Disclaimer

General Disclaimer

The information provided on SCHD Tools (referred to as "we," "us," or "our") is for general informational purposes only. All information on this website is provided in good faith, however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the website.

By using SCHD Tools, you acknowledge that you have read and understood this disclaimer and agree to be bound by its terms.

Financial Information Disclaimer

The financial information on SCHD Tools is provided for educational and informational purposes only and should not be construed as financial advice. The financial information we provide is based on our own research and experience, but it may not be accurate, complete, or up-to-date, and it may not reflect the most recent market conditions.

The Schwab U.S. Dividend Equity ETF (SCHD) information presented on this website comes from sources believed to be reliable, but we do not guarantee its accuracy or completeness. SCHD Tools is not affiliated with, endorsed by, or sponsored by Charles Schwab & Co., Inc. or any of its affiliates.

All SCHD metrics, dividend yields, performance data, and other information are subject to change without notice. Users should verify all information independently before making any investment decisions.

Investment Risk Disclaimer

All investments involve risk, including the possible loss of principal. The value of investments may fluctuate and investors may lose some or all of their investment. Past performance does not guarantee future results. The investment return and principal value of an investment will fluctuate so that an investor's shares, when redeemed, may be worth more or less than their original cost.

ETFs, including SCHD, are subject to market fluctuation and the risks of their underlying investments. ETFs are subject to management fees and other expenses. Unlike mutual funds, ETF shares are bought and sold at market price, which may be higher or lower than their NAV, and are not individually redeemed from the fund.

Before investing in any financial product, including the SCHD ETF, investors should consider their investment objectives, risks, charges, and expenses of the investment company carefully before investing. The prospectus contains this and other important information. You should read the prospectus carefully before investing.

Calculator Limitations

The calculators and tools provided on SCHD Tools are designed to be used for informational and educational purposes only. These calculators may not account for all relevant factors in an investment decision and are not intended to be used as the sole basis for any financial decision.

The calculators use assumptions that may not be reflective of actual market conditions, including but not limited to:

• Constant dividend growth rates
• Stable market returns
• Uniform inflation rates
• Continuous investment periods without withdrawals
• Tax consequences that may vary based on individual circumstances

Results from our calculators are estimates only and are not guarantees of future returns. Actual results may vary significantly from the results shown based on market conditions, changes in dividend policy, individual investment timing, tax situations, fees, and other factors.

Users should consider these limitations when using our calculators and tools and should not rely solely on the calculations provided when making investment decisions.

No Financial Advice

SCHD Tools is not a registered investment advisor, broker/dealer, or financial planner. The information provided on this website is not intended as investment, tax, accounting, or legal advice. We do not provide personalized advice or recommendations for any specific individual or entity.

You should consult with a qualified financial advisor, accountant, or legal professional before making any financial decisions. Your personal financial situation is unique, and any information and advice on this website may not be appropriate for your situation.

We do not endorse any specific investments, investment strategies, or courses of action.

Accuracy of Information

While we strive to keep the information on SCHD Tools up to date and accurate, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the website or the information contained on the website for any purpose.

The information may contain technical inaccuracies or typographical errors. We may make changes to the information on this website or to the products described therein, at any time without notice.

We may update the content on this website from time to time, but its content is not necessarily complete or up-to-date. Any of the material on the website may be out of date at any given time, and we are under no obligation to update such material.

Third-Party Links

SCHD Tools may contain links to third-party websites that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites.

By using SCHD Tools, you expressly relieve us from any and all liability arising from your use of any third-party website linked from our website.

Limitation of Liability

In no event shall SCHD Tools, its operators, owners, or contributors be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on SCHD Tools, even if we or an authorized representative has been notified orally or in writing of the possibility of such damage.

Some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, so these limitations may not apply to you.

Changes to Disclaimer

We reserve the right to modify or replace this disclaimer at any time. It is your responsibility to check this disclaimer periodically for changes. Your continued use of the website following the posting of any changes to this disclaimer constitutes acceptance of those changes.

If we make material changes to this disclaimer, we will notify you by posting a notice on our website.

Contact Information

If you have any questions about this disclaimer, please contact us at:

Email: contact@schdtools.com