Effective September 30, 2026
These terms are an agreement between you and The Dividend Record ("we," "us," "our"). They cover this website, the free weekly letter, The Dividend Record Portfolio, and every email and page we publish (together, "the Service"). By subscribing to or using the Service, you agree to these terms, our Disclosures and our Privacy Policy. If you do not agree, please do not use the Service.
The Dividend Record is a financial publisher. We offer two things:
The free weekly letter. One dividend paying company each week, explained in plain English.
The Dividend Record Portfolio. A paid subscription that includes our model portfolio consisting of 25 dividend stocks, equally weighted and refreshed four times per year. The Quarterly Draft explains the stocks we selected for inclusion in the portfolio and the reasoning behind each pick.
We may add to, change or stop parts of the Service over time and without warning. We strive for continual improvement and refinement of our offering.
Everything we publish is general and educational. It is not investment, financial, tax or legal advice, and it is not a recommendation to buy or sell any security. We do not know your situation and we do not give personal advice. Our full Disclosures are part of these terms, and you should read them.
You must be at least 18 years old to use the Service. You agree to give us an accurate email address and to keep it current.
Price. The current price is shown before you pay.
Billing. Payment is charged when you subscribe. Payments are processed by our payment provider, Stripe, through our publishing platform, beehiiv. We do not see or store your full card number.
Renewal. Your subscription renews automatically at the end of each paid year, and your payment method is charged at renewal, until you cancel.
You can cancel at any time from your account on our website, which you can also reach from the link at the bottom of every email. When you cancel, choose the option to move to the free weekly letter. Your paid subscription will not renew, and your paid access continues through the end of the period you have already paid for.
If you unsubscribe from all emails instead, your paid subscription is canceled and all emails stop right away.
Payments are not refundable, including for unused time in the year, except where the law requires a refund.
You sign in with your email address. Keep your email account secure, because anyone who can use it can sign in as you. A subscription is for one person. Please do not share your sign in or your subscription.
We grant you a personal, limited, revocable license to read and use what we publish for your own information.
You may forward a free weekly letter to a friend. You may not copy, republish, sell, distribute or share any paid content, including the Portfolio list, The Quarterly Draft or subscriber pages, with anyone who is not a subscriber. You may not scrape, harvest or copy the Service by automated means, or use our content to build a competing product or to train or feed an automated system.
Everything we publish, including text, tables, charts, lists, names and designs, belongs to us or to those who license it to us, and is protected by copyright and other laws. Nothing in these terms transfers ownership to you.
Our website and emails run on beehiiv, and payments are processed by Stripe. Their own terms and privacy policies apply to what they do. We may link to other websites and sources. We are not responsible for their content or their practices.
The Service is provided "as is" and "as available." To the fullest extent the law allows, we make no warranties of any kind, express or implied, including warranties of accuracy, completeness, fitness for a particular purpose, or uninterrupted availability. We do not promise any investment result.
To the fullest extent the law allows, we are not liable for any investment loss, lost profit, or indirect, incidental, special, consequential or punitive damages arising from your use of the Service or your reliance on anything we publish.
Our total liability for any claim relating to the Service is limited to the amount you paid us in the 12 months before the claim arose, or $100 if you paid us nothing.
You agree to cover any claim, loss or expense, including reasonable legal fees, that arises from your breach of these terms or your misuse of the Service.
We may suspend or end your access if you break these terms, including by sharing paid content.
We may update these terms. When we do, we will post the new version here with a new effective date. Continuing to use the Service after a change takes effect means you accept it.
If any part of these terms is found unenforceable, the rest remains in effect. These terms, our Disclosures and our Privacy Policy are the entire agreement between you and us about the Service. If we do not enforce a term, we have not waived it.
Questions about these terms can go to [email protected].
One dividend company examined every Wednesday, in about five minutes. Free, and you can leave at any time.
Educational and informational only. Not investment, financial or tax advice, and not a recommendation to buy or sell any security. Past performance does not guarantee future results.