This Privacy Policy explains what personal information Wealth Compoundry collects, how we use and share it, and the choices you have. It applies to the Wealth Compoundry website, member portal, courses, and community features (the "Service").

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 data: aggregated usage measured through Google Analytics, which may set its own cookies and assign a pseudonymous identifier. 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, and aggregated analytics from Google Analytics. 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. You can manage non-essential cookies through your browser settings, and you can opt out of Google Analytics as described in our Cookie Policy. 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 may use Google Analytics, which under California law could be considered "sharing" for cross-context behavioral advertising; we do not use it for advertising, and where required we treat a valid Global Privacy Control (GPC) signal as an opt-out of "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.

This Cookie Policy explains how Wealth Compoundry uses cookies and similar technologies on its website and member portal. We use a minimal set of cookies, mostly those that are strictly necessary for the Service to work. This Policy supplements our Privacy Policy.

01What cookies are

Cookies are small text files placed on your device that let a website recognize your device, remember your preferences, and understand how the site is used. Similar technologies include local and session storage, and pixel tags or web beacons (small invisible images used to measure email engagement).

02How we use cookies

2.1 Strictly necessary

Required for the Service to function, including sign-in, security, and load balancing. These cannot be disabled. We rely on our legitimate interests and the performance of our contract with you to use them.

2.2 Functional

Remember your preferences and settings. Disabling them may reduce usability but will not prevent core functions.

2.3 Analytics

We use Google Analytics to understand how members use the Service so we can improve it. Google Analytics may set its own cookies and assign a pseudonymous identifier (such as a device or client ID) and may process IP-derived region. We use analytics outputs in aggregated form and not to make decisions about individual accounts. Where required by law, we will request your consent before placing analytics cookies, and you can decline them or withdraw consent through your browser settings or Google's opt-out add-on as described in Section 5.

2.4 Communications measurement (Customer.io)

Customer.io places tracking technologies in the emails and SMS messages we send to measure delivery and engagement. You can disable email engagement tracking by opting out of marketing emails. Delivery tracking on transactional messages may continue for operational reliability.

03Third-party cookies

The third parties that may place or read cookies through the Service are Google Analytics (analytics), Auth0 (authentication), Stripe (payment processing at checkout), and Customer.io (communications measurement). Where we embed third-party content such as charts or market-data widgets, that content may set its own cookies, governed by the provider's own terms. The use of information by these third parties is governed by their own privacy terms. If we introduce additional third-party tools that place cookies, we will update this Policy, provide notice, and obtain consent where required before enabling them.

04What we do not use cookies for

• We do not use advertising or retargeting cookies, and we do not place advertising-network pixels on the Service.
• We do not sell cookie-derived data or share it with data brokers.

05Managing your preferences

5.1 Managing non-essential cookies

We do not currently operate a separate cookie preference center. You can control non-essential cookies through your browser settings as described below, and you can opt out of Google Analytics as described in Section 5.3. Where required by applicable law, we will request your consent before placing non-essential cookies and you may decline. Strictly necessary cookies cannot be disabled because the Service cannot function without them. If we add a cookie preference center or banner, we will describe it here.

5.2 Browser settings

Most browsers let you view, manage, and delete cookies in their settings (for example, in Chrome under Settings, then Privacy and security, then Cookies and other site data). Blocking strictly necessary cookies will prevent the Service from working correctly.

5.3 Opting out of Google Analytics

You can opt out of Google Analytics across websites by installing Google's browser opt-out add-on, and you can block or delete analytics cookies through your browser settings.

5.4 Global Privacy Control

Where required by law, we treat a valid Global Privacy Control (GPC) signal as a request to opt out of "sharing" as defined by applicable law. We do not currently respond to Do Not Track signals, as there is no consistent industry standard for them.

06Changes and contact

We will update this Policy before deploying any new cookie category and will provide notice of material changes at least fourteen (14) days before they take effect. For questions, contact support@wealthcompoundry.com.

This Acceptable Use Policy sets the standards for how everyone uses Wealth Compoundry. It is incorporated into our Terms of Service. If there is a conflict between this Policy and the Terms of Service, the Terms of Service control.

