Terms & Conditions

1. Acceptance of Terms

By accessing or using makeitcompound.com (the “Site”), logging into the client portal, purchasing our courses, or engaging our coaching services, you agree to be bound by these Terms & Conditions (“Terms”). If you do not agree to these Terms, please do not use the Site, the portal, or our services.

These Terms apply to all visitors, newsletter subscribers, course students, coaching clients, and client portal users. We reserve the right to update these Terms at any time — see Section 15 for details.

Age requirement. You must be at least 18 years old to create an account or purchase any service from Make It Compound. By accepting these Terms, you represent that you are 18 or older. If you are under 18, do not create an account or submit any information to us.

2. About Our Services

Make It Compound provides financial coaching, educational content, online courses, free resources, and — for active coaching clients — a private client portal that includes personal financial dashboards, budgeting tools, goal tracking, and bank account connectivity.

We are a financial coaching service, not a licensed financial advisor, registered investment advisor, CPA, or attorney. Nothing on this Site, in our courses, communicated during coaching sessions, or displayed in the client portal constitutes legal, tax, accounting, or investment advice. All content is educational and informational in nature.

You are solely responsible for any financial decisions you make. We encourage you to consult with a licensed professional before making significant financial decisions.

3. Client Portal — Access and Acceptable Use

Access

The Compound app at /app is available to anyone who creates a Compound account and maintains an active subscription — either a consumer subscription (Compound, $12/month or $99/year) or an active Compound for Coaches subscription (which includes the consumer app). You can sign up at makeitcompound.com/signup. No invitation is required.

The Compound for Coaches platform at /coach is available to approved coaches with an active coach subscription. Coaches apply at makeitcompound.com/coaches/apply.

Portal access may be suspended or terminated at our discretion for the reasons described in Section 10 — Termination.

Account Security

You are responsible for maintaining the confidentiality of your account. The portal uses magic-link email authentication — never share a sign-in link with anyone. Notify us immediately at hello@makeitcompound.com if you suspect unauthorized access to your account.

Acceptable Use

You may use the client portal only for your own personal financial management. You agree not to:

• Share your portal access with any other person (household members have their own accounts)
• Use the portal for any commercial, business, or third-party purpose
• Attempt to access any other user's data
• Probe, scan, or test the security of the portal without our prior written authorization
• Introduce malicious code, scripts, or automated bots
• Reverse-engineer, copy, or redistribute any part of the portal software
• Use the portal in any way that violates applicable law

Security research and vulnerability disclosure

We welcome good-faith security research. If you discover a vulnerability in our systems, please report it to security@makeitcompound.com before disclosing it publicly. We ask that you: (a) give us reasonable time to investigate and fix the issue before public disclosure; (b) avoid accessing, modifying, or exfiltrating data beyond what is necessary to demonstrate the vulnerability; and (c) not perform denial-of-service testing or social engineering. We will not take legal action against researchers who follow these guidelines in good faith.

4. Bank Connections and Plaid

The client portal offers optional bank account connectivity powered by Plaid Technologies, Inc. By choosing to connect a bank account, you agree to the Plaid End User Privacy Policy in addition to these Terms.

How It Works

When you connect a bank account, you are redirected to a secure Plaid-hosted interface where you authenticate directly with your bank. Make It Compound does not receive or store your bank username, password, or full account numbers at any time. Plaid provides us with a limited-access token that allows retrieval of account balances and transaction history for display in your portal.

Data Usage Limitations

Data obtained through Plaid is used solely to power your personal financial dashboard. We do not:

• Use your bank data for credit decisions or credit scoring
• Sell your bank data to any third party
• Use your bank data for advertising targeting or profiling
• Share your bank data with your coach beyond what is displayed in the portal
• Retain your bank data after you disconnect your accounts or your portal access ends

Disconnecting

You may disconnect any bank connection at any time from the Accounts page in your portal. Disconnection revokes our Plaid access token and stops further data retrieval. You can also manage connections at my.plaid.com.

