1. Agreement to Terms

By accessing or using Hiveconomy's website, applications, tools, or services ("Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Services.

These Terms apply to all users of our Services, including our dividend tracking applications, stock screening tools, personal finance software, educational content, financial coaching services, and any related SaaS products.

3. Description of Services

Hiveconomy provides various educational tools and resources including:

• Dividend Tracking Applications: Software tools to help you track and analyze dividend-paying investments for educational purposes
• Stock Screening Tools: SaaS applications to filter and analyze stocks based on various criteria
• Personal Finance Apps: Budgeting, expense tracking, and financial planning tools
• Educational Content: Articles, guides, videos, and resources about personal finance and investing
• Financial Coaching Services: Educational coaching focused on financial literacy and planning concepts
• Premium Features: Advanced analytics, reporting, and personalized educational content

4. User Accounts and Responsibilities

4.1 Account Creation

To access certain features, you may need to create an account. You agree to provide accurate, current, and complete information and to keep your account information updated.

4.2 Account Security

You are responsible for maintaining the security of your account credentials and for all activities that occur under your account.

4.3 Prohibited Activities

You agree not to:

• Use our Services for any illegal or unauthorized purpose
• Share or resell our proprietary tools or content without permission
• Attempt to gain unauthorized access to our systems
• Use automated systems to access our Services without permission
• Provide false or misleading information
• Interfere with the proper functioning of our Services

5. Subscription and Payment Terms

5.1 Paid Services

Some of our Services require payment. By subscribing to paid Services, you agree to pay all applicable fees as described at the time of purchase.

5.2 Billing and Cancellation

Subscription fees are billed in advance on a recurring basis. You may cancel your subscription at any time, but no refunds will be provided for unused portions of paid periods unless required by law.

5.3 Price Changes

We reserve the right to change our pricing with reasonable notice to existing subscribers.

6. Intellectual Property Rights

All content, software, tools, and materials provided through our Services are owned by Hiveconomy or our licensors and are protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works without our written permission.

8. Disclaimers of Warranties

Our Services are provided "AS IS" and "AS AVAILABLE" without warranties of any kind. We disclaim all warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

9. Data and Privacy

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your information.

10. Third-Party Services and Content

Our Services may integrate with or display content from third-party services (such as financial data providers). We are not responsible for the accuracy, completeness, or reliability of third-party content or services.

11. Termination

We may terminate or suspend your access to our Services at any time, with or without cause, with or without notice. You may also terminate your account at any time by contacting us or using the account deletion features in our applications.

12. Geographic Restrictions

Our Services are intended for users in jurisdictions where such services are legal. You are responsible for ensuring your use of our Services complies with applicable local laws.

13. Indemnification

You agree to indemnify and hold harmless Hiveconomy and its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including attorney fees) arising from your use of our Services or violation of these Terms.

14. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with applicable laws. Any disputes arising from these Terms or your use of our Services shall be resolved through binding arbitration or in the courts having jurisdiction.

15. Changes to Terms

We may modify these Terms at any time by posting the updated Terms on our website. Your continued use of our Services after such changes constitutes acceptance of the new Terms.

16. Severability

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

17. Contact Information

If you have any questions about these Terms of Service, please contact us at: