Terms of Service

1. Agreement to Terms

Welcome to GoldMind. These Terms of Service (“Terms”) govern your access to and use of the GoldMind mobile application (“App”), website, and related services (collectively, the “Service”) operated by GoldMind (“we”, “us”, or “our”).

By downloading, installing, or using the App, you agree to be bound by these Terms. If you do not agree to these Terms, do not use the Service.

Plain English: By using GoldMind, you agree to follow these rules. If you don't agree, please don't use the app.

2. Description of Service

GoldMind is a mobile application and behavioural-awareness journal. It gives you a 30-second daily check-in and maps the cognitive biases behind the spending you log, grounded in peer-reviewed behavioural-finance research. The Service includes:

• A daily check-in and manual spending journal
• Bias mapping of your entries using our BFAS-mapped algorithm
• Insights, monthly reviews, and end-of-week reflections
• Bias lessons and educational content on behavioural finance
• The MoneyMind quiz and your resulting bias profile
• Progress tracking, streaks, and daily missions

GoldMind does not connect to your bank, import transactions, or access any external data source about you. You type in every entry yourself.

3. Eligibility

To use GoldMind, you must:

• Be at least 13 years of age
• Have the legal capacity to enter into a binding agreement
• Not be prohibited from using the Service under any applicable law
• Provide accurate and complete registration information

The Service is designed for adults managing their own money, and for students and professionals building financial self-awareness. By using the Service, you represent and warrant that you meet these eligibility requirements.

4. User Accounts

4.1 Account Creation

To access certain features of the Service, you must create an account. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate.

4.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to:

• Create a strong, unique password for your account
• Not share your account credentials with any third party
• Notify us immediately of any unauthorised access or use of your account
• Log out of your account at the end of each session on shared devices

4.3 Account Termination

You may delete your account at any time by contacting us at infogoldmind@gmail.com. We reserve the right to suspend or terminate your account if you violate these Terms.

5. Acceptable Use

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree NOT to:

• Use the Service for any illegal or unauthorised purpose
• Attempt to gain unauthorised access to any part of the Service, other accounts, or computer systems
• Interfere with or disrupt the Service or servers connected to the Service
• Use any automated means (bots, scrapers, crawlers) to access the Service without our express written permission
• Reverse engineer, decompile, or disassemble any part of the Service
• Remove, alter, or obscure any proprietary notices from the Service
• Use the Service to transmit viruses, malware, or other harmful code
• Harass, abuse, or harm other users of the Service
• Violate any applicable laws or regulations
• Redistribute, resell, or commercially exploit the Service without authorisation
• Attempt to bypass paywalls, trial limits, or subscription checks

6. Intellectual Property

6.1 Our Intellectual Property

The Service, including its original content, features, functionality, design, and branding, is owned by GoldMind and is protected by international copyright, trademark, patent, and other intellectual property laws.

The GoldMind name, the Nudge character, the BFAS-mapped algorithm, our design system, and all related names, logos, product and service names, designs, and slogans are trademarks of GoldMind. You may not use such marks without our prior written permission.

6.2 Third-Party Research We Cite

GoldMind's educational content refers to published behavioural-finance research, including the BFAS framework and the academic papers cited in the app. Those papers and their content remain the intellectual property of their respective authors, publishers, and rights holders. We cite them by title, author, and DOI; we do not host, reproduce, or redistribute copyrighted full-text papers.

Our lesson text, summaries, and explanations are our own work, created for educational purposes. We claim no ownership of the underlying research.

6.3 Your Content

Any content you submit, post, or display through the Service (such as saved papers, notes, entries, or preferences) remains your property. By submitting content, you grant us a non-exclusive, worldwide, royalty-free licence to use, store, and display such content solely for the purpose of providing the Service.

If you submit feedback, ideas, or feature requests, you grant us a non-exclusive, royalty-free licence to use them, which means we may build what you suggest without owing you anything.

7. Algorithmic Output and Accuracy

GoldMind maps your logged spending to cognitive biases using our BFAS-mapped algorithm. You acknowledge and agree that:

• No Guarantee of Accuracy: Bias mappings are heuristics built on general research findings. They may be wrong about you, and they depend entirely on what you choose to log.
• Not Professional Advice: The content provided is for informational and educational purposes only. It does not constitute medical, legal, financial, or other professional advice.
• Not a Diagnosis: A bias label is a prompt for reflection, not a clinical, psychological, or financial assessment of you or your behaviour.
• Continuous Improvement: We continuously refine the algorithm and the lesson content, but perfect accuracy cannot be guaranteed.

