Terms of Service

01Acceptance and binding agreement

1.1 Formation of agreement

By creating an account, purchasing a membership, accessing any content or feature, or otherwise using Wealth Compoundry (the "Service" or the "Platform"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service, together with the Privacy Policy, Cookie Policy, and Acceptable Use Policy, each incorporated by reference (collectively, the "Terms"). If you do not agree, you must not create an account or use the Service.

1.2 Who these Terms apply to

These Terms apply to everyone who interacts with the Service in any capacity, including visitors who browse the website, registered members, and anyone who accesses content delivered through the Platform.

1.3 Age requirement

You must be at least eighteen (18) years of age, or the age of majority in your jurisdiction of residence if higher, to create an account or use the Service. The Service is not directed to, and we do not knowingly enroll, anyone under 18. We collect date of birth at registration to enforce this requirement.

1.4 Updates to these Terms

We may update these Terms from time to time to reflect changes in the Service, applicable law, or our operating practices. Material changes, as determined in our reasonable discretion, will be communicated by email or in-product notice at least fourteen (14) days before the effective date, unless a shorter period is required by law or is reasonably necessary to address a security, legal, or operational need. If you do not accept the updated Terms, your sole remedy is to stop using the Service and cancel your account before the effective date. Continued use after the effective date constitutes acceptance.

02Definitions

"Company," "we," "us," or "our" means Beat Lynch, Inc., a Delaware corporation doing business as Wealth Compoundry, headquartered in Charlotte, North Carolina.

"Service" or "Platform" means the Wealth Compoundry website, member portal, online courses and educational content (including the Wealth Foundations curriculum), the Declaration of Financial Independence feature, member community features, and related services we make available under the Wealth Compoundry brand.

"Member" means a registered user with an active or past Wealth Compoundry account.

"Membership" or "Subscription" means a paid or free plan that grants access to the Service at a given level, as described in Section 5 and in the pricing section on our home page.

"Founding 1,776 Offer" means the limited founding-member offer described in Section 5.2.

"Content" means all material made available through the Service, including text, video, lessons, frameworks, tools, scoring concepts, graphics, and software.

03About Wealth Compoundry

Wealth Compoundry is a brand operated by Beat Lynch, Inc. It is a financial education and membership service. It is not a broker-dealer, investment adviser, financial planner, bank, or money transmitter, and it does not execute trades, hold member funds for investment, or manage money on your behalf. Other products that may be offered by the Company or its affiliates, such as separate analytics or competition products, are governed by their own terms and are outside the scope of these Terms.

04Your account

4.1 Registration and accurate information

You agree to provide accurate, current, and complete information when you register and to keep it up to date. We may rely on the information you provide without independent verification.

4.2 One account; no sharing

You may maintain only one account. Your account is personal to you. You may not share your credentials, allow another person to use your account, or use anyone else's account. You may not transfer, sell, or assign your account. We may suspend or terminate duplicate or shared accounts.

4.3 Account security

You are responsible for maintaining the confidentiality of your credentials and for all activity under your account. Notify us promptly at support@wealthcompoundry.com if you believe your account has been compromised. Authentication is provided through a third-party identity provider (Auth0); your use of that sign-in is also subject to its provider's terms.

4.4 Suspension and termination

We may suspend, restrict, or terminate your account or access to any feature at any time, with or without notice, if we reasonably believe you have violated these Terms or the Acceptable Use Policy, if your account poses a risk to the Service or other members, or as needed to comply with law. Where permitted, we may provide a general description of the reason on written request.

05Membership plans, billing, and the Founding 1,776 offer

5.1 Plans

Wealth Compoundry offers a free plan and paid plans, currently a Free tier, a Student tier (discounted access for verified students), and a Standard tier. The features included in each plan, and current prices, are described in the pricing section on our home page and may change from time to time. The Standard plan is offered at a reference price of $49 per month. We will give active paid members at least thirty (30) days' notice before any price increase takes effect on their plan.

5.2 The Founding 1,776 offer

The Founding 1,776 Offer is a one-time payment of $49 that provides access to Wealth Compoundry Standard membership (regularly $49 per month) through December 31, 2026. It is not a lifetime membership. The offer is limited to the first one thousand seven hundred seventy-six (1,776) members who accept it during the founding enrollment window, after which it is no longer available. The $49 founding payment is a single charge and is not billed monthly during the founding period. Beginning January 1, 2027, unless you cancel before that date, your membership will convert to an auto-renewing Standard subscription at the then-current Standard rate, billed on a recurring basis until you cancel. We will notify you before the first recurring charge. The founding payment is non-refundable except as stated in Section 5.6.

5.3 Free trials

Where we offer a free trial, the trial length is shown to you at sign-up. Unless you cancel before the trial ends, the trial automatically converts to a paid, auto-renewing subscription at the applicable rate, and your payment method on file will be charged. You may cancel at any time before the trial ends through your account settings or by contacting support@wealthcompoundry.com.

5.4 Billing and payment

Payments are processed by our third-party payment processor (Stripe). Accepted payment methods are those displayed at checkout. All charges are in U.S. dollars. You authorize us and our processor to charge your payment method for your plan, including on each renewal, and for applicable taxes. You are responsible for keeping a valid payment method on file. If a charge fails, a short grace period may apply, after which access to paid features may be suspended until payment is resolved. You are responsible for any sales, use, or similar taxes associated with your purchase, except for taxes based on our net income.

5.5 Cancellation

You may cancel a paid plan at any time through your account settings or by contacting support@wealthcompoundry.com. Cancellation stops future renewals. It takes effect at the end of the current paid period, and you keep access through that date. Cancellation does not entitle you to a refund for the current period.

5.6 Refunds

We do not offer a money-back guarantee. We offer free trials so that you can evaluate the Service before you are charged. Paid subscriptions are non-refundable, including for partial billing periods, and the Founding 1,776 one-time payment is non-refundable. We may, in our sole discretion, issue a refund in the case of a documented technical failure that prevented you from accessing paid features for a material portion of a billing period. Our decision on any discretionary refund is final.

5.7 Chargebacks

If a chargeback or payment reversal is initiated on your account, we may immediately suspend access to paid features until the dispute is resolved. You acknowledge that membership fees are for access to educational content and features as described in these Terms, and that initiating a chargeback contrary to these Terms may result in suspension or termination of your account and recovery of associated fees and costs. If you believe you were charged in error, contact support@wealthcompoundry.com before initiating a chargeback so we can help resolve it.

06License and permitted use

6.1 Limited license

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial learning. This license does not include any right to: (a) copy, distribute, publish, publicly display, sell, or create derivative works from any Content; (b) reverse engineer, decompile, or attempt to derive the source code or underlying methods of the Service; (c) scrape, harvest, or systematically extract data or Content; or (d) use the Service or any Content for competitive benchmarking, resale, or any other commercial purpose without our prior written consent.

6.2 No data mining or model extraction

Without limiting Section 6.1, you shall not use any automated or manual technique to extract, reconstruct, or infer model weights, parameters, training data, or proprietary scoring or methodology coefficients, nor use Service outputs to build a substantially similar service that competes with the Platform.

6.3 Acceptable use

Your use of the Service is governed by the Acceptable Use Policy, which is incorporated into these Terms.

07Intellectual property

7.1 Our ownership

All Content, branding, code, software, frameworks, methodologies, curriculum, text, graphics, logos, trademarks, and trade dress on or underlying the Service are owned by the Company or its licensors. The Wealth Compoundry name and related marks are trademarks of Beat Lynch, Inc. All rights not expressly granted to you are reserved.

7.2 Member-submitted content

You may have the ability to submit content, such as your Declaration of Financial Independence, community posts, comments, or feedback. You retain ownership of content you submit. By submitting it, you grant the Company a worldwide, non-exclusive, royalty-free, sublicensable license to host, store, reproduce, display, and use that content to operate, provide, and improve the Service, and you represent that you have the rights necessary to grant that license. You are responsible for content you submit, and it must comply with the Acceptable Use Policy.

08Educational content; not investment advice

8.1 Educational and informational only

Wealth Compoundry is a financial education service. All Content, including lessons, frameworks, scores, tools, examples, and any AI-generated output, is provided for educational and informational purposes only. Nothing on the Service constitutes investment advice, a recommendation to buy or sell any security, a solicitation, or a personalized financial, legal, tax, or accounting recommendation.

8.2 No advisory relationship

We are not your broker, investment adviser, or fiduciary, and no such relationship is created by your use of the Service. Any decision you make is your own responsibility. You should consult a licensed professional regarding your particular circumstances before making any financial decision.

8.3 AI-generated outputs

Where the Service includes AI-assisted features, those outputs are generated from your inputs and from third-party data and may contain errors, omissions, or outdated information. You must not rely on any AI-generated output as a substitute for professional advice or independent judgment.

8.4 No guarantee of results

We make no representation or warranty that use of the Service will produce any particular financial result. Past performance of any strategy, model, or example is not indicative of future results. Markets involve risk, including the risk of loss.