5. Financial Data and Portal Content

The financial data displayed in your portal — including balances, transactions, budgets, and net worth — is presented for your personal informational and coaching purposes only. We make no representation that the data is complete, accurate, or current at any given moment. Bank sync delays and data format differences may cause discrepancies between portal figures and your actual account statements. Always verify important figures directly with your financial institution.

You are responsible for the accuracy of any data you manually enter into the portal, including manual account balances, transaction imports, and budget figures.

5.1 Artificial intelligence features

Certain features of the Compound app use artificial intelligence models (collectively, “AI Features”) to generate content based on your financial data. AI Features currently include, but are not limited to: personalized spending observations displayed on the dashboard, cash-flow forecast observations, transaction auto-categorization suggestions, spending change summaries, natural-language answers to questions about your transaction history, spending anomaly alerts, and — for coaches — pre-session brief summaries and personalized client outreach email copy.

AI-generated content is informational only. It does not constitute financial, tax, investment, accounting, or legal advice of any kind. AI outputs may be inaccurate, incomplete, out of date, or unsuitable for your circumstances. AI models can make mistakes, and no AI-generated content has been reviewed by a licensed financial professional.

You are solely responsible for any financial decision you make, regardless of whether AI-generated content influenced that decision. We strongly encourage you to verify any financially significant figures or suggestions directly with a qualified professional before acting on them.

We reserve the right to add, modify, or remove AI Features at any time. Where we label content as AI-generated within the app, that label is provided for transparency and does not imply any additional warranty about the accuracy of that content.

6. Coaching Services

Booking

Coaching sessions are booked through Calendly. By booking a session, you agree to Calendly's Terms of Service in addition to these Terms. A session is confirmed only after you receive a calendar confirmation email.

Platform subscriptions

Access to Compound and Compound for Coaches is billed via Stripeon an automatically renewing subscription basis, as described in detail in Section 10b. If you engaged Make It Compound for personalized 1:1 coaching services arranged outside the platform (for example, a coaching package agreed before the self-serve platform existed), those services may be invoiced separately by email under a written agreement between you and Make It Compound. Platform subscriptions are governed by Section 10b and Stripe's terms; any separately-invoiced coaching engagements are governed by the written agreement for that engagement.

Cancellations & Rescheduling

We require at least 24 hours' noticeto reschedule or cancel a coaching session. Requests received with less than 24 hours' notice may result in forfeiture of that session.

Results Disclaimer

Financial results from coaching are not guaranteed. Outcomes depend on each client's effort, circumstances, starting financial position, and consistency of implementation. Testimonials shared on this Site represent individual experiences and are not a guarantee of similar results for any other person.

7. Free Resources

Free downloads, including any templates, guides, or checklists offered on this Site, are provided for your personal, non-commercial use only. You may not resell, redistribute, or publish these materials as your own without our written permission.

Free resources are provided “as is.” While we strive for accuracy, we make no warranties about the completeness or fitness of the materials for any particular purpose.

8. Intellectual Property

All content on this Site and in the client portal — including text, graphics, logos, videos, course materials, blog posts, free downloads, portal software and design, and the Make It Compound brand — is owned by Make It Compound and protected by applicable copyright and intellectual property law.

You may not reproduce, distribute, modify, publicly display, or create derivative works from any of our content without prior written permission. Requests can be sent to hello@makeitcompound.com.

8.1 Your content — ownership and license to us

You retain all ownership rights in the content you submit to or generate through the Site or portal, including manually- entered transactions, budgets, goals, profile fields, messages, session-note content authored by you, and any content you upload or import (collectively, “Your Content”). You grant Make It Compound a worldwide, non-exclusive, royalty-free, fully paid-up license to host, store, reproduce, display, transmit, and create derivative works of Your Content solely as necessary to (a) operate, secure, and improve the Site, portal, and our services for you and any users you have authorized (for example, a connected coach or household member), (b) generate aggregated or de-identified data that does not identify you, and (c) comply with law. This license terminates when Your Content is deleted from our systems, except for: (i) backup copies retained for a reasonable period for disaster-recovery purposes; (ii) aggregated or de-identified data; and (iii) records we are required to retain by law.

