Terms of Service

1. Who these terms are with

These terms are an agreement between you and [FULL LEGAL NAME] (tax ID [NIF / NIE], [STREET, POSTAL CODE, CITY, COUNTRY]), an individual who runs thecompounderscore.com without a company. In these terms, “I” and “me” mean that person. By using the website or buying a subscription you accept these terms. If you do not accept them, please do not use the website. Who I am and how to reach me is also set out in the Legal Notice.

2. What the service is

The Compounder Score publishes independent equity research, a 22-point scoring framework (“The Compounder Score”), screening tools and portfolio information. Part of the content is free. Other parts, such as deep-dive reports, are available only with a paid subscription. Which features belong to which plan is shown on the Pricing page and again at checkout.

A paid subscription also includes access to the paid content of the Substack publication. That content is delivered through Substack, so Substack’s own terms and privacy policy apply to it, and I share the email address you subscribed with so that Substack can give you access. This access lasts for as long as your subscription does.

3. No financial advice

4. Who can use the service, and accounts

You must be at least 18 years old and able to enter a binding contract. Where an account is needed, give accurate information and keep your login details secret. An account is personal: do not share it or let anyone else use it. Tell me promptly if you think someone else has accessed your account. You are responsible for activity under your account.

5. Subscriptions, prices and payment

• The plan, price, billing interval and what is included are shown on the Pricing page and again before you pay. The price shown at checkout is the price you pay, including VAT or other taxes that apply to you unless stated otherwise.
• Payments are taken by Stripe Payments Europe, Ltd.. By subscribing you authorise it to charge your payment method at the start of each billing period until you cancel.
• You will receive a receipt or invoice for each payment.
• If a payment fails, I may retry it and may pause your paid access until it succeeds.
• If I change a price, I will tell you at least 30 days before it applies to you, and you can cancel before it takes effect.

6. Right of withdrawal and refunds

If you are a consumer in the European Union, you generally have 14 days from purchase to withdraw without giving a reason. To do so, send me a clear statement by email to [CONTACT EMAIL, e.g. hello@thecompounderscore.com] within that period. I will refund you within 14 days of receiving it, using the payment method you used.

Paid content is made available immediately. At checkout you will be asked to request immediate access and to acknowledge the consequences. Where the law allows it, that means that if you withdraw after access has begun I may deduct a proportionate amount for what you already used or, for digital content supplied immediately with your express consent and acknowledgement, your right of withdrawal ends once access begins. Nothing here limits any mandatory right you have under consumer law.

Outside the withdrawal period, payments are not refundable, except where the law requires it or where I decide otherwise, for example for duplicate charges or billing errors.

7. Cancelling

You can cancel at any time, through the link in your payment receipt or the customer portal of the payment provider if available, or by emailing me. After you cancel, you keep access until the end of the period you already paid for, and you will not be charged again. Access to the paid Substack content that comes with your subscription ends at the same time.

8. Acceptable use

You agree not to:

• resell, republish or share paid content or your access with others;
• copy or extract content or data in bulk, including by scraping or other automated means, or use it to train or build AI models or datasets, without my written permission;
• reverse engineer, disrupt or test the security of the website without permission;
• use the website unlawfully, or to harass others or infringe their rights.

Ordinary search-engine indexing and short quotations with attribution and a link are fine.

9. Intellectual property

The content, the scoring framework, the design and the code are protected by intellectual property law and belong to me or to my licensors. While you have access, I give you a personal, non-exclusive, non-transferable, revocable licence to read and use the content for your own non-commercial purposes. All other rights are reserved. Names and logos of companies discussed belong to their owners and are used only to identify them.

10. Data, availability and third parties

Market data and other information come from third-party sources and may be delayed, incomplete or wrong, so verify it before using it for any decision. I try to keep the website available but do not guarantee uninterrupted access, and I may carry out maintenance or change features. I am not responsible for third-party websites that I link to.

11. Disclaimers and limits on liability

The service is provided “as is”. To the maximum extent the law allows, I am not liable for investment losses or decisions made using the content, for lost profits, or for indirect or unforeseeable losses. For claims about the paid service, my total liability to you is limited to the amount you paid me in the 12 months before the event.

None of this excludes or limits liability that cannot be excluded by law, including for intent or gross negligence, for death or personal injury, or the legal rights you have as a consumer.

12. Suspension and termination

I may suspend or close your account if you seriously or repeatedly break these terms, if a payment is not made, or if the law requires it. If I close your account without any breach on your part, I will refund the unused part of any period you prepaid.

13. Changes to these terms

I may update these terms, for example when features or the law change. I will give paid subscribers at least 30 days’ notice of material changes by email. If you do not agree with a change, you can cancel before it takes effect, and I will refund any prepaid period that remains after the cancellation date.

14. Governing law and disputes

These terms are governed by Spanish law. If you are a consumer, you keep the protection of the mandatory consumer laws of the country where you live and may bring a claim in the courts of that country. For everyone else, the courts of [CITY], Spain, have jurisdiction. Please contact me first so we can try to solve any problem informally: [CONTACT EMAIL, e.g. hello@thecompounderscore.com].