Terms of Use

01Eligibility and Intended Audience

The Services are intended for individuals who are at least 18 years old and who can form legally binding contracts. By using the Services, you represent and warrant that you meet these requirements.

The Services are directed primarily to users located in the United States. We make no representation that the Services are appropriate or available for use in other jurisdictions.

02Changes to These Terms

We may update or modify these Terms at any time in our sole discretion. When we do, we will update the “Last Updated” date at the top of this page. Your continued use of the Website or Services after changes are posted constitutes your acceptance of the updated Terms.

03Description of Services

Compounding Memo provides educational and informational investment-related content, including but not limited to:

• Free articles and commentary
• Paid monthly newsletters, including:
  • Capital Appreciation
  • Cash Flow
  • Capital Preservation
• Portfolio allocation information and model portfolio weight updates
• Downloadable PDF documents

We reserve the right to modify, suspend, discontinue, or restrict any part of the Services at any time without notice.

04No Investment Advice; No Fiduciary Relationship

Compounding Memo is not a registered investment adviser, broker-dealer, or financial planner.

Nothing on the Website or in the Services constitutes:

• Investment advice
• Legal advice
• Tax advice
• Accounting advice
• A recommendation to buy, sell, or hold any security
• An offer or solicitation to purchase or sell securities

All information provided is for educational and informational purposes only.

You acknowledge and agree that:

• Compounding Memo does not provide personalized investment advice.
• Compounding Memo does not know your individual financial situation, goals, or risk tolerance.
• Any decisions you make based on the Services are made at your own discretion and risk.
• You are solely responsible for your own investment decisions.
• No fiduciary relationship exists between you and Compounding Memo.

You should consult with a licensed financial professional before making investment decisions.

05Risk Disclosure

Investing involves risk, including the possible loss of principal. Past performance is not indicative of future results. Any examples, projections, or performance discussions are hypothetical unless expressly stated otherwise.

You agree that Compounding Memo is not responsible for any investment losses or other damages arising from your reliance on information provided through the Services.

06Subscription Services

Certain Services are offered through paid monthly subscriptions (“Subscription Services”). By purchasing a Subscription Service, you agree to the Subscription Terms below.

6.1Billing and Automatic Renewal

All Subscription Services are billed on a monthly recurring basis unless cancelled.

By subscribing, you authorize Compounding Memo to charge your selected payment method on a recurring basis through our payment processor (Stripe) until you cancel.

Your subscription will automatically renew each month unless you cancel before the renewal date.

6.2Cancellation Policy

You may cancel your subscription at any time from your account settings on the Website (log in, open your account, and cancel the subscription), or by emailing us at contact@compoundingmemo.com.

Using the “unsubscribe” link in an email does not cancel a paid subscription — it only stops that email.

Your cancellation will take effect at the end of the current billing cycle. You will retain access to the Subscription Services until the end of the paid period.

6.3No Refund Policy

All subscription payments are final. We do not offer refunds, except as expressly stated in our Refund & Cancellation Policy.

This includes but is not limited to:

• Unused subscription time
• Accidental purchases
• Failure to download content
• Dissatisfaction with the content
• Cancellation after renewal

By subscribing, you acknowledge and agree to this no-refund policy.

6.4Pricing Changes

We may change subscription pricing at any time. If we do, we will provide notice via email to your registered email address at least fifteen (15) days before the updated pricing takes effect. The updated pricing will apply to your next billing cycle following the notice period.

6.5Payment Processing

Payments are processed by third-party providers, including Stripe. We do not store your full payment card details.

You agree to comply with Stripe’s terms and conditions when using Stripe-powered billing features.

6.6Your Account

Access to Subscription Services requires an account on the Website. You are responsible for keeping your login credentials confidential and for all activity that occurs under your account, and you may not share your account with anyone else. If you believe your account has been accessed without authorization, notify us promptly at contact@compoundingmemo.com.

07Content Delivery and Access

Subscription content may be delivered through:

• Subscriber-only pages on the Website, including downloadable files
• Email communications
• Other delivery mechanisms we may implement

You acknowledge and agree that access to subscriber content may require third-party services. Compounding Memo is not responsible for outages, errors, delays, broken links, file availability issues, or service interruptions caused by third parties.

08Prohibited Sharing and Redistribution

All Subscription Services are provided for individual use only.

You agree that you will not:

• Share subscriber-only content with non-subscribers
• Forward, repost, upload, copy, or distribute paid materials
• Publish paid content online or in any public forum
• Resell or sublicense our content
• Provide our newsletters or portfolio weights to any third party

You may download and print materials for your personal, non-commercial use only.

Violation of this section may result in immediate termination of your subscription without refund.

09Intellectual Property

All content provided through the Website and Services, including but not limited to text, newsletters, PDFs, portfolio allocations, branding, logos, graphics, charts, downloadable materials, email content, and website layout and design, is owned by or licensed to Compounding Memo LLC and is protected under United States copyright and intellectual property laws.

Except as expressly permitted in these Terms, you may not reproduce, distribute, modify, create derivative works of, publicly display, or exploit any portion of the Services without our prior written consent.

10Prohibited Conduct

You agree not to:

• Violate any applicable laws or regulations
• Attempt to gain unauthorized access to the Website or systems
• Interfere with or disrupt Website functionality
• Scrape, copy, or harvest data from the Website
• Attempt to reverse engineer any portion of the Website
• Use the Website for fraudulent purposes
• Impersonate any person or entity
• Upload viruses, malware, or harmful code

We reserve the right to restrict or terminate access to any user who violates these Terms.

