Financial Disclaimer

Last updated: March 1, 2026

1. General Disclaimer

2. No Guarantees

3. Investment Risk

All investing involves risk, including the potential loss of principal. The value of your investments can go down as well as up, and you may receive back less than you originally invested. Specific risks associated with dividend investing include but are not limited to:

• Market Risk: Stock prices can decline due to market conditions, economic downturns, or company-specific factors, regardless of dividend yield.
• Dividend Risk: Companies may reduce or eliminate dividend payments at any time. A high dividend yield may indicate financial distress.
• Inflation Risk: Returns may not keep pace with inflation, reducing your purchasing power over time.
• Concentration Risk: Focusing heavily on dividend-paying stocks may result in inadequate portfolio diversification.
• Interest Rate Risk: Rising interest rates can negatively affect the prices of dividend-paying stocks, particularly utilities and REITs.
• Tax Risk: Tax laws and rates may change, affecting the after-tax return of dividend income.

4. Calculator Accuracy

The calculators on Dividend Engines are tools designed for illustrative and educational purposes only. They are based on mathematical formulas and the assumptions you input. Important limitations to understand:

• Calculator results are estimates and projections, not predictions of actual investment performance.
• Results are based on simplified assumptions such as constant growth rates, fixed dividend yields, and steady contributions, which may not reflect real-world conditions.
• Calculators do not account for all factors that affect investment returns, including taxes, fees, commissions, inflation variability, market volatility, and changes in dividend policies.
• Actual investment results will differ, sometimes significantly, from calculator projections.
• We make no representation that the results obtained from using our calculators will be accurate, complete, or suitable for any particular purpose.

5. Consult a Professional

A qualified professional can assess your complete financial picture, including your income, expenses, risk tolerance, time horizon, tax situation, and personal goals, to provide recommendations appropriate for you.

6. Affiliate Relationships

Dividend Engines participates in affiliate programs with brokerage firms, financial service providers, and other companies. This means:

• We may earn commissions when you click on affiliate links on our Site and subsequently open an account, make a purchase, or take another qualifying action.
• These commissions come at no additional cost to you. The prices and terms you see are the same whether or not you use our affiliate links.
• Our affiliate relationships do not influence our analysis, recommendations, reviews, or the content of our calculators.
• We strive to provide honest, objective information regardless of whether we have an affiliate relationship with a particular company.
• Not all brokers or financial products featured on our Site are affiliate partners.

We believe in full transparency about our affiliate relationships. Our goal is to provide valuable, unbiased information while sustaining the free resources we offer to our users.

7. Forward-Looking Statements

Certain content on this Site may contain forward-looking statements, projections, or hypothetical scenarios. These statements are based on current expectations, assumptions, and historical data, and are subject to significant risks and uncertainties. Important considerations include:

• Projections and hypothetical scenarios are for illustrative purposes only and should not be interpreted as forecasts or predictions.
• Growth rates, dividend yields, and returns used in examples and calculators are assumptions and may not reflect future reality.
• Economic conditions, market trends, interest rates, and other factors can change rapidly and unpredictably.
• Historical data, including past dividend payments and stock performance, is not indicative of future results.

8. Third-Party Content

Our Site may reference, link to, or display data from third-party sources, including financial data providers, news outlets, and other websites. Regarding third-party content:

• We do not guarantee the accuracy, completeness, timeliness, or reliability of any third-party data or content displayed on our Site.
• Stock prices, dividend yields, financial ratios, and other market data may be delayed or inaccurate.
• We are not responsible for the content, products, services, or privacy practices of any third-party websites linked from our Site.
• The inclusion of third-party links or data does not imply our endorsement or approval of those sources.

9. No Endorsement of Specific Securities

Any mention of specific stocks, ETFs, mutual funds, or other securities on this Site is for educational and informational purposes only and should not be interpreted as:

• A recommendation to buy, sell, or hold any particular security
• A solicitation of any transaction in any security
• An endorsement of any company, stock, or financial product
• A guarantee that any security will perform in a certain way

Any discussion of individual securities, including dividend aristocrats, high-yield stocks, or any other specific investments, is provided solely for educational purposes. You should conduct your own thorough research and due diligence, and consult with a qualified financial professional, before making any investment decisions.

10. Limitation of Liability

To the maximum extent permitted by applicable law, Dividend Engines, its owners, operators, affiliates, and contributors shall not be held liable for any damages whatsoever, including but not limited to direct, indirect, incidental, special, consequential, or punitive damages, arising out of or in connection with:

• Your use of, or reliance on, any content, tools, or calculators on this Site
• Any investment decisions you make based on information obtained from this Site
• Any financial losses, whether realized or unrealized, resulting from your investment activities
• Errors, inaccuracies, or omissions in any content or calculator results
• Any interruption or cessation of the Site or its services
• Any third-party content, products, or services accessed through links on our Site

By using this Site, you acknowledge that you are solely responsible for your own investment decisions and that you use the information and tools provided at your own risk.

11. Contact Us

If you have any questions about this Financial Disclaimer, please contact us:

• Email: support@dividendengines.com
• Website: dividendengines.com