You represent and warrant that Your Content does not infringe any third party's rights and that you have all rights necessary to grant the license above.

DMCA / copyright complaints.If you believe content on the Site infringes a copyright you own or control, send a notice that complies with 17 U.S.C. §512(c) to hello@makeitcompound.comwith the subject line “DMCA Notice.” The notice must identify the copyrighted work, the allegedly infringing material (with a URL or sufficient detail to locate it), your contact information, a good-faith statement that the use is not authorized, a statement under penalty of perjury that the information is accurate and you are authorized to act, and your physical or electronic signature.

9. Email List

By submitting your email address on this Site, you agree to receive emails from Make It Compound related to the resource or service you signed up for. Portal users receive system emails (sign-in links, notifications) only and are not added to marketing lists without separate opt-in.

You can unsubscribe from marketing emails at any time by clicking the unsubscribe link in any marketing email we send.

10. Termination of Portal Access

Portal access may be terminated or suspended:

• By you — account deletion. Go to Settings → Data & privacy and follow the account-deletion prompt. Your account enters a 7-day grace period during which you can cancel from a banner in the app; after that, your account, financial data, and bank connections are permanently erased automatically.
• By you — subscription cancellation.Cancelling your subscription (Settings → Billing) ends access at the close of the current paid period. Your Plaid bank connections are revoked at that point to stop further data retrieval; your cached transaction history is deleted within 30 days of access ending. This is separate from account deletion — cancelled subscribers can resubscribe and reconnect their banks without losing access to historical data that has not yet been purged.
• If you violate these Terms — including misuse of the portal, unauthorized access attempts, or conduct that poses a security risk. In serious cases we may terminate without notice and revoke Plaid access immediately.
• If the portal service is discontinued (reasonable notice provided).

Upon termination, your financial data will be deleted in accordance with Section 8 of our Privacy Policy. We will provide reasonable notice before terminating access except in cases of Terms violations or security incidents.

10b. Compound App Subscription — Automatic Renewal

Please read this section carefully. The Compound budgeting app at /app and the Compound for Coaches platform are sold on automatically renewing subscriptions. By clicking “Subscribe,” “Start trial,” or an equivalent button at checkout, you authorize Make It Compound, through our payment processor Stripe, to charge your selected payment method on a recurring basis at the price and cadence (monthly or annual) shown on the pricing page until you cancel.

Pricing, trial, and renewal cadence

The current price, billing cadence, and any introductory trial length are displayed on the pricing page and on the checkout screen before you confirm. Monthly plans renew every month on the same day; annual plans renew every twelve months on the same day. If you started on a free trial, your paid subscription begins automatically at the end of the trial at the price shown at signup.

How to cancel — one click, online

You can cancel your subscription at any time, online, without contacting support: open the app, go to Settings → Billing, and click “Cancel subscription.” Cancellation takes effect at the end of the current paid period; you retain access through that date and are not charged again. You may also email us at hello@makeitcompound.com to request cancellation in writing.

Renewal reminders

For annual subscriptions, we will send you a renewal reminder email between 15 and 45 days before each automatic renewal. The reminder will identify the subscription, the renewal date and amount, and the one-click cancellation link. For monthly subscriptions, we do not send a per-cycle reminder, but every monthly charge is followed by an emailed receipt that includes the same cancellation link.

Other terms

• Subscription fees are non-refundable except where required by law (including California Civil Code §1671 et seq. where applicable).
• If a coach has paid for the Compound for Coaches platform while you are connected to them, your Compound app subscription is included for the duration of their subscription — you are not separately charged the consumer fee while connected.
• Failed payments enter a brief grace period during which portal access continues; if not resolved, the subscription is marked past-due and portal access is restricted to the billing page until payment succeeds.
• If we change the price of an existing subscription, we will notify you by email at least 30 days before the new price takes effect; the new price will apply only to renewals occurring after the notice period ends and you may cancel before then to avoid the price change.

