Terms of Service

Sections in this document carry an In plain terms line. Those lines are a summary written for readability. They do not supersede or replace the clause they accompany; where the two differ, the clause governs.

Last updated: September 2026
AuraCenzo Holdings LLC d/b/a CaptureDiv

Intended market: CaptureDiv™ is designed for US-based investors. Our data covers US-listed securities, pricing is in US dollars, and nothing here is tailored to non-US tax treatment, regulation, or market structure. We do not market the service outside the United States.

1. Acceptance of Terms

In plain terms — using CaptureDiv means you accept these terms. If you do not, do not use it.

By accessing or using CaptureDiv™ ("the Service" or "Platform"), you agree to be bound by these Terms of Service ("Terms") and all applicable laws and regulations. If you do not agree to these Terms, you are prohibited from using the Service. The Service is owned and operated by AuraCenzo Holdings LLC, a Florida limited liability company, doing business as CaptureDiv ("Company," "we," "us," or "our").

2. Description of Service

In plain terms — what CaptureDiv is, and what the grade is. The definition of the grade here is the binding one, and every other place we define it renders that same sentence.

CaptureDiv is a dividend investment intelligence platform. It provides dividend data and analysis, portfolio tracking, income projections, thirteen AI agents that summarise and explain filings, news and portfolio activity, educational content, and CaptureGrade™.

CaptureGrade™ is a deterministic letter grade, A through F, computed by CaptureDiv's scoring engine from filed and vendor-supplied figures — payout ratio, cash coverage, dividend record, and balance-sheet leverage — and ranked against the company's own peer group of the same security type. It is not produced by artificial intelligence, it is a rank rather than a prediction that a dividend will or will not be cut, and it is not investment advice.

CaptureGrade™ is our opinion, computed by a fixed method from figures the company itself has filed with the SEC, with the factor readings behind each grade shown on that company's stock page. It is not a statement of fact about a company's conduct, management or prospects.

The Service is intended for informational and educational purposes only.

3. Not Financial Advice

In plain terms — we are not your advisor. Nothing here is a recommendation to buy or sell anything.

THE SERVICE DOES NOT PROVIDE FINANCIAL, INVESTMENT, TAX, OR LEGAL ADVICE. AuraCenzo Holdings LLC is not a registered investment advisor, broker-dealer, financial planner, or licensed financial professional. All content, data, analysis, CaptureScore™ values, CaptureGrade™ letters, and any other output provided by the Service are for informational and educational purposes only. Nothing on the Service constitutes a recommendation to buy, sell, hold, or otherwise transact in any security or financial instrument. Past performance and historical dividend data do not guarantee future results. You should consult a qualified, licensed financial advisor before making any investment decisions.

4. User Accounts

In plain terms — you must be 18, keep your login private, and keep your details accurate. We can close accounts for abuse, without a refund.

You must be at least 18 years of age to create an account. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to provide accurate, current, and complete information when creating your account and to update such information to keep it accurate. We reserve the right to suspend or terminate any account at our sole discretion, with or without cause, and with or without notice. Grounds for termination include but are not limited to: providing false information, violating these Terms, abusive use of the Service or its AI features, excessive automated or scripted usage, or any behavior we determine to be harmful to the Service or other users. In the event of termination for cause, no refund will be provided for any unused portion of a subscription period.

5. Acceptable Use and Fair Use Policy

In plain terms — use the AI features like a person doing research, not like a script. Heavy use can be throttled.

CaptureDiv's AI features are provided for interactive use by a person. You agree not to use these features in an automated, scripted, or excessive manner that places unreasonable burden on our systems or infrastructure. What you may do with the output — including in your professional work — is governed by Section 8.

We reserve the right to implement usage limits, throttling, or account suspension for users who exceed reasonable usage thresholds. Current limits include daily AI request caps and per-feature rate limiting, which may be updated at any time.

5a. Usage Limits

In plain terms — the caps for each plan, listed as they are enforced in the product.

CaptureDiv enforces the following usage limits to ensure fair access and service quality for all users:

Free Plan:

Maximum 5 holdings
15 AI calls per day
AI agents are Pro-only except these five, which are included free: Weekly Brief, Auto-Capture™, CaptureGrade™ Brief, AI Coach, Dividend Intelligence Brief

Pro Plan:

Maximum 100 holdings
100 AI calls per day
Every AI agent, including the 8 that are Pro-only: Portfolio Doctor™, News Pulse, Trade Post-Mortem™, Ask CaptureDiv™, Market Researcher, Portfolio Time Machine, Filing Analyzer, Trade Model Builder
Ask CaptureDiv™: one ongoing conversation per account, maximum 20 messages per hour

All Plans: four features carry a per-feature daily cap. Every other AI feature is limited only by the daily AI call allowance above.

