Legal Notice & Privacy Policy

Last updated: 04/11/2025

1. Website editor

Website: DividendSimulator.com

Editor / Data Controller: Business Total

Purpose: Free educational tool for dividend and DRIP (reinvestment) simulation.

Contact: contact@dividendsimulator.com

2. Hosting

The site is hosted by Vercel Inc., 440 N Barranca Ave #4133, Covina, CA 91723, USA.

3. Data collected

No account creation or mandatory form. The calculator works locally from the values you enter.
Necessary cookies (security, language, display preferences) are stored without consent.
Analytics & ads cookies (Google) are used only if you give consent via the cookie banner.
Voluntary contact: if you email us, your message is processed and deleted after a reasonable time.

4. Legal basis & purpose

Service delivery (necessary cookies) – legal basis: legitimate interest.
Analytics – legal basis: consent.
Advertising (AdSense) – legal basis: consent.
User requests (email) – legal basis: legitimate interest.

5. Cookies & Consent (Consent Mode v2)

On your first visit, a banner allows you to accept or refuse analytics and advertising cookies. By default, these cookies are refused. You can change your choice anytime by clicking “Manage cookie preferences” in the footer.

6. Partners

Google AdSense / Google Ads – ad delivery, only after consent.
Google Analytics (or equivalent) – analytics, only after consent.

These services may involve data transfers outside the EU (e.g., to the United States), covered by Google’s standard contractual clauses (SCC).

7. Data retention

Necessary cookies: functional duration only.
Analytics / ads cookies: per Google settings and your consent.
Emails: stored only as long as needed to process your message.

8. Your rights (GDPR)

You can exercise your rights of access, rectification, deletion, objection, limitation, and portability. To do so, contact us at contact@dividendsimulator.com.

9. Security

We take reasonable steps to protect this website (HTTPS, updates, access control), but no system is 100% secure.

10. Liability

The information on DividendSimulator.com is provided for educational purposes only. It is not financial advice. You are solely responsible for your investment decisions.

11. Updates

This policy may be updated at any time. The latest update date is shown above.