Effective Date: August 31, 2026
1. About SecondSalary
These Terms of Use (“Terms”) govern your access to and use of the websites, applications, demonstrations, technology and informational services operated or made available by SecondSalary Corp. (“SecondSalary,” “we,” “us,” or “our”), including information relating to Dividend Advance and DRIP Accelerator (collectively, the “Services”).
By accessing or using the Services, you agree to these Terms. If you do not agree, you should not use the Services.
SecondSalary develops technology designed to help investors understand, manage and potentially access dividend income differently.
Dividend Advance technology is designed to facilitate the advancement of eligible dividend income ahead of the dividend issuer’s traditional payment date and may allow eligible users to receive dividend-related income according to a different or more frequent schedule.
Dividend Advance products may be made available through participating financial institutions, brokerages, financial-service providers or other partners. Availability, eligibility, advance amounts, fees, payment schedules, reconciliation procedures and all other product terms may vary by participating institution.
Information appearing on the SecondSalary website does not itself constitute an offer, approval or agreement to provide a Dividend Advance.
2. Participating Institutions
Where Dividend Advance is offered through a participating institution, the institution’s applicable agreements, disclosures, eligibility requirements and program terms govern the actual financial product provided to you.
If these Terms conflict with the specific terms governing a Dividend Advance offered by a participating institution, the applicable institution-specific terms will govern with respect to that product.
SecondSalary does not guarantee that Dividend Advance will be available through any particular financial institution or in any particular jurisdiction.
3. No Investment Advice
SecondSalary does not provide investment, securities, tax, accounting or legal advice.
Nothing provided through the Services constitutes a recommendation to purchase, sell, hold or reinvest in any security or to pursue any particular investment strategy.
Any decision to invest or reinvest dividend proceeds is made solely by the user.
Investing involves risk, including possible loss of principal.
4. Dividends Are Not Guaranteed
Dividends are determined and declared by the companies or other issuers that pay them. Dividends may be increased, decreased, suspended, delayed or eliminated at any time.
Historical dividend payments, indicated dividend rates, projected dividend income and other dividend information do not guarantee future distributions.
Any estimate of future dividend income displayed by SecondSalary or its technology is an estimate only.
5. Dividend Advance
Dividend Advance may use information concerning securities ownership, announced or anticipated dividends, payment schedules and other information to determine or estimate dividend income that may become payable to an investor.
Receiving funds through Dividend Advance does not change the underlying issuer’s dividend declaration or payment date.
Actual Dividend Advance availability and terms may depend upon factors established by the participating institution, including continued ownership of eligible securities, dividend declarations, account status and applicable program requirements.
Dividend reductions, cancellations, security sales, account transfers, corporate actions, errors, adjustments or other events may result in adjustments, reconciliation or repayment obligations as specified in the applicable institution’s program terms.
6. DRIP Accelerator and Projections
DRIP Accelerator and other SecondSalary calculators, illustrations, simulations and projection tools are provided for educational and informational purposes only.
They may illustrate hypothetical differences between receiving or reinvesting dividend income on a traditional schedule and receiving or reinvesting advanced dividend income on an accelerated or more frequent schedule.
These illustrations may rely on historical prices, historical dividends, assumptions and hypothetical reinvestment dates.
They are not predictions of future investment performance.
Earlier or more frequent reinvestment may result in purchasing securities at prices that are higher or lower than would otherwise have occurred. There is no guarantee that accelerated reinvestment will improve investment returns.
Past performance is not indicative of future results.
7. Brokerage and Financial Account Information
Certain Services may permit users to connect or provide information relating to brokerage or financial accounts through third-party technology providers.
By connecting an account, you authorize the applicable provider and SecondSalary to access and process information necessary to provide the requested Services, subject to applicable agreements and privacy policies.
SecondSalary does not control the availability, accuracy or security of third-party brokerage platforms, financial institutions or data providers.
8. Accuracy of Information
We attempt to provide useful and accurate information, but financial information may originate from third parties and may be delayed, incomplete or inaccurate.
SecondSalary does not guarantee the accuracy, completeness, availability or timeliness of dividend information, market information, security information, calculations, estimates or projections.
You should independently verify information before making financial or investment decisions.
9. Eligibility
You must be legally capable of entering into these Terms to use the Services.
Certain Services or Dividend Advance programs may have additional age, residency, account, securities ownership, jurisdictional or other eligibility requirements established by SecondSalary or a participating institution.
10. Acceptable Use
You may not misuse the Services, attempt unauthorized access, interfere with their operation, reverse engineer proprietary technology except where expressly permitted by law, scrape or systematically extract data, circumvent security measures, or use the Services for fraudulent or unlawful purposes.
11. Intellectual Property
The SecondSalary name, Dividend Advance name, DRIP Accelerator name, software, algorithms, methodologies, calculations, interfaces, designs, content and related technology are owned by or licensed to SecondSalary Corp. and are protected by intellectual-property laws.
Certain Dividend Advance technologies and methods are the subject of issued and/or pending United States patents and other intellectual-property rights.
Nothing in these Terms grants any license or right to copy, reproduce, commercialize, reverse engineer or otherwise use SecondSalary intellectual property except for ordinary authorized use of the Services.
12. Third-Party Services
The Services may integrate with or link to financial institutions, brokerage firms, data providers and other third parties.
SecondSalary is not responsible for the availability, operation, content, privacy practices or performance of third-party services.
Your use of those services may be governed by separate agreements with those third parties.
13. Service Availability
We may modify, suspend or discontinue any portion of the Services at any time.
We do not guarantee uninterrupted or error-free operation of the Services.
14. Disclaimer of Warranties
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.”
SECONDSALARY DISCLAIMS WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT AND ANY WARRANTY THAT THE SERVICES WILL BE ACCURATE, AVAILABLE, SECURE OR ERROR-FREE.
15. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SECONDSALARY AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, LOST PROFITS, LOST INVESTMENT OPPORTUNITIES, TRADING LOSSES OR LOSSES ARISING FROM RELIANCE ON INFORMATION OR PROJECTIONS PROVIDED THROUGH THE SERVICES.
Nothing in these Terms excludes liability that cannot legally be excluded.
16. Changes to These Terms
We may update these Terms periodically. Updated Terms will be posted with a revised effective date.
Your continued use of the Services following an update constitutes acceptance of the revised Terms to the extent permitted by law.
17. Governing Law
These Terms will be governed by the laws applicable to SecondSalary Corp. and the jurisdiction specified by SecondSalary, without regard to conflict-of-law principles, except where applicable law requires otherwise.
18. Contact
Questions regarding these Terms may be submitted through the contact information or contact form provided on the SecondSalary website.
SecondSalary Corp.