DOSHly — Terms and Conditions

1. AGREEMENT TO TERMS

These Terms of Service constitute a legally binding agreement between you ("you", "user") and DOSHly ("DOSHly", "we", "us", "our"), concerning your access to and use of the DOSHly mobile and web application (the "App"). By creating an account or using the App, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must discontinue use immediately. We reserve the right to update these Terms at any time. We will notify you of material changes via email or in-app notification. Continued use of the App after changes constitutes acceptance.

2. ELIGIBILITY

You must be at least 18 years of age to use DOSHly. By using the App you confirm you meet this requirement. If you are under 18 you must have verifiable parental or guardian consent.

3. ACCOUNT REGISTRATION

You agree to provide accurate, current and complete information when creating your account. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. Notify us immediately at doshly.app@gmail.com if you suspect unauthorised access.

4. SUBSCRIPTION PLANS AND BILLING

DOSHly offers the following plans:

Tier 1 — Free: Access to transaction logging and the Overview screen only.

Tier 2 — Premium ($6.99/month or $69.99/year): Full access to all features including Budgets, Bills, Trends, Categories, Notifications and AI Insights. Does not include DOSHly Coach.

Tier 3 — Premium Plus ($9.99/month or $99.99/year): Full access to all features including DOSHly Coach AI chat functionality. Includes a 100 message per month limit on DOSHly Coach. Unused messages do not roll over.

Free Trial: All new users receive a 14-day free trial with full Tier 3 access. No payment is required during the trial. At the end of the trial you will have 3 days to select a plan before your account automatically reverts to Tier 1 Free.

Billing: Subscriptions are billed in advance on a monthly or annual basis via Stripe. By subscribing you authorise us to charge your nominated payment method on a recurring basis.

Cancellation: You may cancel at any time. Cancellation takes effect at the end of your current billing period. You will retain access to paid features until that date.

Downgrades: If you downgrade from a higher tier to a lower tier, the change takes effect at the end of your current billing period.

Refunds: Monthly subscriptions are non-refundable. Annual subscriptions are non-refundable once purchased. We reserve the right to make exceptions at our sole discretion.

Price changes: We reserve the right to change pricing with 30 days notice to existing subscribers.

Plan switching and proration: When switching from a monthly to an annual plan, your annual subscription begins on the date of the switch. Any unused portion of your current monthly billing period will be credited toward your annual plan cost. When downgrading from a higher tier to a lower tier, the change takes effect at the end of your current billing period and any price difference will not be refunded for the remaining period.

5. AI FEATURES — IMPORTANT DISCLAIMER

DOSHly includes AI-powered features, including AI Insights and DOSHly Coach, which are powered by Anthropic's Claude API. These features are provided for general informational and educational purposes only.

DOSHly Coach and AI Insights are not a substitute for professional financial advice. Nothing generated by DOSHly's AI features constitutes financial advice, investment advice, tax advice, legal advice, or any other form of professional advice regulated under Australian law or any other jurisdiction. DOSHly is not a licensed financial adviser and does not hold an Australian Financial Services Licence. You should always seek advice from a qualified and licensed financial adviser, accountant, or other appropriate professional before making any significant financial decision.

AI-generated content may be inaccurate, incomplete, out of date, or unsuitable for your individual circumstances. We make no warranty that any AI-generated insight or coach response is accurate, complete, current, or appropriate for you, and you should independently verify any information before relying on it.

By using DOSHly's AI features, you acknowledge and agree that: you will not rely solely on AI-generated content when making financial decisions; AI responses are generated by a third-party AI provider (Anthropic) and are subject to that provider's capabilities and limitations; and that, to the maximum extent permitted by law, DOSHly is not liable for any loss or damage arising from your use of, or reliance on, the AI features. Nothing in these terms excludes, restricts, or modifies any consumer guarantee, right, or remedy you may have under the Australian Consumer Law or any other law that cannot lawfully be excluded.

6. DATA STORAGE AND THIRD-PARTY SERVICES

Your data is stored securely with Supabase on servers located in Singapore — one of the world's leading data protection jurisdictions. Singapore's Personal Data Protection Act (PDPA) provides robust protections equivalent to Australian privacy standards.

DOSHly's AI features are powered by Anthropic's Claude API. When you use AI Insights or DOSHly Coach, relevant summaries of your financial data (not your full raw records) are transmitted to Anthropic's API for processing.

Under Anthropic's commercial terms, inputs and outputs sent to the Anthropic API are generally deleted from Anthropic's systems within 30 days of receipt or generation, are not used to train Anthropic's AI models, and are not sold. Longer retention may apply in limited circumstances — for example, where content is flagged under Anthropic's Usage Policy, where a feature with longer retention is used, or where retention is required to comply with the law.

Anthropic processes this data as a service provider on our behalf and may use vetted sub-processors under its Data Processing Addendum. Anthropic is located in the United States, which means that by using DOSHly's AI features your information is disclosed to, and processed by, a recipient located overseas. We take reasonable steps to ensure your information is handled securely and in accordance with our Privacy Policy.

For full details of how Anthropic handles data, see anthropic.com/privacy and anthropic.com/legal/commercial-terms. Supabase's privacy policy is available at supabase.com/privacy. We never sell your personal or financial data to any third party. We do not use your data for advertising purposes.

7. INTELLECTUAL PROPERTY

The DOSHly app, including its design, features, branding, code and content, is owned by DOSHly and protected by applicable intellectual property laws. You may not copy, reproduce, distribute or create derivative works from any part of the App without our express written permission. Your financial data entered into the App remains your property at all times.

8. ACCEPTABLE USE

You agree not to: use the App for any unlawful purpose; attempt to reverse engineer, decompile or tamper with the App; share your account credentials with others; use the App to store or transmit malicious code; misuse the AI features to generate harmful, misleading or fraudulent financial information; attempt to circumvent subscription paywalls through technical means.

9. PRIVACY

Your privacy is important to us. Our full Privacy Policy is available within the App and at doshly.com.au/privacy. By using the App you agree to the collection and use of your information as described in our Privacy Policy. In accordance with the Australian Privacy Act 1988 and the Australian Privacy Principles (APPs) we are committed to handling your personal information responsibly and transparently.

10. DATA SECURITY

We implement industry-standard security measures to protect your data including encrypted data transmission, row-level security on our database, and secure authentication via Supabase Auth. However no system is completely secure and we cannot guarantee absolute security. You use the App at your own risk.

11. DISCLAIMERS AND LIMITATION OF LIABILITY

The App is provided on an "as is" and "as available" basis. To the maximum extent permitted by Australian law we disclaim all warranties express or implied. We are not liable for: any financial loss arising from your use of or reliance on the App or its AI features; data loss or corruption; service interruptions or downtime; errors or inaccuracies in AI-generated content; any indirect, incidental, special or consequential damages. Our total liability to you for any claim arising from your use of the App is limited to the amount you paid us in the 6 months preceding the claim.

12. TERMINATION

We reserve the right to suspend or terminate your account at any time if you breach these Terms. You may delete your account at any time from within the App. Upon account deletion your data will be removed from our systems within 30 days.

13. GOVERNING LAW

These Terms are governed by the laws of New South Wales, Australia. Any disputes will be subject to the exclusive jurisdiction of the courts of New South Wales.

14. CONTACT US

Email: doshly.app@gmail.com

Website: doshly.com.au