Terms and Conditions
Please read these terms carefully before using our website
Introduction
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.
About MyDosh
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.
Use of This Site
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
Intellectual Property
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.
Waitlist Registration
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)
Disclaimers
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
Limitation of Liability
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
Our total liability to you for any claims arising from your use of the Site shall not exceed $100 AUD or the amount you paid to us (if any), whichever is greater.
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.
Indemnification
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
Third-Party Links and Services
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.
Privacy
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.
Geographic Restrictions
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.
Modifications to Terms
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.
Modifications to 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.
Termination
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)
Dispute Resolution
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
General Provisions
Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and MyDosh regarding the Site.
Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.
Waiver
Our failure to enforce any right or provision of these Terms will not constitute a waiver of that right or provision.
Assignment
You may not assign or transfer these Terms without our prior written consent. We may assign these Terms without restriction.
No Agency
Nothing in these Terms creates a partnership, joint venture, employment, or agency relationship between you and MyDosh.
Force Majeure
We will not be liable for any failure or delay in performance due to circumstances beyond our reasonable control.
Section headings are for convenience only and do not affect interpretation of these Terms.
Future Terms of Service
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.
Contact Us
If you have questions about these Terms:
Australian Consumer Law Notice
Under the Australian Consumer Law (ACL), consumers have certain rights and guarantees that cannot be excluded, including:
- Guarantees relating to the supply of goods and services
- Rights to refunds, repairs, or replacements for faulty goods
- Protection against misleading or deceptive conduct
- Protections against unfair contract terms
Nothing in these Terms is intended to exclude, restrict, or modify any rights you may have under the ACL or other consumer protection laws that cannot be lawfully excluded.
For more information about your consumer rights, visit the Australian Competition and Consumer Commission (ACCC).