1. No Financial Advice

Income Refinery is provided for informational and personal organisational purposes only. Nothing contained in this dashboard constitutes, or should be construed as, financial advice, investment advice, tax advice, legal advice, or any other professional advice of any kind. Income Refinery is not a licensed financial adviser, investment manager, broker, dealer, tax consultant, or legal professional in any jurisdiction. No information presented herein should be relied upon as the basis for any investment decision, financial plan, tax strategy, or legal course of action. You should always seek the advice of qualified professionals before making any financial or investment decisions.

2. Data Accuracy & Third-Party Sources

Dividend and distribution data retrieved via the live lookup feature is sourced from Yahoo Finance and other third-party data providers. This data may be delayed, incomplete, inaccurate, or out of date. Income Refinery makes no representation, warranty, or guarantee — express or implied — as to the accuracy, completeness, timeliness, reliability, or fitness for purpose of any data displayed or retrieved. Data errors, omissions, feed outages, or API changes by third-party providers may result in incorrect figures being displayed without any warning or notification. All automatically retrieved data should be independently verified against official issuer announcements, exchange filings, and regulatory disclosures before being relied upon.

3. No Guarantee of Future Income

Past dividend payments, distribution histories, and income figures displayed in this tool are historical data only and are not indicative of, nor any guarantee of, future payments, returns, yields, or income. Dividends, distributions, and rental income can be reduced, suspended, eliminated, or varied at any time at the discretion of the issuing company, fund manager, trustee, or tenant, and without notice. All income projections and estimates generated by this tool are hypothetical in nature and are based solely on data entered by the user. Actual income received may differ materially from estimates shown.

4. Currency & Foreign Exchange Risk

This tool includes a live foreign exchange rate retrieval feature that fetches reference rates from the Frankfurter API, which is sourced from the European Central Bank (ECB). These rates are mid-market reference rates published on ECB business days and do not represent real-time interbank rates, retail exchange rates, or the rates applied by any specific bank, broker, currency exchange service, or financial institution. ECB reference rates are typically updated once per business day and are not available on weekends or public holidays; on such days the most recently available rate is returned. Rates fetched may therefore be up to several calendar days old depending on when you access this tool. Where the live fetch fails or is unavailable, the tool falls back to hardcoded estimated rates which are periodically set by the creator and may not reflect current market conditions. Actual currency conversion rates at the time of income receipt will differ from rates shown, potentially materially. Currency values can fluctuate significantly, rapidly, and without warning. Income denominated in foreign currencies is subject to exchange rate risk, which may reduce or eliminate returns when converted to your home currency. The tool does not account for currency conversion fees, bid-ask spreads, broker margins, or hedging costs. All FX rates should be independently verified before being relied upon for any financial decision. Income Refinery accepts no liability for losses arising from reliance on exchange rates displayed or retrieved by this tool, whether sourced from the live API or from estimated defaults.

5. Tax Considerations

This tool does not provide tax advice. The withholding tax toggle is a simplified estimation feature only and does not reflect the actual tax treatment applicable to any individual user's specific circumstances, jurisdiction of residence, domicile, nationality, or tax treaties in force. Tax laws and withholding rates vary by country, change frequently, and depend on the nature of the income, the legal structure of the investment vehicle, and your personal tax situation. You are solely responsible for understanding and complying with all applicable tax laws and reporting obligations in your jurisdiction. Income Refinery accepts no liability for any tax liability, penalty, or consequence arising from reliance on the tax-related features of this tool.

6. Investment Risk

All investments carry risk, including the risk of loss of principal. The value of investments and the income derived from them can fall as well as rise. REITs, closed-end funds, dividend stocks, bonds, peer-to-peer lending instruments, and other income-generating assets referenced by users of this tool are subject to market risk, credit risk, liquidity risk, interest rate risk, inflation risk, concentration risk, regulatory risk, and other risks. None of these risks are quantified, assessed, or communicated by this tool. Past performance of any investment is not a reliable indicator of future results. You may receive less than you invest.

7. Data Privacy & Local Storage

All portfolio data, income figures, property details, and settings entered into this tool are stored locally on your device using your browser's localStorage mechanism. No data is transmitted to, stored on, or processed by any external server operated by Income Refinery. However, the creator makes no warranty that locally stored data is secure, permanent, or protected from access by third parties with physical or remote access to your device. You are solely responsible for the security of your device and the data stored thereon. You should not enter sensitive personal, financial, or identifying information beyond what is necessary for your own planning purposes.