California, New York, Oregon, North Carolina, and other jurisdictions with automatic-renewal laws: The disclosures in this Section 10b, together with the checkout-page summary you confirmed at signup and your emailed receipt, are intended to comply with the applicable automatic-renewal-law conspicuous-disclosure, acknowledgement, easy-cancellation, and renewal-reminder requirements (including California Bus. & Prof. Code §17602 and N.Y. Gen. Bus. Law §527-a).

11. Disclaimer of Warranties & Limitation of Liability

11.1 Disclaimer of warranties

The Site, the client portal, our courses, and our coaching services are provided “as is” and “as available” without warranties of any kind, whether express, implied, or statutory. To the maximum extent permitted by law, Make It Compound disclaims all implied warranties, including warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We make no warranty that the Site or portal will be error-free, uninterrupted, secure, or free of harmful components, or that any financial data displayed in the portal will be complete, accurate, or current.

11.2 Exclusion of indirect damages

To the fullest extent permitted by law, Make It Compound and its owners, officers, employees, and contractors shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, or business opportunity, arising out of or related to your use of the Site, the portal, our courses, or our coaching services — including but not limited to:

• Financial losses resulting from decisions made based on our content or guidance
• Inaccurate or delayed financial data in the client portal
• Interruption or unavailability of the portal or bank connection services
• Unauthorized access to your account due to actions outside our reasonable control

11.3 Aggregate liability cap

Subject to Section 11.4 below, our total cumulative liability arising out of or related to your use of the Site, Compound, Compound for Coaches, our courses, or our coaching services shall not exceed the greater of (i) the total fees you have paid to Make It Compound in the twelve (12) months preceding the event giving rise to the claim, or (ii) USD $100.

11.4 Carve-outs

The exclusions and limitations in Sections 11.2 and 11.3 do not apply to: (a) liability arising from our gross negligence or willful misconduct; (b) our indemnification obligations expressly set forth in these Terms; (c) liability that cannot be limited or excluded under applicable law (including consumer-protection statutes, product-liability law, or laws governing fraudulent misrepresentation); or (d) your obligation to pay fees due to us.

11.5 Allocation of risk

You acknowledge that the pricing of our services reflects the allocation of risk set out in this Section 11 and that the limitations and exclusions are a fundamental basis of the bargain between you and us. The limitations and exclusions in this Section 11 will apply even if a limited remedy fails of its essential purpose.

12. Governing Law & Dispute Resolution

12.1 Governing law

These Terms and any dispute arising out of or related to these Terms, the Site, the portal, or our services are governed by the laws of the State of Minnesota, without regard to its conflict- of-laws principles. The U.N. Convention on Contracts for the International Sale of Goods does not apply.

12.2 Informal dispute resolution first

Before filing a claim, you agree to attempt to resolve the dispute informally by emailing hello@makeitcompound.com with a description of the dispute and the relief sought. We will attempt in good faith to resolve the matter within thirty (30) days. If the dispute is not resolved within that period, either party may proceed under Section 12.3.

12.3 Binding individual arbitration

Please read this Section carefully. It affects your legal rights, including your right to file a lawsuit in court. Except for the carve-outs in Section 12.6, you and Make It Compound agree that any dispute, claim, or controversy arising out of or related to these Terms or our services will be resolved by binding individual arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules, as modified by these Terms. The arbitration will be conducted by a single arbitrator. The seat of arbitration is Minneapolis, Minnesota; you may elect to attend the hearing by video, telephone, or, if the amount in controversy is under $10,000, on the basis of written submissions only. The arbitrator may award the same individual relief available in court, including injunctive relief tailored to you. Judgment on the award may be entered in any court of competent jurisdiction. The Federal Arbitration Act governs the interpretation and enforcement of this Section.

