1. What you are agreeing to
By creating an account you agree to these terms. If you do not agree, do not create an account. You must be old enough to enter a contract where you live, and you must give accurate information when you sign up.
2. What CompoundWise does
It tracks a portfolio you enter or import, scores holdings against published methodologies, models tax outcomes under Canadian rules, and generates written reports — some of which are produced by a large language model. It runs your holdings through a fixed set of published rules that produce ADD, TRIM, SELL and HOLD signals, some with a suggested share count, and an AI advisor explains and prioritises those signals in plain English. The rules, the scores and their limits are written down in the published methodology, including what has not been tested: the Deep Score’s labels have not yet been tested against later returns. It is a tool for organising your own thinking.
3. What it does not do
- It does not give personalized investment advice from a registered adviser, and it does not give tax, legal, or accounting advice. Its signals do not take your full circumstances into account, because it knows only what you enter.
- It does not custody assets, move money, or execute trades.
- It does not guarantee that any number it shows is correct — see section 5.
- It does not promise any investment outcome. Past performance says nothing about the future.
Speak to a licensed adviser or accountant before acting on anything you read here, particularly anything tax-related. Tax rules change, and CompoundWise's model of them can lag or be wrong.
4. Your account
Keep your password to yourself; you are responsible for what happens under your account. Tell me promptly if you think someone else has access. You may delete your account at any time from the iPhone or Android app (Settings → Delete Account); on the web, ask in the help chat and it will be done for you. See the Privacy Policy for exactly what deletion does and does not remove.
CompoundWise is currently invite-only. Access may be suspended or withdrawn, including for abuse, for attempts to disrupt or reverse-engineer the service, or simply because the private beta ends.
5. Accuracy, and the honest warning
The service is provided "as is", without warranties of any kind, to the fullest extent the law allows. To the same extent, I am not liable for any loss — investment losses, lost profits, lost data, or tax consequences — arising from your use of it. Some jurisdictions do not allow these exclusions, in which case they apply only as far as permitted.
6. Your content
Your portfolio data stays yours. You grant only the permission needed to run the service for you: to store it, process it, and pass the necessary parts to the third parties listed in the Privacy Policy. It is never sold.
7. Changes
These terms may change. Material changes will be shown in the app and you will be asked to accept the new version — your acceptance is recorded with its version and date.
8. Governing law
These terms are governed by the laws of the Province of Ontario and the federal laws of Canada that apply there.