01Purpose and scope

This Policy governs the conduct of all users of the Wealth Compoundry website, member portal, courses, and community features (the "Service"), regardless of plan or method of access. Capitalized terms not defined here have the meaning given in the Terms of Service.

02General standards

You agree to use the Service in good faith and consistent with its educational purpose. You will:

• Provide accurate, current, and complete information.
• Maintain the security of your credentials and notify us if your account may be compromised.
• Use the Service only for lawful, intended purposes.
• Comply with all applicable laws and respect other members and our personnel.

03Prohibited conduct

3.1 Account integrity

• Multiple accounts. You may not create, operate, or access more than one account, regardless of the email, identity, device, or network used.
• Account transfer or sharing. You may not transfer, sell, or grant access to your account, or share your credentials with anyone.
• Impersonation. You may not impersonate any person or entity or misrepresent your affiliation with anyone.
• False information. You may not provide false or misleading information at any point, including at registration or in support interactions.

3.2 Circumvention and unauthorized access

• Eligibility circumvention. You may not attempt to bypass age, geographic, or other eligibility restrictions through any means.
• Unauthorized testing. You may not probe, scan, or test the vulnerability of any Service system without our prior written consent.
• Bypassing controls. You may not bypass, disable, or circumvent any authentication, access control, or security feature.

3.3 Automation and data extraction

• Bots and automation. You may not use bots, scrapers, crawlers, macros, or other automated tools to access the Service, except through an interface we expressly authorize in writing.
• Data harvesting. You may not systematically extract, scrape, copy, or collect Content or data from the Service by any means.
• Load generation. You may not place excessive load on our infrastructure, including through denial-of-service activity.

3.4 Intellectual property

• Unauthorized reproduction. You may not reproduce, distribute, publish, or create derivative works from any Content, branding, code, frameworks, methodologies, or other intellectual property without our prior written consent.
• Reverse engineering. You may not reverse engineer, decompile, or attempt to derive the source code or underlying methods of any part of the Service.
• Competitive use. You may not use Content or outputs for competitive benchmarking, resale, or any commercial purpose without our prior written consent.

3.5 Harmful, illegal, and abusive conduct

• Harassment. You may not harass, threaten, intimidate, bully, or stalk any member or our personnel through any Service feature or community space.
• Hate and discrimination. You may not post content that promotes or incites hatred, discrimination, or violence against any protected group.
• Illegal activity. You may not use the Service to further any illegal activity, including fraud or money laundering.
• Harmful code. You may not upload or transmit any virus, malware, or other harmful code.
• Spam. You may not send unsolicited commercial messages or spam through any Service feature.
• Third-party rights. You may not post content that infringes the intellectual property, privacy, or other rights of any third party.

04Community and content standards

These standards apply to all member-submitted content, including community posts, comments, profile information, and your Declaration of Financial Independence:

• You may not post content that is defamatory, obscene, threatening, harassing, or abusive.
• You may not post content that promotes or facilitates illegal activity.
• You may not disclose another person's private information without consent.
• You may not falsely imply endorsement by, or misrepresent your relationship with, the Company.
• You may not post or share content as financial advice or in a way that misrepresents the educational nature of the Service.

We may remove any content that violates this Policy or that we determine, in our reasonable discretion, is harmful to the Service or its community, without prior notice.

05Responsible disclosure

If you discover a security vulnerability or data exposure, please report it promptly to support@wealthcompoundry.com before disclosing it to any third party, do not exploit it, and cooperate with our investigation. We will not take enforcement action against good-faith reports made in accordance with this Section.

06Enforcement

Violations may result, at our reasonable discretion and in proportion to the violation, in one or more of the following:

• A written warning logged to your account.
• Temporary restriction of features.
• Suspension of your account for a defined period.
• Permanent termination of your account.
• Referral to law enforcement or civil legal action where warranted.

We are not required to provide advance notice before taking enforcement action, except where required by law.

07Appeals

If you believe an enforcement action was taken in error, you may submit an appeal to support@wealthcompoundry.com within fourteen (14) days of the action, with a written description of the grounds. Our decision on an appeal is final.

08Updates and contact

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. Questions may be directed to support@wealthcompoundry.com.