12.4 Class-action & jury-trial waiver

You and Make It Compound agree that each may bring claims against the other only on an individual basis and not as a plaintiff or class member in any class, consolidated, or representative action. The arbitrator may not consolidate more than one person's claims and may not preside over any form of class proceeding. You and Make It Compound waive the right to a trial by jury. If this class-action waiver is found unenforceable as to a particular claim, that claim (and only that claim) will be severed from arbitration and brought in the courts identified in Section 12.7; the remainder of this Section 12 will remain in force.

12.5 30-day right to opt out of arbitration

You may opt out of the arbitration agreement and class-action waiver in Sections 12.3 and 12.4 by emailing hello@makeitcompound.com with the subject line “Arbitration Opt-Out” and your account email within 30 days of first accepting these Terms (or of a material amendment to this Section 12). Opting out has no effect on any other provision of these Terms.

12.6 Carve-outs

Notwithstanding Sections 12.3 and 12.4, either party may: (a) bring an individual action in small-claims courtfor any dispute within that court's jurisdiction, so long as the action remains in that court and on an individual basis; (b) seek injunctive or other equitable relief in court to prevent actual or threatened infringement, misappropriation, or violation of intellectual property or confidentiality rights; and (c) participate in a public-enforcement action where a private waiver of that right is unenforceable under applicable law.

12.7 Forum for non-arbitrable claims

Any claim that, under Section 12.6 or applicable law, is not subject to arbitration shall be brought exclusively in the state or federal courts located in Hennepin County, Minnesota, and you consent to personal jurisdiction and venue there.

12.8 One-year limitations period

To the extent permitted by applicable law, any claim arising out of or related to these Terms or our services must be filed within one (1) year after the cause of action accrues; otherwise the claim is permanently barred.

13. Coach Agreement

This Section 13 is the “Coach Agreement.” If you sign up via /coaches/apply, the checkbox you tick at signup records your acceptance of these terms as the legally binding agreement governing your use of Compound for Coaches. The current version is 2026-05-27.

Compound for Coaches is our paid B2B platform for financial coaches, advisors, and planners. Account creation is self-serve; we may suspend or revoke a coach's access at any time for cause, including but not limited to: violating these Terms, misusing client data, providing financial advice outside the scope of coaching as defined below, or any conduct that creates a security or compliance risk to our platform or other coaches' clients.

13.1 Coach responsibilities and warranties

By accepting this Coach Agreement, you represent, warrant, and agree that you will:

• Provide coaching only. You will provide financial coaching only — not regulated financial advice, discretionary investment management, securities recommendations, tax preparation, or legal counsel — unless you are separately and properly licensed for those activities and operate that practice independently of this platform.
• No fiduciary representation from the platform. You will not represent to clients, in marketing, on /c/<slug> landing pages, or anywhere else, that Make It Compound is a fiduciary, registered investment advisor, broker-dealer, or licensed advisor in any jurisdiction.
• Authority to coach. You hold any certifications, licences, or registrations that you publicly claim, and you have the legal authority in your jurisdiction to provide financial coaching services for compensation.
• Client data — purpose limitation. You will access and use client data exclusively to inform the coaching relationship with that specific client. You will not use aggregated or de-identified client data for any commercial purpose without our prior written consent.
• No export without consent.You will not export, copy, screenshot, transmit, or republish client financial data outside the platform — including via the compliance-export PDF or session-snapshot PDF — except as required for your professional compliance file or with the client's explicit written consent. The compliance export is provided for your professional record-keeping, not redistribution.
• Confidentiality of session notes.Coach-private session notes are encrypted at rest and visible only to you. You will keep their contents confidential and will not disclose them to third parties absent a court order, a legal obligation, or the affected client's explicit written consent.
• Security incident notification. You will notify us at hello@makeitcompound.com within 72 hours of discovering any actual or reasonably suspected security incident affecting any client's data accessed through the platform — including but not limited to credential compromise, unauthorised access to your coach account, or loss of a device with an active session.
• Legal compliance. You will comply with all laws applicable to you in your jurisdiction governing financial coaching, advertising of financial services, consumer-data handling, and (where relevant) consumer-protection and anti-discrimination law.
• Content you author.You are solely responsible for the content of your public profile page, slug-based landing page, action items, messages, goal proposals, session notes, and all other content you author on the platform. You warrant that this content does not infringe any third party's rights, is not defamatory, and does not violate any law.
• No misrepresentation of results. You will not claim or imply guaranteed financial outcomes, specific returns, or specific timelines for any client, on the platform or in marketing that links to it.

