Privacy Policy

Last Updated: March 3rd, 2026

Compounding Memo LLC, doing business as The Compounding Memo (“Compounding Memo,” “we,” “us,” or “our”), values your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, and share information when you visit compoundingmemo.com (the “Website”) or subscribe to any Compounding Memo products or services.

By using the Website or subscribing to our services, you agree to the practices described in this Privacy Policy.

1. Scope of This Privacy Policy

This Privacy Policy applies to information collected through:

  • Our Website (compoundingmemo.com)

  • Email subscriptions and newsletters

  • Paid subscription purchases and billing

  • Customer communications

  • Downloadable content access (such as reports, PDFs, and portfolio allocation files)

This Website and our services are intended for users located in the United States.

2. Information We Collect

We may collect the following categories of personal information:

A. Information You Provide to Us

When you subscribe, purchase a subscription, or contact us, you may provide:

  • Name

  • Email address

  • Billing address

  • Payment-related details (processed through Stripe)

  • Subscription status and purchase history

  • Communications you send to us (support emails, inquiries, etc.)

B. Information Collected Automatically

When you visit the Website, certain information may be collected automatically, such as:

  • IP address

  • Browser type and device information

  • Pages visited and time spent on the Website

  • Referral source (how you arrived at the Website)

This information may be collected through cookies or analytics tools.

C. Email Marketing Information

If you subscribe to our newsletters, we may collect information related to email engagement, including:

  • Whether an email was opened

  • Whether a link was clicked

  • Subscription preferences

  • Unsubscribe status

3. Payment Information

We use Stripe as our payment processor. When you make a purchase, your payment information (such as your credit card number) is collected and processed directly by Stripe.

Compounding Memo does not store full credit card numbers.

Stripe’s handling of your data is governed by Stripe’s privacy policy and terms.

4. How We Use Your Information

We may use personal information for the following purposes:

  • To provide paid subscriptions and deliver purchased content

  • To process payments and manage billing

  • To send transactional emails (purchase confirmations, access links, subscription updates)

  • To send newsletters and subscription communications

  • To respond to inquiries and provide customer support

  • To improve our Website and services

  • To detect fraud, unauthorized access, or abuse

  • To comply with legal obligations

5. How We Deliver Subscription Content

Subscribers may receive subscription materials through third-party services, including:

  • MailerLite (newsletter delivery and subscriber list management)

  • SMTP2GO (transactional email delivery, including access links)

  • Dropbox (hosting downloadable PDFs and portfolio allocation files)

When you subscribe, your email address (and other necessary information) may be shared with these service providers strictly for content delivery and subscription management purposes.

6. Sharing of Personal Information

We do not sell your personal information.

We may share personal information only in the following situations:

A. Service Providers

We may share information with trusted third-party service providers who help operate our business, such as:

  • Payment processing (Stripe)

  • Email marketing and newsletter delivery (MailerLite)

  • Transactional email delivery (SMTP2GO)

  • File hosting and content delivery (Dropbox)

  • Website hosting, analytics, or security services

These providers are authorized to use personal information only as necessary to provide services to us.

B. Legal Requirements

We may disclose information if required to do so by law, regulation, subpoena, court order, or other legal process, or if we believe disclosure is necessary to:

  • Comply with legal obligations

  • Protect our rights, property, or safety

  • Prevent fraud or security threats

  • Enforce our Terms of Use

C. Business Transfers

If Compounding Memo LLC is involved in a merger, acquisition, sale of assets, or business restructuring, your information may be transferred as part of that transaction.

7. Cookies and Tracking Technologies

We may use cookies or similar tracking technologies to:

  • Improve Website functionality

  • Understand how visitors use the Website

  • Measure performance and traffic

You can disable cookies through your browser settings. However, disabling cookies may impact certain Website functionality.

8. Do Not Track Signals

Some web browsers transmit “Do Not Track” (DNT) signals to websites. Because there is currently no universally accepted standard for how to respond to DNT signals, our Website does not currently respond to or alter its practices when it receives a DNT signal from a visitor’s browser.

9. Email Communications and Opt-Out

If you subscribe to our newsletters, you may opt out at any time by clicking the “unsubscribe” link included in our emails.

Please note that unsubscribing from marketing emails may prevent you from receiving certain non-promotional communications related to your subscription.

To manage billing or cancel a paid subscription, you may do so through the Stripe customer portal (if available) or by contacting us.

10. Data Retention

We retain personal information only as long as reasonably necessary to:

  • Provide services and fulfill subscriptions

  • Maintain business records

  • Comply with legal and tax obligations

  • Resolve disputes

  • Enforce agreements

We may retain certain information even after cancellation if required for legal, accounting, or compliance purposes.

11. Data Security

We take reasonable administrative, technical, and physical measures to protect personal information.

However, no system can guarantee complete security. You use the Website and services at your own risk.

12. Data Breach Notification

In the event of a data breach that compromises your personal information, we will notify affected individuals in accordance with applicable law. Notification may be provided via email or by posting a notice on our Website.

13. Third-Party Links and Services

Our Website, newsletters, or subscription content may contain links to third-party websites or services.

We are not responsible for the privacy practices of third-party websites. You should review their privacy policies separately.

14. Children’s Privacy

Our Website and services are not intended for children under the age of 18.

We do not knowingly collect personal information from individuals under 18. If we become aware that we have collected personal information from a minor, we will delete it.

15. Your Privacy Rights

Depending on your location and applicable law, you may have rights regarding your personal information, including the right to request:

  • Access to personal information we hold about you

  • Correction of inaccurate information

  • Deletion of your personal information

  • Information about how your data is used

To make a request, contact us at contact@compoundingmemo.com.

We may need to verify your identity before processing your request.

16. California Privacy Rights (CCPA Notice)

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), including:

  • The right to know what personal information is collected

  • The right to request deletion

  • The right to opt out of the sale of personal information

  • The right to non-discrimination for exercising your privacy rights

Compounding Memo does not sell personal information.

We will not discriminate against you for exercising any of your CCPA rights. We will not deny you services, charge you different prices, or provide a different level of quality based on your exercise of privacy rights.

You may submit a privacy request by emailing contact@compoundingmemo.com.

17. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Updates will be posted on this page with a revised “Last Updated” date.

Your continued use of the Website after changes are posted constitutes acceptance of the updated Privacy Policy.

18. Contact Information

If you have questions about this Privacy Policy, you may contact us at:

Compounding Memo LLC

North Carolina, United States

Email: contact@compoundingmemo.com

Website: https://compoundingmemo.com