Terms of Service

Last updated August 2026

These terms are an agreement between you and [LEGAL ENTITY NAME] ("we", "us"), which operates CleanDilution. By creating an account or using the site you agree to them. If you do not agree, do not use the site.

We have tried to write these in plain language. Where a sentence has to be legal it is still meant to be readable, and nothing here is meant to surprise you.

1. What CleanDilution is

A research and comparison tool for tracking share dilution. It publishes data about funds, sorts them into lists by applying published criteria, and lets you record your own holdings to see what they have paid and what would follow from assumptions you set.

2. What it is not

It is not investment advice. We are not registered as a dealer, adviser or investment fund manager in any province or territory of Canada, or in any other jurisdiction. Nothing on this site is a recommendation to buy, sell or hold any security, and nothing is tailored to your circumstances — we do not know your income, your tax position, your other holdings or your objectives, and no figure here accounts for them.

It is not tax advice, legal advice or accounting advice. A fund appearing on any of our lists means it met, or failed, a stated test. It does not mean we think you should own it or that it is suitable for you.

Your investment decisions are yours. Before acting on anything you read here, verify it against the fund's own documents and your broker's statements, and speak to someone qualified and registered.

The disclaimer forms part of these terms.

3. Who can use it

You must be at least the age of majority where you live, and able to enter a binding contract. The companies covered file with the SEC and are listed on US exchanges, and the subscription is priced in US dollars. Nothing on the site is tailored to the law or tax treatment of any particular country; wherever you use it from, you do so on your own initiative and are responsible for complying with your own local law.

4. Your account

You need an account to record holdings. Give us an email address that reaches you, keep your password to yourself, and tell us promptly at [CONTACT EMAIL] if you think someone else has got into your account. You are responsible for what happens under it.

One account is for one person. Do not share credentials or let anyone else use your account.

5. Your data

The holdings, transactions and figures you enter are yours. We do not claim ownership of them. You grant us only the permission we need to run the service for you — to store your data, process it to produce the figures you asked for, and back it up.

We do not sell your data. We do not share your individual holdings with fund providers or anyone else, except as described in the privacy policy, which sets out what we collect, where it is stored and how to have it deleted.

You can export your transactions at any time, and you should keep your own records. This is a tool for working with your data, not the authoritative record of it — that is your broker's statements and, for tax, what you file.

6. Subscription and billing

There is one plan at $69 USD per month, billed monthly in advance. All prices are in US dollars unless stated otherwise, and are exclusive of any applicable sales tax, which is added at checkout.

The subscription renews automatically each month until you cancel. You can cancel at any time from your account or by emailing [CONTACT EMAIL]. Cancelling stops the next charge; it does not refund the month you are in, and you keep access until the end of the period you have paid for.

We can change the price, and if we do we will tell you at least 30 days before it takes effect on your subscription. If you do not want the new price, cancel before then. Continuing after that is acceptance of it.

If a payment fails we may retry it and may suspend access until it clears. Nothing in this section limits any right you have under consumer protection legislation where you live.

7. Free access

Parts of the site — fund pages, the lists, rankings and everything under Learn — are published without an account and without payment. We may change what is free at any time.

8. What you may not do

Do not:

• scrape, crawl or bulk-download the site, or use automated means to extract data from it;
• resell, redistribute or republish our data, or build a competing dataset out of it;
• share your account, or use one account for several people or for an organisation;
• attempt to break, overload, probe or get around any security or access control;
• reverse engineer or decompile any part of the service, except where law says you may;
• remove or obscure any notice of ownership or source; or
• use the site to break the law, or to publish anything unlawful through it.

We may suspend or close an account that does any of this.

9. Our content, and other people's

The site, its code, design, text and the way we compile and present data are ours or our licensors', and are protected by copyright and other law. You get a personal, non-exclusive, non-transferable right to use the site for your own purposes while your account is in good standing. Nothing more is granted.

Fund names, tickers and trademarks belong to their respective owners and are used only to identify the funds they name. We are not affiliated with, endorsed by or sponsored by any fund provider, issuer or dealer.

Some data comes from third parties, including fund providers and market data feeds, and is subject to their terms. We pass it on as published and cannot warrant it.

10. Availability and changes

We will try to keep the site up, but we do not promise it will be uninterrupted or error-free. We may change, suspend or withdraw features, and we may discontinue the service. If we discontinue a paid service we will give reasonable notice and refund any period you have paid for and not received.

11. No warranty

The site is provided as is and as available. To the maximum extent the law allows, we make no warranty of any kind, express or implied, including as to accuracy, completeness, reliability, availability, or fitness for a particular purpose. Figures may be delayed, incomplete or wrong.

Some warranties cannot be excluded under the consumer protection law of your province. Where that is so, this section does not exclude them, and nothing here takes away a right you have that cannot be waived.

12. Limitation of liability

To the maximum extent the law allows, we are not liable for any indirect, incidental, special or consequential loss, or for lost profits, lost data, trading losses, missed opportunities, or tax consequences, however caused, even if we were told such loss was possible.

Our total liability to you for all claims relating to the service is limited to the greater of the amount you paid us in the twelve months before the claim arose, or fifty US dollars.

This section does not limit liability for anything that cannot be limited by law, including fraud, fraudulent misrepresentation, or death or personal injury caused by negligence — and again, it does not displace non-waivable consumer rights.

13. Indemnity

If a third party brings a claim against us because of how you used the site — including a breach of these terms or of their rights — you will cover our reasonable costs of dealing with it, including legal fees. We will tell you promptly about any such claim and let you take part in the defence.

14. Ending it

You can close your account at any time. We can suspend or close yours if you break these terms, if we are required to, or if we stop offering the service. On closure your right to use the site ends. We will keep or delete your data as the privacy policy describes, and you can ask us to delete it.

Sections 2, 5, 9, 11, 12, 13 and 16 survive the end of this agreement.

15. Changes to these terms

We may update these terms. If a change materially affects you we will give notice — by email or in the app — at least 30 days before it takes effect, and the date at the top will change. Continuing to use the site after that is acceptance. If you do not accept, close your account.

16. Governing law

These terms are governed by the law of [PROVINCE] and the federal laws of Canada that apply there. Disputes go to the courts of [PROVINCE], and you and we both agree to their jurisdiction — except that if the consumer protection law where you live gives you the right to bring a claim locally, or to a tribunal or small claims court, this does not take that away.

17. The rest

These terms, with the disclaimer and the privacy policy, are the whole agreement between us about the service. If any part is found unenforceable, the rest still stands. If we do not enforce something straight away we have not given it up. You may not transfer your rights under these terms; we may transfer ours if the business is sold or reorganised, and we will tell you if that happens.

18. Contact

[LEGAL ENTITY NAME] — [CONTACT EMAIL]