11AI Training and Data Mining Prohibited

You may not use any content from the Website or Services for the purpose of:

• Training artificial intelligence models
• Machine learning
• Large language model training
• Automated data extraction
• Dataset creation
• Web scraping for commercial or competitive purposes

This includes but is not limited to use by bots, crawlers, scripts, or automated tools.

Unauthorized use of our content for AI training or data mining is strictly prohibited.

12Third-Party Services and Data Sources

The Services may include or rely on third-party services, tools, or platforms, including but not limited to Squarespace, Stripe, Google Sheets, Google Finance, and Seeking Alpha.

You acknowledge and agree that:

• Third-party services may experience outages, delays, errors, or disruptions
• Third-party financial data may be inaccurate, delayed, incomplete, or incorrect
• Calculations, portfolio weights, performance metrics, and total return figures may be affected by third-party data errors

Compounding Memo does not guarantee the accuracy or completeness of third-party data and is not responsible for losses or damages resulting from reliance on such data.

13Third-Party Links

The Website may contain links to third-party websites, including links through which we may earn affiliate or referral compensation if you make a purchase. These links are provided for your convenience and, in some cases, may also financially benefit us.

We do not control third-party websites and are not responsible for their content, policies, services, or availability. Your use of third-party websites is at your own risk.

14Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE WEBSITE AND SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

COMPOUNDING MEMO LLC MAKES NO WARRANTIES OR REPRESENTATIONS OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF ACCURACY, COMPLETENESS, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR THAT THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE.

We do not guarantee that any content is accurate, complete, or up to date.

15Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, COMPOUNDING MEMO LLC AND ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO YOUR USE OF THE WEBSITE OR SERVICES. THIS INCLUDES, WITHOUT LIMITATION:

• INVESTMENT LOSSES
• LOST PROFITS
• LOST DATA
• BUSINESS INTERRUPTION
• MISSED OPPORTUNITIES
• LOSSES ARISING FROM RELIANCE ON ANY CONTENT

IN ALL CASES, OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID TO COMPOUNDING MEMO LLC IN THE TWELVE (12) MONTHS PRIOR TO THE EVENT GIVING RISE TO THE CLAIM.

Some jurisdictions do not allow limitations of liability, so certain limitations may not apply to you.

16Indemnification

You agree to defend, indemnify, and hold harmless Compounding Memo LLC and its owners, officers, employees, contractors, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including attorney fees) arising out of or related to:

• Your use of the Services
• Your violation of these Terms
• Your violation of any law or regulation
• Your infringement of any intellectual property rights

17Suspension and Termination

We may suspend or terminate your access to the Website or Services at any time, with or without notice, if we believe you violated these Terms or engaged in conduct harmful to Compounding Memo or others.

If your subscription is terminated due to a violation of these Terms, no refund will be provided.

18Communications and Email Consent

By using the Services or subscribing, you consent to receive communications from us electronically, including:

• Subscription-related notices
• Delivery of paid content
• Transactional emails
• Updates to the Services
• Marketing communications (where applicable)

You may unsubscribe from marketing emails at any time. Marketing emails are sent in compliance with the CAN-SPAM Act. However, you may not opt out of transactional emails required for subscription delivery and service operation.

19Privacy Policy

Your use of the Website and Services is also governed by our Privacy Policy, available at compoundingmemo.com/privacy-policy.

20Dispute Resolution; Arbitration Agreement; Class Action Waiver

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

20.1Informal Resolution

Before initiating arbitration or legal proceedings, you agree to contact us and attempt to resolve the dispute informally by emailing: contact@compoundingmemo.com

We will attempt to resolve disputes in good faith within thirty (30) days.

20.2Binding Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms or the Services shall be resolved through binding arbitration, rather than in court, except that either party may bring claims in small claims court if eligible.

Arbitration shall be conducted in accordance with the rules of the American Arbitration Association (“AAA”) or another mutually agreed arbitration provider.

The arbitration shall take place in North Carolina, unless otherwise agreed.

20.3Class Action Waiver

YOU AGREE THAT ANY CLAIM MUST BE BROUGHT IN YOUR INDIVIDUAL CAPACITY ONLY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS ACTION, COLLECTIVE ACTION, OR REPRESENTATIVE PROCEEDING. CLASS ACTIONS AND CLASS ARBITRATIONS ARE NOT PERMITTED.

20.4Time Limitation

Any claim arising out of or relating to these Terms must be brought within one (1) year of the event giving rise to the claim, unless prohibited by law.

21Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of North Carolina, without regard to conflict of law principles.

22Waiver

The failure of Compounding Memo to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by Compounding Memo.

23Assignment

You may not assign or transfer these Terms or any rights or obligations hereunder without the prior written consent of Compounding Memo. Compounding Memo may assign or transfer these Terms, in whole or in part, without restriction, including in connection with a merger, acquisition, reorganization, or sale of assets.

24Survival

The following sections shall survive any termination or expiration of these Terms: Section 4 (No Investment Advice), Section 5 (Risk Disclosure), Section 8 (Prohibited Sharing), Section 9 (Intellectual Property), Section 11 (AI Training Prohibited), Section 14 (Disclaimer of Warranties), Section 15 (Limitation of Liability), Section 16 (Indemnification), Section 20 (Dispute Resolution), Section 21 (Governing Law), and this Section 24 (Survival).

25Severability

If any provision of these Terms is found to be unlawful, void, or unenforceable, the remaining provisions will remain in full force and effect.

26Entire Agreement

These Terms constitute the entire agreement between you and Compounding Memo LLC regarding your use of the Website and Services and supersede any prior agreements or communications.

27Contact Information

If you have questions about these Terms of Use, you may contact us at:

Compounding Memo LLC
North Carolina, United States
Email: contact@compoundingmemo.com
Website: https://compoundingmemo.com