13.2 Platform access model — read-only by design

The platform grants coaches read-onlyaccess to connected clients' financial data. Coaches cannot initiate transactions, move money, change client settings, link or unlink bank accounts, or alter a client's underlying financial records through the platform. The action items, goal proposals, and messages you send to a client are independent records on top of the client's data; the client must accept goal proposals, mark action items complete, etc. on their own. You acknowledge that you have no custodial or fiduciary relationship with the client by virtue of the platform.

13.3 Client data — joint roles

Make It Compound and the coach act as independent controllers with respect to client data accessed through the platform, each for the purposes for which it determines the means of processing (subject, where GDPR or UK GDPR applies, to a joint-controller analysis under Art. 26): Make It Compound determines the means and purposes of operating the platform itself, including authentication, sync, storage, and security; the coach determines the means and purposes of the coaching engagement and how client data is interpreted, recorded in session notes, and used in coach-authored content (action items, messages, goal proposals).

Make It Compound collects client data directly from each client under the consents and lawful bases described in our Privacy Policy, and provides the coach with view access subject to the client's affirmative connection. We will process client data only as needed to provide the platform, comply with law, and protect platform security; we will not sell, license, or use client data for advertising. Where your professional regulator or applicable law (including GDPR Art. 28 or a U.S. state privacy law) requires a formal Data Processing Agreement, Business Associate Addendum, or joint-controller arrangement for the client data you handle through the platform, email hello@makeitcompound.comto request one — this Coach Agreement is not, by itself, that addendum.

13.4 Subscription, billing, and client limits

Compound for Coaches is sold on three monthly subscription tiers (Starter $49 / Growth $99 / Pro $199) which set the maximum number of clients a coach may have actively connected at any one time. Plans renew automatically until cancelled. We use Stripe as our payment processor; you authorise charges via the Stripe Customer Portal. Subscription fees are non-refundable except where required by law. Your own Compound app is included for the duration of an active subscription — you are not billed the consumer fee separately while your coach subscription is active.

13.5 Effect of cancellation, suspension, and termination

If a coach cancels or fails to pay their subscription, the coach loses access to the coach dashboard but their connected clients' accounts are not affected — clients retain their own data and may connect to a different coach. Coach-private session notes are retained for a minimum of 90 days after cancellation (so a returning coach can resume their work) and are then permanently deleted unless we have a legal obligation to retain them longer. We may immediately suspend an account on reasonable suspicion of a breach of Section 13.1 pending investigation.

13.6 Limits of coaching services and disclaimers

Compound for Coaches is a software platform; coaches operate as independent providers and not as agents, employees, or representatives of Make It Compound. Make It Compound is not a party to the coaching agreement between you and your client and disclaims any responsibility for the content or outcome of that engagement. Nothing on the platform constitutes investment, tax, or legal advice from Make It Compound to you or to your clients. To the fullest extent permitted by law, you will indemnify and hold harmless Make It Compound from any claim arising out of your coaching services, your statements to clients, or your use of client data, except to the extent caused by our own gross negligence or wilful misconduct.

13.7 Changes to this Coach Agreement

We may revise this Coach Agreement from time to time. The current version identifier is shown at the top of this page and stored against your acceptance record. When we make material changes we will bump the version identifier and notify active coaches by email; if you do not accept the new version within a reasonable window, we may suspend your coach access until you do.

