financial planner.

10.2 No Recommendations

The Application does not recommend buying, selling, or holding any securities or financial instruments. Any information displayed about stocks, dividends, or financial data should not be interpreted as a recommendation or solicitation to invest.

10.3 Investment Risks

All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Dividend payments are not guaranteed and may be reduced or eliminated at any time at the discretion of the issuing company.

10.4 User Responsibility

Users are solely responsible for their investment decisions. Before making any investment decision, Users should consult with a qualified financial advisor who can provide personalized advice based on their individual circumstances, financial situation, and investment objectives.

10.5 Tax Information

The tax-adjusted calculations provided by the Application are estimates based on the withholding tax rate entered by the User. Cross-border dividend taxation is highly complex and involves international tax treaties; the Application's flat-rate simplification cannot replace a real tax assessment. These calculations are for informational purposes only and should not be relied upon for tax planning or compliance. Users should consult a qualified tax professional for advice specific to their situation.

Article 11 - Limitation of Liability

11.1 Service Provided "As Is"

The Application is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

11.2 Data Accuracy

The Publisher does not warrant the accuracy, completeness, or timeliness of financial data displayed in the Application. Stock prices, dividend amounts, payment dates, and other financial information are sourced from third-party providers and may contain errors or delays.

11.3 Exclusion of Liability

To the maximum extent permitted by applicable law, the Publisher shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, investments, or goodwill, arising from the use or inability to use the Application.

11.4 Maximum Liability

The Publisher's total liability for any claims arising from the use of the Application shall not exceed the amount paid by the User for the Service during the twelve (12) months preceding the claim, or fifty euros (€50) if the User is on the Free Tier.

11.5 Mandatory-Law Carveout

Nothing in these Terms shall exclude or limit the Publisher's liability where such exclusion or limitation is prohibited by applicable law. This includes, without limitation, liability for fraud or fraudulent misrepresentation, intentional misconduct, gross negligence, death or personal injury caused by negligence (where applicable), statutory consumer rights under the French Consumer Code and other mandatory consumer protection rules, obligations under data protection law, and any other liability that cannot legally be excluded or limited.

Article 12 - User Obligations

Users agree to:

Use the Application in compliance with these Terms and applicable laws
Provide accurate information when creating an Account
Maintain the security and confidentiality of their login credentials
Not attempt to disrupt or compromise the Application's security or functionality
Not use the Application for any unlawful or unauthorized purpose
Not share their Account with third parties

Article 13 - Termination

13.1 Termination by User

Users may terminate their Account at any time by deleting their account through the Application's settings or by contacting support@onlydividends.app. Active subscriptions should be cancelled through the Apple App Store or Google Play Store before account deletion.

Important: deleting the Account does not automatically cancel any active Subscription on the Apple App Store or Google Play Store. To avoid further billing, Users must cancel their Subscription directly with the relevant platform before deleting their Account.

13.2 Termination by Publisher

The Publisher may suspend or terminate a User's Account on any of the following legitimate grounds:

material or repeated violation of these Terms;
fraud, attempted fraud, or chargeback abuse;
abuse, scraping, bulk extraction, or unauthorized commercial exploitation of data displayed in the Application;
credible security risk created by the User's activity (including credential compromise, unauthorized access, or denial-of-service activity);
non-payment, reversal, or loss of a valid Premium subscription entitlement;
compliance with a legal obligation, court order, or instruction from a competent authority;
misuse of the Service, including use that infringes the rights of third parties;
discontinuation of the Service in whole or in part.

Where reasonable and not prohibited by law or by the urgency of the situation, the Publisher will give the User prior notice of suspension or termination and an opportunity to remedy the issue. In urgent cases (such as ongoing fraud, security threats, or legal obligations requiring immediate action), suspension or termination may take effect immediately.

13.3 Effects of Termination

Upon termination, the User's access to the Application will be revoked, and their account, portfolio, and preference data may be deleted in accordance with the Privacy Policy. Certain operational logs, subscription events, data retained by payment platforms or third-party providers, or information required for legal compliance may be retained for the periods described in the Privacy Policy. Termination does not affect any rights or obligations that accrued prior to termination.

Article 14 - Force Majeure

The Publisher shall not be liable for any failure or delay in performing its obligations due to circumstances beyond its reasonable control, including but not limited to natural disasters, acts of government, telecommunications failures, power outages, pandemics, strikes, or third-party service provider failures.

