Privacy Policy

01Who we are

The Service is operated by Beat Lynch, Inc., a Delaware corporation doing business as Wealth Compoundry, headquartered in Charlotte, North Carolina ("we," "us," or "our"). We are the controller of personal information processed through the Service. This Policy is currently scoped to users in the United States.

02Information we collect

2.1 Information you provide

• Account data: your name, email address, password (stored only in hashed form, never readable by us in plaintext), and date of birth for age verification.
• Student verification data: if you enroll in the Student tier, information used to confirm student status.
• Payment data: card and billing details are collected and processed directly by our payment processor (Stripe). We do not store full card numbers on our servers; we receive transaction and status information.
• Content you submit: your Declaration of Financial Independence, community posts and comments, survey responses, and messages you send us.
• Communications data: your support messages and your notification and marketing preferences.

2.2 Information collected automatically

• Device and technical data: device type, operating system, browser type and version, and similar attributes.
• Network data: IP address and approximate (coarse) location derived from it, plus login timestamps and session activity.
• Usage data: pages and lessons viewed, features used, and progress through courses.
• Analytics and diagnostic data: how the Service is used and how it performs. Product analytics (Mixpanel) records page views and specific in-product actions, such as starting or submitting a report, and stores a pseudonymous identifier in your browser's local storage. Application monitoring (New Relic) records errors, failed requests and page-load timings, and may set its own cookies and record IP-derived location and device information. We do not enable automatic capture of clicks or form input, and we do not record your screen or session. See the Cookie Policy.
• Messaging engagement: email and SMS delivery, open, and click data through Customer.io.

2.3 Information from third parties

We receive limited information from our service providers, such as payment and subscription status from Stripe, authentication results from Auth0, product-usage data from Mixpanel, and error and performance diagnostics from New Relic. Where the Service displays market, economic, or company data from providers such as Intrinio, TradingView, FRED, and logo.dev, that data relates to securities, markets, and companies, not to you, and is not personal information.

03How we use your information

• To create and maintain your account and deliver the courses, content, and community features you sign up for.
• To process payments, subscriptions, renewals, and free trials through our payment processor.
• To authenticate you and keep the Service secure, including detecting and preventing fraud, abuse, and unauthorized access.
• To send transactional messages (account confirmations, billing notices, and service updates) and, where you have not opted out, product and educational communications. Promotional SMS requires your opt-in.
• To respond to support requests and to operate, analyze, and improve the Service.
• To comply with law and enforce our Terms and Acceptable Use Policy.

04Legal bases

We process personal information to perform our contract with you (operating your account and providing the Service), to meet legal obligations (such as tax and recordkeeping), for our legitimate interests (security, fraud prevention, analytics, and service-related communications, balanced against your rights), and with your consent (for non-essential communications and certain cookies, which you may withdraw at any time).

05How we share information

We do not sell your personal information. We share it only as described below.

5.1 Service providers

We share information with vendors who process it on our behalf under data processing agreements that limit their use to the services they provide to us:

5.2 Legal and regulatory

We may disclose information to government authorities, regulators, or courts where required by law or valid legal process. Where we are legally permitted, we will provide notice so that you may seek to limit or challenge the request.

5.3 Business transfers

In a merger, acquisition, or sale of all or substantially all of our assets, your information may transfer to the successor. Any successor will be bound by this Policy or a policy offering materially the same or greater protections, and if the successor's practices materially differ, we will give you notice before changes take effect.

5.4 Aggregated or de-identified data

We may share aggregated or de-identified statistics that cannot reasonably be used to identify you.

06Data retention

We keep personal information for as long as needed to provide the Service and to meet our legal, tax, and contractual obligations, then delete or irreversibly anonymize it.

07Cookies and tracking

We currently use a minimal set of cookies, primarily those that are strictly necessary for the Service to function, together with limited analytics and communications-measurement technologies. Our product analytics stores its identifier in your browser's local storage rather than in a cookie; our application-monitoring provider does set cookies. You can manage non-essential cookies and clear local storage through your browser settings, and you may ask us to stop associating product analytics with your account by contacting support@wealthcompoundry.com. Disabling analytics cookies may limit our ability to improve the Service but will not affect core functionality. Full details are in our Cookie Policy.

08Data security

We use technical and organizational measures appropriate to the risk, including encryption of personal data in transit and at rest, hashing of passwords, access controls limiting access to personnel with a legitimate need, and audit logging. No security system is impenetrable. In the event of a breach that poses a risk to you, we will notify you and applicable regulators as required by law. To report a security concern, contact support@wealthcompoundry.com.

09Your rights and choices

9.1 Access, correction, and deletion

You may access and update most account information in your settings. You may request a copy of your personal information or request deletion of your account and associated data, subject to our legal retention obligations, by contacting support@wealthcompoundry.com. We may verify your identity before acting on a request.

9.2 Marketing opt-out

You may opt out of promotional emails using the unsubscribe link in any marketing email or your account settings, and opt out of promotional SMS using in-message controls. Opting out does not affect transactional messages needed to operate your account.

9.3 Data portability

You may request a copy of your personal information in a structured, commonly used, machine-readable format.

10California privacy rights (CCPA/CPRA)

If you are a California resident, you have the right to know what personal information we collect and how we use and disclose it, to request access and deletion, to correct inaccurate information, and to limit the use of sensitive personal information, subject to legal exceptions. We do not sell your personal information. We use product analytics (Mixpanel) and application monitoring (New Relic) to understand how the Service is used and to detect faults; we do not use them for advertising, we do not operate advertising trackers on the Service, and we do not disclose personal information for cross-context behavioral advertising. Where required we treat a valid Global Privacy Control (GPC) signal as an opt-out of any such "sharing." We will not discriminate against you for exercising your rights. To make a request, contact support@wealthcompoundry.com with the subject line "California Privacy Request." We will verify your identity and respond within the time required by law. Authorized agents may submit requests with written authorization.

11Children's privacy

The Service is intended for users aged 18 and older. We do not knowingly collect personal information from anyone under 18. If we learn that we have collected information from a person under 18, we will delete it promptly. If you believe a minor has created an account, contact support@wealthcompoundry.com.

12International users and future expansion

The Service is operated from the United States and is currently scoped to U.S. users. As we expand, we will add jurisdiction-specific sections (such as GDPR for the EU and EEA) before accepting users from those regions.

13Changes to this Policy

We may update this Policy from time to time. Material changes will be communicated by email or in-product notice at least fourteen (14) days before the effective date. The effective date at the top reflects the most recent version. Continued use after the effective date constitutes acceptance.

14Contact

For privacy questions or requests, contact us at support@wealthcompoundry.com. Mailing address as posted on the Platform.