13.8 Acceptance and acceptance record

By clicking “I agree,” “Sign Up as a Coach,” or an equivalent button at /coaches/apply (or in any later in-app re-acceptance flow), you confirm that you have read, understood, and agree to be bound by this Coach Agreement, version 2026-05-27, together with the rest of these Terms and the Privacy Policy. We record the version identifier, your account identifier, the timestamp, and the IP address from which acceptance was submitted as evidence of your assent.

14. General Provisions

14.1 Entire agreement

These Terms (together with the Privacy Policy, Cookie Policy, and any order form, checkout-page disclosures, or additional terms expressly referenced) constitute the entire agreement between you and Make It Compound regarding the Site and our services and supersede all prior agreements and understandings.

14.2 Severability

If any provision of these Terms is held invalid, illegal, or unenforceable, the remaining provisions remain in full force and effect, and the invalid provision will be modified only to the minimum extent necessary to render it enforceable while preserving its intent.

14.3 No waiver

Our failure to enforce any provision of these Terms is not a waiver of our right to enforce it later. A waiver of any breach is not a waiver of any subsequent breach.

14.4 Assignment

You may not assign or transfer these Terms or any of your rights or obligations under them without our prior written consent. Make It Compound may assign these Terms, in whole or in part, to an affiliate or to a successor in connection with a merger, acquisition, financing, corporate reorganization, or sale of substantially all of its assets, on notice to you. These Terms bind and benefit the parties and their respective successors and permitted assigns.

14.5 Force majeure

Neither party will be liable for any failure or delay in performance to the extent caused by events beyond its reasonable control, including acts of God, war, terrorism, civil unrest, labor disputes, government action, internet or telecommunications outages, third-party service-provider failures (including Plaid, Stripe, Supabase, or Cloudflare), cyber-attacks, or natural disasters. This Section does not excuse your obligation to pay fees due.

14.6 Notices

We may give you notice by email to the address associated with your account, by in-app message, or by posting on the Site. You consent to receive notices from us electronically. Notices to us must be sent by email to hello@makeitcompound.com and are deemed delivered when we acknowledge receipt.

14.7 Electronic signatures & records (E-SIGN / UETA)

You consent to the use of electronic records and electronic signatures in connection with these Terms and our services under the U.S. Electronic Signatures in Global and National Commerce Act and the Uniform Electronic Transactions Act (UETA). You may withdraw this consent by closing your account, but doing so will end your ability to use our services. You may obtain a paper copy of any electronic record by emailing us at hello@makeitcompound.com; we may charge a reasonable fee for paper copies.

14.8 Export and sanctions

You represent that you are not located in a country subject to a U.S. Government embargo or designated as a terrorist-supporting country, and that you are not on any U.S. Government list of prohibited or restricted parties. You will not use the Site or our services in violation of U.S. export-control or sanctions laws.

14.9 Survival

The following Sections survive termination of these Terms: 5 (Financial Data and Portal Content, including 5.1 AI Features), 8 (Intellectual Property) including any license granted to us under 8.1, 11 (Disclaimer & Limitation of Liability), 12 (Governing Law & Dispute Resolution), 13.6 (indemnification by coaches), and 14 (General Provisions).

14.10 Headings & interpretation

Section headings are for convenience and do not affect interpretation. “Including” means “including without limitation.”

15. Changes to These Terms

We may update these Terms & Conditions at any time. When we do, we will revise the “Last updated” date at the top of this page. For material changes, we will make reasonable efforts to notify portal users by email. Your continued use of the Site or portal after any changes are posted constitutes your acceptance of the updated Terms.

16. Contact Us

If you have questions about these Terms & Conditions, please contact us:

Make It Compound
Email: hello@makeitcompound.com
Mailing address: 12527 Central Ave NE #256, Blaine, MN 55434
Website: makeitcompound.com