Terms of Service · Yield Scanner

1. Who we are and this agreement

These Terms govern your use of Yield Scanner (the “Service”), operated from Ontario, Canada. By creating an account or using the Service you agree to them and to our Privacy Policy. Contact: privacy@<our-domain>.

2. What the Service is

Yield Scanner lets you track portfolios you enter yourself, research stocks, and view dividend and event information. It is a research and record-keeping tool.

3. Educational only, not investment advice

Everything in the Service is educational information, not investment advice. We are not a registered adviser or dealer with any securities regulator. We do not know your goals, finances or risk tolerance and nothing is tailored to you.

The same data is ranked and presented the same way for every user. Tiles such as the Technical Signal Summary are calculated from indicators by formula and are identical for everyone.
Investing involves risk, including loss of principal. Past performance does not indicate future results.
Annualised and “if called” figures are illustrative: they assume results repeat perfectly, which rarely happens. A covered call’s premium cushions only a small decline and is not downside protection, and calls cap your upside.
Market data may be delayed (typically about 15 minutes) or inaccurate, and calculations may contain errors.
Speak with a registered professional before making investment decisions. You alone are responsible for your decisions.

4. Eligibility and your account

You must be at least 18 and able to form a binding contract.
Give accurate information and keep your email account secure. Anyone with access to your email or Google account can sign in as you.
You are responsible for activity on your account. One account per person; no sharing.
Tell us promptly if you suspect unauthorised access.

5. Your information, imports and AI features

Your portfolio data stays yours. You give us a limited licence to store and process it only to provide the Service, as described in the Privacy Policy.

AI features can be wrong. Screenshot import uses third-party AI to read holdings. You must review and confirm the extracted data before saving, and you are responsible for its accuracy. Values shown are recomputed from market quotes, not taken from your screenshot.

If you connect a broker in future, you authorise us to read your holdings in read-only mode, you must follow your broker’s terms, and you can disconnect at any time.

6. Third-party data

Prices, company data, news and other content come from third parties (for example Yahoo Finance). We do not guarantee its accuracy, completeness or timeliness, and it is provided for your personal use only. Third-party services may change or stop without notice.

7. Acceptable use

Do not scrape, copy, resell or redistribute the Service or its data.
Do not reverse engineer, probe, overload or interfere with the Service or its security.
Do not use the Service unlawfully, upload content you have no right to use, or share your account.
Do not misuse referral or coupon codes (for example by creating fake accounts).

8. Subscriptions, trials and billing

Paid plans are not yet available. When they start, these terms will apply, and we will show the price, taxes, billing cycle and renewal terms before you pay.

Auto-renewal: paid plans renew automatically each period until you cancel.
Free trials: if a trial converts to a paid plan, we will email you a reminder before you are charged.
Cancel anytime: online, in Settings, in one step. You keep access until the end of the paid period.
Price changes: we will give at least 30 days’ notice.
Refunds: [policy to be confirmed].
Promotions and codes: have no cash value, may be limited or withdrawn, and may be forfeited if abused. We apply eligible codes when billing starts.

Nothing here limits consumer rights you have under the laws of your province, including Québec’s Consumer Protection Act.

9. Intellectual property

We own the Service, its software, design and branding. We grant you a personal, non-exclusive, non-transferable licence to use it while your account is active. Third-party data and marks belong to their owners.

10. Suspension and termination

You can stop using the Service and delete your account at any time in Settings. We may suspend or end access if you breach these Terms, create risk or legal exposure, or if we discontinue the Service, with notice where practical.

11. Disclaimers

To the extent the law allows, the Service is provided “as is” and “as available” without warranties of any kind, including accuracy, fitness for a purpose, or uninterrupted availability. We are not responsible for any trading or investment loss.

12. Limitation of liability

To the extent the law allows, we are not liable for indirect, incidental, special or consequential damages, or for lost profits or investment losses. Our total liability for any claim is limited to the amount you paid us in the 12 months before the claim, or CAD $100 if you paid nothing.

These limits do not exclude liability that cannot be excluded by law, and do not affect your statutory consumer rights, including those of Québec consumers.

13. Indemnity

You will cover losses we suffer from claims by third parties caused by your unlawful use of the Service or your breach of these Terms, to the extent the law permits for consumers.

14. Governing law and disputes

These Terms are governed by the laws of Ontario and the federal laws of Canada that apply there. Disputes go to the courts of Toronto, Ontario, except that where consumer-protection law of your province lets you bring a claim in your local courts, nothing here removes that right. Québec consumers keep the right to sue in Québec.

15. Changes to these Terms

We may update these Terms. We will post the new version with a new date and give you advance written notice of material changes by email or in the app. If you do not agree, you can cancel and delete your account before they take effect; continued use afterwards means you accept them.

16. Language

A French version is planned and available on request. Les parties ont exigé que la présente convention soit rédigée en anglais; a French version will be provided on request.