Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a binding legal agreement between you and Compoundly ("we," "us," "our") governing your use of our financial education platform and services.

Agreement Formation

• By creating an account, you acknowledge reading and agreeing to these Terms
• By using our services, you confirm your acceptance of these Terms
• You must be at least 13 years old (16 in the EU) to use our services
• Users under 18 must have parental or guardian consent

2. Service Description

Free Services

• Financial Assessment Tool: Basic financial scoring and analysis
• Educational Content: Financial literacy resources and information
• Limited Access: One assessment per week, cached results

Premium Services

• Unlimited Assessments: No weekly limits on financial assessments
• AI-Powered Advice: Personalized financial recommendations
• Financial Goals: Goal setting, tracking, and progress monitoring
• Document Analysis: AI analysis of uploaded financial documents
• Advanced Features: Charts, exports, and priority support

3. Financial Disclaimers and Limitations

4. User Responsibilities and Conduct

Account Security

• Maintain confidentiality of login credentials
• Notify us immediately of unauthorized access
• Use strong, unique passwords
• You are responsible for all activity under your account

Information Accuracy

• Provide accurate, current, and complete information
• Update information promptly when it changes
• Understand that inaccurate data leads to inaccurate results

Prohibited Activities

• Using the service for illegal activities
• Attempting to hack, disrupt, or compromise security
• Sharing accounts or selling access to services
• Scraping, copying, or reverse engineering our platform
• Uploading malicious files or content
• Violating intellectual property rights

5. Premium Subscription Terms

Billing and Payment

• Payment Processing: Handled securely through Stripe
• Billing Cycles: Monthly or annual subscriptions
• Auto-Renewal: Subscriptions renew automatically unless cancelled
• Price Changes: 30 days advance notice for price increases

Cancellation and Refunds

• Cancellation: Cancel anytime through your account settings or profile page
• Effective Date: Cancellation takes effect at the end of your current billing period (30 days from subscription date)
• Continued Access: You retain full premium access until the end of your paid billing period
• Refunds: Generally no refunds for unused portions of subscription periods
• Exceptions: Refunds may be provided for technical issues or billing errors at our discretion

6. Document Upload Terms (Premium)

Document Guidelines

• Accepted Formats: PDF, Excel, CSV, PNG, JPEG
• Size Limit: Maximum 10MB per file
• Content: Only upload documents you have legal right to share
• Sensitive Information: Remove or redact unnecessary sensitive data

7. Intellectual Property Rights

Our Property

• Platform design, code, and functionality
• Compoundly trademarks and branding
• Educational content and algorithms
• Financial scoring methodologies

Your Content

• You retain ownership of data you provide
• You grant us license to use data for service provision
• Uploaded documents are not permanently stored
• You represent you have rights to share uploaded content

DMCA Compliance

We respond to valid DMCA takedown notices. Send copyright infringement reports to: legal@compoundly.com

8. Limitation of Liability

9. Disclaimers of Warranties

SERVICES PROVIDED "AS IS": We provide our services without warranties of any kind, either express or implied, including:

• Accuracy, reliability, or completeness of information
• Uninterrupted or error-free operation
• Fitness for particular purpose
• Non-infringement of third-party rights
• Security or privacy protection

10. Indemnification

You agree to indemnify and hold harmless Compoundly, its officers, directors, employees, and agents from any claims, damages, or expenses arising from:

• Your use of our services
• Violation of these Terms
• Financial decisions made using our platform
• Your uploaded content or data
• Infringement of third-party rights

11. Termination

By You

• Delete your account anytime through settings
• Cancel premium subscription without penalty
• Data deletion follows our Privacy Policy

By Us

• Terminate accounts for Terms violations
• Suspend service for security reasons
• Discontinue service with reasonable notice

Effect of Termination

• Immediate loss of access to services
• Premium benefits cease at termination
• Data handling per Privacy Policy
• Survival of limitation and indemnification clauses

12. Privacy and Data Protection

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your information. Key points:

• Document Deletion: All uploaded documents deleted after 15 minutes
• Data Rights: Access, correct, or delete your personal information
• Security: Industry-standard encryption and security measures
• Compliance: GDPR, CCPA, and other privacy law compliance

13. Force Majeure

We are not liable for delays or failures due to circumstances beyond our reasonable control, including:

• Natural disasters or acts of God
• Government actions or regulations
• Internet or telecommunications failures
• Third-party service outages
• Cyber attacks or security incidents

14. Governing Law and Disputes

Governing Law

These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict of law principles.

Dispute Resolution

1. Informal Resolution: Contact us first to resolve disputes amicably
2. Mediation: Good faith mediation if informal resolution fails
3. Arbitration: Binding arbitration for unresolved disputes
4. Class Action Waiver: Individual disputes only, no class actions

Jurisdiction

Any legal proceedings must be brought in state or federal courts in Delaware, United States.

15. Modifications to Terms

Amendment Process

• Notice: 30 days advance notice of material changes
• Communication: Email and platform notifications
• Acceptance: Continued use constitutes acceptance
• Objection: Discontinue use if you disagree with changes

16. Severability and Interpretation

• Severability: Invalid provisions don't affect remaining terms
• Entire Agreement: These Terms constitute the complete agreement
• No Waiver: Failure to enforce doesn't waive our rights
• Headings: Section headings for convenience only

17. Contact Information

18. Additional Disclosures

Regulatory Compliance

• We are not regulated as a financial institution
• We do not provide investment advisory services
• We are not registered with SEC, FINRA, or similar bodies
• Always verify regulatory status of financial advisors

Third-Party Services

• Stripe: Payment processing (separate terms apply)
• OpenAI: AI analysis for premium users
• Analytics: Anonymous usage tracking