09Third-party services

The Service relies on third-party providers, including a payment processor (Stripe), a learning-management and course-delivery provider (Thinkific), an authentication provider (Auth0), a messaging provider (Customer.io), cloud hosting (Amazon Web Services), a product-analytics provider (Mixpanel), and an application-monitoring provider (New Relic). Where the Service displays market, economic, or company information, that information is supplied by third-party data providers, which may include Intrinio, TradingView, the Federal Reserve Economic Data (FRED) service, and logo.dev. This information relates to securities, markets, and companies, not to you, and we make no warranty as to its accuracy, completeness, or timeliness. We do not control and are not responsible for the acts, omissions, accuracy, or availability of any third-party service. Your use of a third-party service may be subject to that provider's own terms. Links to third-party sites are provided for convenience and are not an endorsement.

10Disclaimers

The service and all content, tools, and features are provided "as is" and "as available" without warranties of any kind, whether express, implied, statutory, or otherwise, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, reliability, availability, or non-infringement. To the extent any implied warranty cannot be disclaimed, its duration is limited to the shortest period permitted by law.

10.1 Security; no absolute guarantee

We implement administrative, technical, and physical safeguards designed to protect the Service and your personal information. However, no method of transmission or storage is completely secure, and we do not guarantee absolute security. You are responsible for maintaining the security of your devices and credentials.

10.2 Availability

We do not guarantee that the Service will be available at all times or free of errors or interruptions, and we may modify, suspend, or discontinue any feature or content at any time without liability to you.

11Limitation of liability

To the maximum extent permitted by law, the company's total aggregate liability for all claims arising out of or relating to these terms or your use of the service will not exceed the greater of (a) the total fees you actually paid to the company in the twelve (12) months immediately before the event giving rise to the claim, or (b) one hundred dollars ($100). This limitation is a fundamental element of the bargain and applies even if a limited remedy fails of its essential purpose.

In no event will the company be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including loss of profits, goodwill, data, investment opportunities, or other intangible losses, whether based on warranty, contract, tort (including negligence), strict liability, or any other theory, even if advised of the possibility of such damages.

You must bring any claim arising out of or relating to these Terms within one (1) year after the cause of action accrues, or it is permanently barred. Nothing in these Terms limits liability that cannot be limited under applicable law, including liability for the Company's gross negligence, willful misconduct, or fraud.

12Indemnification

You agree to indemnify, defend, and hold harmless the Company and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your violation of these Terms or the Acceptable Use Policy; (b) your use or misuse of the Service; (c) content you submit; or (d) your violation of any law or third-party right. We may assume the exclusive defense of any matter subject to indemnification, and you will cooperate as reasonably requested.

13Governing law and dispute resolution

13.1 Governing law

These Terms and any dispute arising out of or relating to them or your use of the Service are governed by the laws of the State of Delaware, without regard to its conflict-of-law principles.

13.2 Binding arbitration

You and the Company agree that any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Service will be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its consumer arbitration rules, and not by a court or jury. You acknowledge that you are waiving your right to a trial by jury. The arbitrator has exclusive authority to resolve disputes relating to the interpretation, applicability, enforceability, or formation of this arbitration agreement.

13.3 Class action waiver

You and the Company agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, or representative proceeding.

13.4 30-day opt-out

You may opt out of the arbitration agreement and class action waiver by sending written notice to support@wealthcompoundry.com within thirty (30) days of first creating your account. If you opt out, neither you nor the Company will be required to arbitrate. This Section does not apply where prohibited by law, and either party may bring an individual claim in small claims court.

14General

14.1 Entire agreement

These Terms, together with the Privacy Policy, Cookie Policy, and Acceptable Use Policy, are the entire agreement between you and the Company regarding the Service and supersede any prior agreements on the subject.

14.2 Severability and waiver

If any provision is held unenforceable, the remaining provisions remain in effect. Our failure to enforce a provision is not a waiver of it.

14.3 Assignment

You may not assign these Terms without our prior written consent. We may assign them in connection with a merger, acquisition, or sale of assets.

14.4 Electronic communications

By creating an account, you consent to receive electronic communications from us, including notices about your account and the Service, and you agree that electronic communications satisfy any legal requirement that a communication be in writing.

14.5 Force majeure

We are not liable for any delay or failure to perform caused by events beyond our reasonable control.

14.6 Headings

Section headings are for convenience only and do not affect interpretation.

15Contact

For questions about these Terms, your account, or billing, contact us at support@wealthcompoundry.com. Mailing address as posted on the Platform.