Portfolio Doctor: maximum 3 runs per day, 25 holdings analyzed per run
News Pulse: maximum 5 runs per day
Weekly Brief (manual re-runs): maximum 2 runs per day
Smart Alerts (manual re-runs): maximum 3 runs per day

These limits exist to maintain service quality and control AI infrastructure costs. Limits reset daily at midnight Eastern Time. AuraCenzo Holdings LLC reserves the right to modify these limits at any time with reasonable notice.

5b. Prohibited Conduct

In plain terms — do not train models on our output, resell it, benchmark it commercially, or work around the limits.

Some of these restrictions are ours. Others are passed through from our market-data provider, whose licence terms bar us from sub-licensing, white-labelling, or permitting redistribution of the underlying data. Where a clause is marked (data licence), we do not have discretion to waive it.

You agree not to:

Use automated scripts, bots, or other automated means to access CaptureDiv™, beyond the personal use described in Section 5(c)
Deliberately attempt to exceed usage limits or circumvent rate limiting
Circumvent, disable, or work around paywalls, entitlement checks, or feature gating in order to use features your plan does not include — separate from the usage-limit clause above, which concerns volume
Create multiple accounts to bypass usage limits
Use the service in any way that places unreasonable load on our infrastructure
Attempt to reverse engineer, scrape, or extract data from the service in bulk (data licence)
Share account credentials with other users
Redistribute, republish, resell, or otherwise make available CaptureDiv™ output or the underlying market data to anyone who is not a subscriber (data licence)
Present the service or its output as your own, embed it in another product, or white-label it (data licence)
Use CaptureDiv™ output — CaptureGrade™ grades, CaptureScore™ values, percentiles, factor breakdowns, AI-generated briefs and analysis — to train, fine-tune, evaluate, or benchmark a machine learning model, or to build a derived dataset for that purpose
Present a CaptureGrade™, a CaptureScore™, a percentile, or any other CaptureDiv™ output as investment advice, as a recommendation to buy or sell, or as endorsed by AuraCenzo Holdings LLC — particularly to a third party. If you republish our output alongside your own advice, you must make clear that the advice is yours and not ours
Use the service, or its output, to build or improve a product or service that competes with CaptureDiv™
Operate an automated or algorithmic trading system that places or sizes orders on the basis of CaptureDiv™ output. Neither CaptureGrade™ nor CaptureScore™ is a trading signal. CaptureGrade is a research signal computed from filed financial data; CaptureScore is a capture-timing indicator derived from dividend calendars and historical price behaviour. Neither is real-time, and neither is designed, tested, or supported for automated execution. If you build one anyway, you do so entirely at your own risk

Violation of these prohibitions may result in immediate account suspension without refund.

Security research

If you believe you have found a security vulnerability, email info@capturediv.com. We will respond within 90 days.

We will not pursue legal action against anyone who reports in good faith, does not access or modify other users' data, and gives us 90 days to respond before disclosing publicly. Good-faith security research conducted under this section is not a violation of the Prohibited Conduct provisions above.

5c. Use of CaptureDiv™ Output and Market Data

In plain terms — our numbers are for your decisions; market data belongs to the providers we license it from.

Section 8 states the redistribution rule and controls; this section applies it to CaptureDiv™ output and to licensed market data, and does not vary it. The restrictions above concern how you access CaptureDiv. This section concerns what you may do with what you legitimately obtained. It separates three things.

Personal use is fine. You may export, download, copy, or screenshot your own holdings, watchlists, trades, and the analysis we produce for them; keep that data in your own spreadsheet, notes, or personal tooling; use it to make your own investment decisions; and share a screenshot or an individual grade with your accountant, adviser, or family. Cancel at any time and take your own data with you. None of that requires our permission.

Redistribution of our output is not. You may not republish, sell, license, syndicate, publish, broadcast, or incorporate into another product, service, newsletter, publication, dataset, or website any CaptureDiv™ output — CaptureGrade™ letters, CaptureScore™ values, percentile rankings, factor breakdowns, cut-risk assessments, and AI-generated briefs and analysis — whether or not you charge for it, and whether the recipient pays or not. A free newsletter, a public forum post listing grades, and a paid data feed are treated the same way. Bulk or systematic redistribution to non-subscribers is prohibited regardless of the channel. Quoting a single grade in ordinary commentary, with attribution to CaptureDiv™ and without presenting it as advice or as our endorsement, is not what this clause is aimed at; if you are unsure where the line falls, ask us.