Article 15 - Modifications

15.1 Changes to Terms

The Publisher may modify these Terms to reflect changes to the Service, to legal or regulatory requirements, to the Publisher's service providers, or to subscription terms. Users will be notified of material changes via email or in-app notification at least thirty (30) days before the changes take effect, except where a shorter notice period is required by law (for example, urgent security or legal changes).

15.2 Acceptance of Changes

Continued use of the Application after the effective date of modified Terms constitutes acceptance of those changes. Users who do not agree with the modified Terms may discontinue use of the Application and, where applicable, cancel any active Subscription through the Apple App Store or Google Play Store. This clause does not affect mandatory consumer protection rules or any statutory right to refuse changes or terminate the contract.

15.3 Changes to the Service

The Publisher may modify, limit, suspend, or discontinue any feature of the Application, or the Application as a whole, in particular for security, legal, technical, or business reasons. The Publisher will give Users reasonable advance notice of material changes or discontinuation where this is feasible and not prohibited by law. Changes to limits or features described in Article 4 will not remove statutory consumer rights.

Article 16 - Applicable Law and Jurisdiction

16.1 Governing Law

These Terms are governed by and construed in accordance with the laws of France, without regard to its conflict of law provisions, and without prejudice to the mandatory consumer protection laws of the User's country of residence.

16.2 Dispute Resolution and Consumer Mediation

In the event of a dispute, Users are encouraged to first contact the Publisher at support@onlydividends.app to seek an amicable resolution.

In accordance with Articles L612-1 and L616-1 of the French Consumer Code, after first contacting OnlyDividends in writing at support@onlydividends.app and if no satisfactory resolution is reached, the User may refer the dispute free of charge to the consumer mediator designated by the Publisher:

Société Médiation Professionnelle - Médiation de la Consommation
Alteritae
5 rue Salvaing
12000 Rodez, France
Website: https://www.mediateur-consommation-smp.fr

For disputes relating to Apple App Store or Google Play billing, refunds, or platform subscription management, Users may need to contact Apple or Google according to the applicable platform procedures.

Consumers residing in the European Union may also use the European Commission's consumer redress portal at https://consumer-redress.ec.europa.eu. Recourse to mediation is optional and does not waive the User's right to bring an action before the competent courts.

16.3 Jurisdiction

Subject to mandatory consumer protection rules and any mandatory jurisdiction rules applicable to consumers, disputes shall be submitted to the competent French courts.

Article 17 - General Provisions

17.1 Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

17.2 Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between the User and the Publisher regarding the use of the Application.

17.3 No Waiver

The failure of the Publisher to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

17.4 Language

These Terms are available in English, French, and Spanish. In the event of any discrepancy or conflict between the different language versions, the French version shall prevail.

17.5 Assignment

Users may not assign or transfer their rights or obligations under these Terms without the Publisher's prior written consent. The Publisher may assign these Terms without restriction.

Article 18 - Apple App Store and Google Play Platforms

The Application is distributed through the Apple App Store (Apple Inc.) and the Google Play Store (Google LLC). Apple and Google are third-party platform providers, not parties to these Terms, and are not responsible for operating the OnlyDividends service, except to the extent expressly required by their own platform terms.

Subject to Apple's and Google's respective developer terms, Apple and Google are third-party beneficiaries of these Terms in respect of Users who installed the Application from their store, and may enforce these Terms against such Users.

Users must also comply with the applicable Apple App Store and Google Play terms and policies. Billing, automatic renewal, cancellation, refund processing, and platform subscription management are governed by the policies of the relevant platform; the Publisher does not directly collect or store payment card details.

If a User obtained the Application from the Apple App Store, the User and the Publisher acknowledge that:

these Terms are concluded between the User and the Publisher only, and not with Apple;
the Publisher (and not Apple) is solely responsible for the Application and its content;
Apple has no obligation to provide any maintenance or support services for the Application;
in the event of any failure of the Application to conform to any applicable warranty, the User may notify Apple, and Apple may refund the purchase price for the Application (if any). To the maximum extent permitted by applicable law, Apple has no other warranty obligation whatsoever with respect to the Application;
the Publisher (and not Apple) is responsible for addressing any claims by the User or any third party relating to the Application or the User's possession and use of it.

Equivalent acknowledgements apply where the Application was obtained from the Google Play Store, in accordance with Google's applicable terms.

Article 19 - Contact

For any questions, concerns, or requests regarding these Terms or the Application, please contact:

Email: support@onlydividends.app
Address: El Mourad Sroutou, 60 Rue François 1er, 75008 Paris, France
Website: https://onlydividends.app