Terms of Service

What this is

Stacking Yields is a personal portfolio tracker focused on dividend income. It lets you record holdings, view a dividend calendar, forecast cash flow, and run tax calculations. The app is currently free and invite-only. By using it you agree to these terms.

Not financial advice

Nothing in this app is financial, investment, or tax advice. This includes:

• Diversification analysis — income concentration flags, yield-anomaly warnings, and dividend-cut alerts are observations based on the data you entered, not recommendations to buy, sell, or hold any security.
• Tax calculator — the after-tax yield and tax-equivalent yield figures are estimates using general federal bracket rules and a state rate you provide. They do not account for your full tax picture, alternative minimum tax, state-specific rules, or the interaction of dividend income with other income sources.
• Projected income figures — dividend projections are mechanical extrapolations of historical payment spacing and amounts. They assume no changes to your holdings, the dividend rate, or market prices. They are not forecasts.

For decisions involving real money, consult a qualified financial adviser or tax professional.

Market data accuracy and delay

Price and dividend data come from Polygon.io / Massive on a free-tier feed that provides end-of-day data with at least one trading session of lag. In practice, the most recent price shown is always the prior completed trading session's closing price — there is no intraday data, and requesting the current day's data is not permitted on this tier at any hour.

This means:

• Portfolio valuations shown in the app are based on prices that may be one or more days old.
• Dividend amounts and dates are sourced from the provider and may contain errors or omissions.
• Yield, projected income, and cost-yield figures are calculated from that data and inherit its limitations.

Do not use data from this app as the basis for trading decisions. Verify prices and dividend information with your brokerage or another authoritative source before acting.

Account and access

The app is currently invite-only. You are responsible for keeping your password secure and for any activity that occurs under your account. If you believe your account has been compromised, use the password reset flow immediately.

You may not share your account, attempt to access other users' data, or use the app in ways that would degrade the service for others (including automated scraping or abuse of the public API endpoints).

No warranty

The app is provided as-is, without warranty of any kind. There is no guarantee that it will be available at any given time, that data will be accurate or complete, or that any feature will continue to work as described. Dividend payment history is the core of the app's value and is treated as permanent, but no backup or recovery guarantee is made.

Note for the operator: The "no warranty" and "limitation of liability" clauses below are placeholders in plain language. Before charging users or operating in a jurisdiction with mandatory consumer protections, these need proper legal drafting. Some jurisdictions do not permit disclaiming implied warranties of merchantability or fitness for a particular purpose, and the limitation of liability may not be enforceable as written. A lawyer should review both before public signup opens.

Limitation of liability

To the maximum extent permitted by applicable law, Stacking Yields and its operator are not liable for any loss or damage arising from your use of the app, including financial losses resulting from reliance on data shown in the app. This applies whether the claim is based on contract, tort, or any other legal theory, even if the operator was advised of the possibility of such damages.

If the foregoing limitation is unenforceable, liability is limited to the amount you paid to use the service in the twelve months preceding the event giving rise to the claim. While the service is free, that amount is zero.

Pricing and changes

The app is currently free. This may change. If a paid tier is introduced, existing users will receive reasonable notice before any free access is removed or restricted.

These terms may be updated at any time. The last-updated date at the top will reflect any changes. Continued use after an update constitutes acceptance. For material changes, registered users will be notified by email where practical.

Termination

You may stop using the app at any time. To request deletion of your data, see the Privacy Policy. The operator may suspend or terminate access for violation of these terms, abuse of the service, or at discretion, with reasonable notice where practical.

Contact

Questions: hello@stackingyields.com