Market data carries our provider’s terms as well as ours. Prices, dividend history, corporate actions and company fundamentals shown in CaptureDiv™ are licensed to us by FinancialData.net (Afinec, SP). Our licence is non-transferable and does not permit us to sub-license, white-label, or pass redistribution rights to you. Your subscription gives you the right to view and personally use that data inside CaptureDiv™ — it gives you no right to redistribute it in any form, and no rights in the data itself. Restrictions imposed by our data provider apply to you as a condition of using CaptureDiv and may change if their terms change.

If you want to use CaptureDiv™ output beyond personal use — in a publication, a client-facing report, or a product — write to info@capturediv.com. Some of it we can license; some of it is not ours to grant.

5d. Account Suspension and Termination

In plain terms — either of us can end the account. Your own portfolio data is not deleted just because the account ends.

AuraCenzo Holdings LLC reserves the right to suspend or terminate any account at its sole discretion, including but not limited to accounts that:

Violate these Terms of Service
Engage in prohibited conduct as described above
Attempt to abuse or circumvent usage limits
Place excessive load on our systems
Engage in fraudulent activity

Suspended accounts will receive notice at the email address on file. Users may appeal suspensions by contacting info@capturediv.com.

Upon termination, access to the service will be immediately revoked. Consistent with Section 6, no refunds are provided for the unused portion of a subscription period, including where we terminate an account for cause. The one exception is termination by us for convenience — that is, where you have not violated these Terms — in which case Pro subscribers receive a prorated refund for the unused days of the current billing period. Nothing here limits any refund right you have under applicable law.

5e. AI-Generated Content

In plain terms — AI text can be wrong. Check anything you act on.

CaptureDiv uses artificial intelligence to generate portfolio analysis, trade recommendations, market summaries, and other content. You acknowledge that:

AI-generated content may contain errors or inaccuracies
AI analysis is for educational and informational purposes only
Past paper trading performance does not guarantee future results
CaptureDiv is not a registered investment advisor and does not provide financial advice
All investment decisions are solely your responsibility

AI features are subject to usage limits and may be temporarily unavailable during high demand periods.

6. Subscription and Payment

In plain terms — how billing, trials, renewals and refunds work.

Certain features of the Service require a paid subscription. All fees are stated in U.S. dollars and are billed in advance on a monthly or annual basis, as selected at signup. Subscriptions automatically renew unless canceled before the renewal date. You may cancel at any time through your account settings; cancellation takes effect at the end of the current billing period and no refunds are provided for unused portions of a subscription period. We reserve the right to modify pricing upon 30 days written notice to your registered email address. Continued use of the Service after a price change constitutes acceptance of the new pricing.

7. Data and Third-Party Providers

In plain terms — much of the data comes from outside vendors and can be late or wrong.

CaptureDiv sources market data, dividend information, financial statements, and related content from third-party data providers. We do not guarantee the accuracy, completeness, or timeliness of any data displayed on the platform. We reserve the right to change data providers at any time. You acknowledge that data may be delayed, incomplete, or contain errors, and you assume all risk associated with your use of and reliance on such data.

8. Acceptable Use of Data

In plain terms — you may use our output in your own work, including paid professional work. You may not hand it on to other people as a product. This section controls redistribution.

The data, scores, grades, analysis, and content available on CaptureDiv is licensed for your own use — your research, your decisions, and the research you do in your work, including as a financial professional advising clients. "Your own use" is about who is doing the research, not whether you are paid for it. What it does not cover is passing our output on: giving it to your clients as a report, feed, or product, or otherwise redistributing it. That needs a licence — write to info@capturediv.com. You may not:

Scrape, crawl, or systematically download data from CaptureDiv
Export, resell, sublicense, or redistribute CaptureDiv data or content to any third party for commercial purposes
Use CaptureDiv data to build, train, or enhance any competing product or service
Share your account credentials to circumvent subscription limits

Violation of these terms may result in immediate account termination without refund.

8a. Prohibited Uses — Data and Content

In plain terms — the specific things that need our written permission first.