8. Third-Party Services & API Keys

This tool may use the following third-party services, depending on which features you choose to enable: Yahoo Finance (via CORS proxy services including api.allorigins.win, corsproxy.io, and api.codetabs.com — for fallback dividend lookup); Twelve Data, EODHD (EOD Historical Data), Financial Modeling Prep, Alpha Vantage, Polygon.io, and MarketStack (optional premium dividend-data APIs requiring user-supplied API keys); the Frankfurter API operated by Lineofflight (for live foreign exchange rate data sourced from the European Central Bank); ExchangeRate-API (as a fallback foreign exchange rate source); the SheetJS / xlsx.js JavaScript library loaded from the jsDelivr content delivery network (for parsing uploaded watchlist and holdings spreadsheets, and for generating Excel exports — loaded only on demand); and Google Fonts (for typography). These services are operated independently and are subject to their own terms of use, privacy policies, data accuracy standards, and service availability. Income Refinery has no affiliation with, and accepts no responsibility for, the accuracy, availability, continuity, or conduct of any third-party service. Third-party services may be discontinued, modified, rate-limited, or restricted at any time and without notice. The live lookup, rate refresh, and watchlist parsing features are provided as a convenience only and are not guaranteed to function in any particular manner or at all. Continued availability of these features depends entirely on the ongoing operation of third-party APIs and content delivery networks outside the creator's control. API keys you enter are stored in your browser's localStorage on this device only and are transmitted only directly to the corresponding API provider when you initiate a lookup; they are never sent to any server operated by the creator. Watchlist spreadsheet files you upload are parsed entirely client-side in your browser; the file contents and parsed rows remain on your device and are not transmitted to the creator. You are responsible for the security of any API keys you enter, for complying with the terms of service of each third-party API provider, for managing your own API quota and billing (where applicable), and for the accuracy of any uploaded watchlist data.

9. Limitation of Liability

To the fullest extent permitted by applicable law, Income Refinery, developer, and any distributors of this tool shall not be liable for any direct, indirect, incidental, special, consequential, punitive, or exemplary damages of any kind arising out of or in connection with your use of, or inability to use, this tool or any data displayed herein. This includes but is not limited to: loss of income, loss of profits, loss of savings, financial loss, investment loss, loss of data, or any other pecuniary or non-pecuniary loss, regardless of whether such loss was foreseeable or the creator had been advised of the possibility of such loss. Some jurisdictions do not allow the exclusion or limitation of certain damages, in which case the above limitation may not apply to you.

10. No Warranties

This tool is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, accuracy, completeness, non-infringement, or uninterrupted availability. Income Refinery does not warrant that the tool will be error-free, that defects will be corrected, that calculations will be accurate, or that the tool or the servers that make data available are free of viruses or other harmful components. You assume full responsibility and risk for your use of this tool.

11. Intellectual Property

All code, design, layout, content, and functionality contained in this tool are the intellectual property of the creator and are protected by applicable copyright, trade secret, and other intellectual property laws. No part of this tool may be reproduced, distributed, modified, adapted, translated, reverse-engineered, decompiled, disassembled, or used to create derivative works without the express prior written consent of the creator. Authorised distributors and partners may only distribute this tool in its original, unmodified form and solely pursuant to the terms of a written distribution agreement. Any unauthorised copying, redistribution, or sale of this tool or its underlying code constitutes copyright infringement and may be subject to civil and criminal penalties.

12. User Responsibility

By using this tool, you acknowledge and agree that: (a) you are using it entirely at your own risk; (b) you are solely responsible for verifying the accuracy of all data entered or retrieved; (c) you will independently verify all dividend, distribution, rental income, and other financial figures against official and authoritative sources before making any financial decision; (d) you will seek independent professional advice from appropriately qualified and licensed advisers before acting on any information presented; and (e) you will not hold Income Refinery, developer, or any authorised distributor liable for any outcome arising from your use of this tool.

13. No Support, Maintenance, or Updates

This tool is provided on a one-time, as-is basis. Income Refinery does not provide, and you should not expect, any form of after-sales support, technical assistance, customer service, helpdesk access, bug fixes, patches, updates, enhancements, or ongoing maintenance of any kind. No obligation is assumed by the creator to respond to any enquiry, report, complaint, or request for assistance relating to this tool, whether submitted by a direct user, an authorised distributor, or any third party. Income Refinery reserves the right, at their sole discretion and without notice, to discontinue development of this tool, withdraw it from distribution, modify its features, or cease providing access to any third-party data services it depends upon. Any updates or new versions that may be released in the future, if any, are provided entirely at the creator's discretion and do not create an expectation of continued support or future development. You accept this tool in its current state and assume full responsibility for its fitness for your intended purpose.