Terms of Service - Compoundly
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Terms of Service
Effective Date: January 20, 2026
Last Updated: January 20, 2026
IMPORTANT FINANCIAL DISCLAIMER
THIS PLATFORM DOES NOT PROVIDE FINANCIAL ADVICE. All information, tools, and content are for educational purposes only. You are solely responsible for all financial decisions. YOU MAY LOSE MONEY on any investments or financial decisions. Always consult qualified financial professionals before making financial decisions.
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
CRITICAL DISCLAIMERS
Not Financial Advice
WE ARE NOT FINANCIAL ADVISORS. We do not provide personalized financial advice, investment recommendations, or professional financial services. All content is for educational and informational purposes only.
No Professional Relationship
No advisor-client, fiduciary, or professional relationship is created between you and Compoundly. We are not licensed financial planners, brokers, or tax advisors.
Investment Risk Warning
ALL INVESTMENTS CARRY RISK. YOU MAY LOSE SOME OR ALL OF YOUR MONEY. Past performance does not guarantee future results. Market volatility can result in significant losses.
Decision Responsibility
YOU ARE SOLELY RESPONSIBLE for all financial decisions made based on information from our platform. We strongly recommend consulting qualified financial professionals before making any financial decisions.
No Guarantees
We make no guarantees about financial outcomes, investment performance, or the accuracy of financial projections. Results vary based on individual circumstances.
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 Processing Consent
By uploading financial documents, you consent to:
- AI Analysis: Documents processed by artificial intelligence
- Temporary Storage: Files stored for maximum 15 minutes
- Automatic Deletion: All documents permanently deleted after 15 minutes
- No Retention: We do not permanently store uploaded documents
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
LIABILITY LIMITATIONS
Financial Losses
WE ARE NOT LIABLE FOR FINANCIAL LOSSES resulting from decisions made using our platform, including but not limited to:
- Investment losses or poor investment performance
- Missed financial opportunities
- Tax consequences or penalties
- Credit score impacts
- Debt or bankruptcy issues
Maximum Liability
Our total liability to you for any claims is limited to the amount you paid for our services in the 12 months preceding the claim, not to exceed $100.
Excluded Damages
WE ARE NOT LIABLE FOR:
- Indirect, consequential, or punitive damages
- Lost profits or business opportunities
- Data loss or corruption
- Service interruptions or downtime
- Third-party actions or services
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
- Informal Resolution: Contact us first to resolve disputes amicably
- Mediation: Good faith mediation if informal resolution fails
- Arbitration: Binding arbitration for unresolved disputes
- 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
Final Reminder
THESE TERMS LIMIT OUR LIABILITY AND REQUIRE YOU TO INDEMNIFY US. Please read carefully and consult legal counsel if you have questions about your rights and obligations.