You may not, without the express written consent of AuraCenzo Holdings LLC d/b/a CaptureDiv:

Scrape, crawl, or harvest any data, content, or information from CaptureDiv by automated means, including but not limited to stock prices, dividend history, dividend calendar data, financial ratios, AI-generated analysis, CaptureGrade™ letters, CaptureScore™ values, or any other content displayed on the platform, regardless of whether such content is publicly visible or requires authentication;
Access the platform via automated scripts, bots, or non-human means, including automated API calls to any CaptureDiv endpoint, except as explicitly permitted by CaptureDiv in writing;
Copy, reproduce, redistribute, resell, or commercialize any data, analysis, scores, grades, or content obtained from CaptureDiv, including dividend history, price data, financial metrics, AI-generated insights, or any derivative thereof, to any other person or into any product, report, or service — your own research, whether personal or professional, is not what this bars;
Reverse engineer or extract the underlying data structures, calculation methodologies, AI prompts, scoring algorithms, or data feeds powering CaptureDiv's features, including CaptureScore™, CaptureGrade™, Auto-Capture™, or Ask CaptureDiv™; or
Circumvent any technical measures implemented to protect or limit access to data, including rate limits, authentication requirements, or access controls.

Violation of these prohibitions may result in immediate termination of your account and may subject you to legal liability. CaptureDiv reserves the right to seek injunctive relief and damages for unauthorized data extraction or commercial misuse.

8b. Data Ownership and Licensing

In plain terms — we own our analysis; you own what you put in.

All data, content, analysis, scores, and information displayed on CaptureDiv ("Platform Content") is the property of AuraCenzo Holdings LLC d/b/a CaptureDiv and/or its third-party data providers, including Financial Data (financialdata.net). Platform Content is licensed to you for your own investment research during the term of your subscription — including research you carry out professionally — and not for redistribution to anyone else.

Market data, stock prices, dividend history, financial ratios, and related information are sourced from Financial Data (financialdata.net) and are subject to their terms of service in addition to these Terms. Such data may not be redistributed, resold, or used in any commercial product or service without explicit written authorization from both AuraCenzo Holdings LLC and the applicable data provider.

AI-generated analysis, CaptureGrade™ letters, CaptureScore™ values, and other proprietary content generated by CaptureDiv's systems are the exclusive intellectual property of AuraCenzo Holdings LLC. You may not reproduce, distribute, or create derivative works based on such content without prior written permission.

Your own records are yours, and stay yours. Your holdings, cost basis, transaction and trade history, watchlists, notes, tags, and anything you export or screenshot of them are your data, not Platform Content. Cancelling does not end your right to keep or use them, and nothing in these Terms requires you to delete a spreadsheet, a copy, or a record of your own portfolio. What ends at cancellation is your licence to our analysis over that data — CaptureGrade™ letters, CaptureScore™ values, percentile rankings, factor breakdowns, cut-risk assessments, AI-generated briefs — and your right to the market data licensed to us by our provider. You may keep personal copies of that analysis for your own reference; the redistribution bar above continues to apply to it after cancellation, because it is the part that was never yours to pass on.

Your licence to access Platform Content terminates immediately upon cancellation or termination of your subscription, and your access to the service ends with it.

9. Simulated Trading Features

In plain terms — paper trading is a simulation. No real money, no real orders.

Certain features within CaptureDiv, including Auto-Capture™, provide simulated or hypothetical trading scenarios for educational and analytical purposes only. These features do not constitute investment advice, do not execute real trades, and do not interact with any brokerage or financial account. Simulated results do not represent actual trading and may not reflect real market conditions.

10. Beta Program Terms

In plain terms — beta features can break, change, or disappear.

If you are accessing CaptureDiv under a beta invite code, you acknowledge that:

The platform is in an early stage of development and may contain bugs, incomplete features, or inaccurate data;
Features, pricing, and functionality may change at any time without notice;
Your beta access may be revoked at any time at our sole discretion;
Beta access does not guarantee continued free or discounted access after the beta period ends.

11. Data Accuracy and Third-Party Data

In plain terms — we do not guarantee the data is complete or current.

Financial data displayed on the Service, including dividend amounts, ex-dividend dates, yields, and company financials, is sourced from third-party data providers including Financial Data (financialdata.net). We make reasonable efforts to ensure accuracy but cannot guarantee that data is complete, accurate, timely, or error-free. Data may be delayed, incomplete, or subject to change without notice. You agree to independently verify all data with your broker or other authoritative source before making any trading or investment decisions. We are not responsible for losses arising from reliance on inaccurate or delayed data. Users acknowledge that market data displayed on CaptureDiv is sourced from Financial Data (financialdata.net) under a commercial license and may not be redistributed to anyone else — republished, resold, syndicated, or built into another product or service — without violating both these Terms and the data provider's terms of service. Your own personal use of that data, including keeping a copy of your own records, is permitted as described in Section 5c.

