Terms & Conditions

Welcome to MyDosh. These Terms and Conditions ("Terms") govern your access to and use of the MyDosh website at mydosh.com.au (the "Site").

By accessing or using this Site, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Site.

MyDosh is developing a personal finance management application featuring AI-powered financial forecasting and Open Banking integration. This Site provides information about our upcoming product and allows you to join our waitlist.

Permitted Use

You may use this Site to:

• Learn about MyDosh and our upcoming product
• Join our waitlist for product launch notifications
• Contact us with questions or feedback
• Share information about MyDosh on social media

Prohibited Use

You may not:

• Use the Site for any unlawful purpose or in violation of these Terms
• Attempt to gain unauthorized access to any part of the Site, servers, or networks
• Transmit viruses, malware, or other malicious code
• Scrape, harvest, or collect data from the Site using automated means
• Impersonate MyDosh or any other person or entity
• Interfere with or disrupt the Site's operation or servers
• Use the Site to distribute spam or unsolicited communications
• Reverse engineer, decompile, or disassemble any aspect of the Site

Our Content

All content on this Site, including text, graphics, logos, images, videos, software, and design elements (the "Content") is owned by or licensed to MyDosh and is protected by Australian and international intellectual property laws.

You may not copy, reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any Content without our prior written permission.

Limited Licence

We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Site for personal, non-commercial purposes in accordance with these Terms.

Trademarks

"MyDosh" and our logo are trademarks of MyDosh. You may not use our trademarks without our prior written consent.

User Submissions

If you submit feedback, suggestions, ideas, or other communications about this Site or our marketing materials to us ("Submissions"), you grant us a perpetual, irrevocable, worldwide, royalty-free licence to use, reproduce, modify, and incorporate such Submissions for any purpose without compensation or attribution to you.

Registration Information

When joining our waitlist, you agree to:

• Provide accurate, current, and complete information
• Maintain and update your information as necessary
• Not create multiple accounts or use false identities
• Not share your waitlist account credentials (if applicable)

No Guarantee of Access

Communications

By joining the waitlist, you consent to receive:

• Product launch notifications
• Updates about MyDosh development
• Marketing communications (you may opt-out at any time)

No Financial Advice

"As Is" Basis

The Site is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to:

• Implied warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy, reliability, or completeness of content
• Uninterrupted or error-free operation
• Freedom from viruses or harmful components

No Guarantees About Future Product

Any descriptions, features, screenshots, or information about the MyDosh app are:

• Subject to change without notice
• Not binding commitments
• Illustrative only
• Not guaranteed to be included in the final product

We reserve the right to modify, delay, or cancel the MyDosh app at any time without liability.

AI Technology Disclaimer

The MyDosh app will use artificial intelligence (AI) to provide financial forecasting and insights. You acknowledge that:

• AI technology can produce errors, inaccuracies, or unexpected results
• AI predictions are probabilistic estimates, not guarantees of future outcomes
• AI-generated insights should not be relied upon as the sole basis for financial decisions
• Human judgment and professional financial advice should always be considered
• AI models can be affected by data quality, market changes, and unforeseen circumstances

To the maximum extent permitted by Australian law:

Exclusion of Liability

MyDosh, its directors, employees, agents, and affiliates will not be liable for any:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Service interruptions or delays
• Errors or inaccuracies in Site content
• Unauthorized access to or use of your information
• Any other loss or damage of any kind

Maximum Liability

Consumer Law

Nothing in these Terms excludes, restricts, or modifies any consumer rights under the Australian Consumer Law or other applicable laws that cannot be lawfully excluded.

You agree to indemnify, defend, and hold harmless MyDosh and its directors, employees, agents, and affiliates from any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising from:

• Your use of the Site
• Your violation of these Terms
• Your violation of any rights of third parties
• Your violation of any applicable laws or regulations

The Site may contain links to third-party websites or services. We do not control, endorse, or assume responsibility for:

• Third-party content, products, or services
• Third-party privacy practices or terms
• The accuracy or reliability of third-party information

Your use of third-party sites is at your own risk and subject to their terms and conditions.

Your use of the Site is subject to our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our data practices.

This Site is intended for users in Australia. We make no representation that the Site or its content is appropriate or available for use in other locations. If you access the Site from outside Australia, you do so at your own risk and are responsible for compliance with local laws.

We reserve the right to modify these Terms at any time. Changes will be effective when:

• Posted on this page with an updated "Last Updated" date
• For material changes, we may notify waitlist members via email

Your continued use of the Site after changes constitutes acceptance of the modified Terms. If you do not agree to the changes, you must stop using the Site.

We reserve the right to:

• Modify, suspend, or discontinue the Site at any time
• Change Site features, content, or availability
• Impose limits on certain features or restrict access

We will not be liable for any modifications, suspensions, or discontinuations.

By You

You may stop using the Site at any time. You may request removal from our waitlist by contacting support@mydosh.com.au .

By Us

We reserve the right to:

• Suspend or terminate your access to the Site at any time
• Remove you from the waitlist for any reason
• Take action if we believe you have violated these Terms

Effect of Termination

Upon termination:

• Your license to use the Site ends immediately
• Provisions that should survive termination will continue (including disclaimers, limitations of liability, and indemnification)

Governing Law

These Terms are governed by the laws of New South Wales, Australia, without regard to conflict of law principles.

Jurisdiction

You agree to submit to the exclusive jurisdiction of the courts located in New South Wales, Australia for resolution of any disputes.

Informal Resolution

Before initiating formal proceedings, you agree to contact us at legal@mydosh.com.au to attempt to resolve the dispute informally.

Time Limit for Claims

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

These future Terms of Service will cover:

• Use of the MyDosh application
• Open Banking connections and data access
• AI-powered financial forecasting features
• Account management and security
• Financial services compliance requirements
• Consumer Data Right (CDR) obligations
• Dispute resolution and arbitration
• Additional disclaimers and limitations

These future Terms of Service will be reviewed by legal counsel and comply with all applicable Australian financial services regulations.

If you have questions about these Terms: