Terms of Use
Last Updated: March 3rd, 2026
Welcome to Compounding Memo LLC, doing business as The Compounding Memo (“Compounding Memo,” “we,” “us,” or “our”). These Terms of Use (“Terms”) govern your access to and use of our website located at compoundingmemo.com (the “Website”), along with any content, products, newsletters, subscriptions, emails, downloadable materials, and related services we provide (collectively, the “Services”).
By accessing or using the Website or Services, you agree to be bound by these Terms. If you do not agree to these Terms, do not access or use the Website or Services.
1. Eligibility 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.
2. Changes 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.
3. Description 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
Subscriber access to file-sharing links hosted through third-party services (including Dropbox)
We reserve the right to modify, suspend, discontinue, or restrict any part of the Services at any time without notice.
4. No 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.
5. Risk 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.
6. Subscription Services
Certain Services are offered through paid monthly subscriptions (“Subscription Services”). By purchasing a Subscription Service, you agree to the Subscription Terms below.
6.1 Billing 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.
6.2 Cancellation Policy
You may cancel your subscription at any time through the Stripe customer portal or other cancellation method we provide.
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.
6.3 No Refund Policy
All subscription payments are final. We do not offer refunds.
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.
6.4 Pricing 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.
6.5 Payment 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.
7. Content Delivery and Access
Subscription content may be delivered through:
Email communications (including MailerLite and transactional emails)
File-sharing links (including Dropbox)
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.
8. Prohibited 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.
9. Intellectual 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.
10. Prohibited 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.
11. AI 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.
12. Third-Party Services and Data Sources
The Services may include or rely on third-party services, tools, or platforms, including but not limited to Stripe, Dropbox, SMTP2GO, MailerLite, Google Sheets, and Google Finance.
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.
13. Third-Party Links
The Website may contain links to third-party websites. These links are provided for convenience only.
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.
14. Disclaimer 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.
15. Limitation 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.
16. Indemnification
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
17. Suspension 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.
18. Communications 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.
19. Privacy Policy
Your use of the Website and Services is also governed by our Privacy Policy, available at compoundingmemo.com/privacy-policy.
20. Dispute Resolution; Arbitration Agreement; Class Action Waiver
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.
20.1 Informal 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.
20.2 Binding 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.
20.3 Class 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.
20.4 Time 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.
21. Governing 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.
22. Waiver
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.
23. Assignment
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.
24. Survival
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).
25. Severability
If any provision of these Terms is found to be unlawful, void, or unenforceable, the remaining provisions will remain in full force and effect.
26. Entire 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.
27. Contact 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