12. AI-Generated Content

In plain terms — the same warning again, as a term you agree to: AI output is a starting point, not a conclusion.

The Service uses artificial intelligence, including large language models provided by Anthropic, to generate dividend safety analysis,Weekly Briefs, and other content. AI-generated content is experimental in nature, may contain errors, omissions, hallucinations, or outdated information, and should not be relied upon as the sole or primary basis for any investment decision. We do not warrant the accuracy, completeness, or reliability of any AI-generated content.

13. Intellectual Property

In plain terms — the platform, the marks and the engine are ours.

All content, features, functionality, trademarks, service marks, and trade names of the Service, including but not limited to the CaptureScore™ and CaptureGrade™ methodologies, are the exclusive property of AuraCenzo Holdings LLC and are protected by United States and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise exploit any content from the Service without our prior written consent.

14. Prohibited Uses

In plain terms — the short list of things you must not do with the Service itself.

You agree not to: (a) use the Service for any unlawful purpose or in violation of any applicable law or regulation; (b) attempt to gain unauthorized access to any portion of the Service or its related systems; (c) transmit any malicious code, viruses, or harmful data; (d) scrape, crawl, or systematically extract data from the Service; (e) impersonate any person or entity; or (f) interfere with the proper operation of the Service. Redistribution of Service output is governed by Section 8, which controls.

15. Disclaimer of Warranties

In plain terms — the Service is provided as is, with no guarantees.

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, AURACENZO HOLDINGS LLC EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

16. Limitation of Liability

In plain terms — there is a cap on what we can owe you if something goes wrong.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, AURACENZO HOLDINGS LLC, ITS MEMBERS, MANAGERS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, OR INVESTMENT LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL OUR TOTAL AGGREGATE LIABILITY EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE MONTHS PRECEDING THE CLAIM OR (B) ONE HUNDRED DOLLARS ($100.00).

17. Indemnification

In plain terms — if your use of the Service causes a claim against us, you cover it.

You agree to defend, indemnify, and hold harmless AuraCenzo Holdings LLC and its members, managers, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with: (a) your access to or use of the Service; (b) your violation of these Terms; (c) your violation of any third-party right; or (d) any investment or trading decisions you make based on content from the Service.

18. Governing Law and Venue

In plain terms — Florida law, Florida courts.

Subject to the arbitration provision in §19, these Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any legal action or proceeding arising under or relating to these Terms or your use of the Service shall be brought exclusively in the state or federal courts located in Miami-Dade County, Florida, and you hereby consent to personal jurisdiction and venue in such courts.

19. Dispute Resolution and Arbitration

In plain terms — disputes go to arbitration individually, not to a class action.

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

Any dispute, claim, or controversy arising out of or relating to these Terms or the Service that cannot be resolved informally shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration shall take place in Miami-Dade County, Florida. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in a court of competent jurisdiction, and either party may apply to any court of competent jurisdiction for the enforcement of an arbitral award.

CLASS ACTION WAIVER: YOU AND AURACENZO HOLDINGS LLC AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

You may opt out of arbitration within 30 days of first accepting these Terms by emailing info@capturediv.com with the subject "Arbitration Opt-Out."

20. Force Majeure

In plain terms — we are not liable for events outside our control.

We shall not be liable for any failure or delay in performance resulting from causes beyond our reasonable control, including but not limited to acts of God, natural disasters, pandemics, war, terrorism, labor disputes, internet outages, or third-party service failures.

21. Severability

In plain terms — if one clause fails, the rest still stands.

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it enforceable.

22. Entire Agreement

In plain terms — these terms replace anything said earlier.

These Terms, together with our Privacy & Cookie Policy and Investment Disclaimer, constitute the entire agreement between you and AuraCenzo Holdings LLC regarding the Service and supersede all prior agreements, understandings, and negotiations.

23. Changes to Terms

In plain terms — we can change these terms; continued use is acceptance.

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting a notice on the Service or by email to your registered address. Your continued use of the Service after such notice constitutes acceptance of the updated Terms.

24. Contact Information

In plain terms — how to reach us.

AuraCenzo Holdings LLC d/b/a CaptureDiv
Email: info@capturediv.com
State of Organization: Florida