Important: GoldMind is a mirror, not an adviser. For any decision that matters financially, speak to a licensed financial adviser.

8. Third-Party Services and Data Sharing

The Service integrates with and relies on third-party services including:

• Infrastructure: Supabase for authentication and data storage; Vercel for website hosting
• Payments: Apple (App Store) for payment processing and RevenueCat for receipt validation and subscription status
• Website Forms and Feedback: Formspree for the waitlist form and Canny for the public feedback board

This is the complete list. GoldMind holds no connection or credential to any other external data source, and it does not scrape websites, import bank transactions, or query any third-party authority about you.

These providers receive only the minimum data necessary to perform their services. We do not sell, trade, or rent your personal information. A full description of what each provider receives and how long data is retained is set out in our Privacy Policy.

Your use of these third-party services is subject to their respective terms of service and privacy policies. We are not responsible for the content, accuracy, or practices of third-party services.

9. Subscription and Payments

9.1 Free and Paid Features

GoldMind offers both free and premium features. Certain features may require a paid subscription. Pricing, features, and subscription tiers are subject to change with reasonable notice.

9.2 Current Pricing

Monthly subscriptions ($9.99/mo USD during the entry window, available until public launch; $14.99/mo thereafter) auto-renew monthly until cancelled. Annual subscriptions ($99/yr USD during the entry window, available until public launch; $149/yr thereafter) auto-renew yearly until cancelled. In each case, access continues until the end of the current billing period.

Lifetime access ($149 USD one-time during the entry window, capped at the first 20 buyers; $299 at public launch) is a single up-front payment with no recurring charges. We will close the lifetime tier once 20 founder seats are sold; the published entry price is honoured for the buyer's lifetime of the product.

9.3 Payment Terms

If you purchase a subscription, you agree to pay all applicable fees. Payments are processed through the Apple App Store, and Apple's payment terms apply. We never receive or store your card number, billing address, or any other payment credential. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period.

9.4 Cancellation and Refunds

You may cancel your subscription at any time through your Apple ID subscription settings. Cancellation is handled by Apple, not by us, and it takes effect at the end of the current billing period.

Refunds through the App Store are handled according to Apple's policies. In addition, we operate our own Refund Policy covering accidental charges, un-shipped tier features, and a 30-day no-questions window on Lifetime. Nothing in this section limits your rights to a remedy under the Australian Consumer Law.

10. Financial Disclaimer

GoldMind is general financial-awareness software and a behavioural-awareness journal. It is not personal financial advice, a financial product, or a recommendation to acquire or dispose of any financial product.

We do not hold an Australian Financial Services Licence (AFSL), and we do not provide financial product recommendations. Nothing in the app or on this website takes into account your objectives, financial situation, or needs. If you need personal financial advice, please consult a licensed financial adviser.

All entries in the app are created by you, manually. We do not connect to your bank, read your card statements, or request data under the Consumer Data Right (CDR). We do not collect bank statements, transaction feeds, credit reports, or holdings. Any decision you make about your money remains your own responsibility.

11. Disclaimer of Warranties

THE SERVICE 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, and non-infringement
• Warranties that the Service will be uninterrupted, secure, or error-free
• Warranties regarding the accuracy, reliability, or completeness of any content
• Warranties that defects will be corrected or that the Service is free of viruses or harmful components

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you.

Australian Consumer Law. Nothing in these Terms excludes, restricts, or modifies any consumer guarantee, right, or remedy that cannot be excluded under the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)). Where our liability cannot be excluded, it is limited, at our option, to resupplying the Service or paying the cost of having it resupplied.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, GOLDMIND AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Loss of profits, data, use, or goodwill
• Damages resulting from your access to or use of the Service
• Damages resulting from any unauthorised access to our servers or your personal information
• Damages resulting from any interruption or cessation of the Service
• Damages resulting from any bugs, viruses, or similar issues

In no event shall our total liability exceed the amount you paid to us, if any, in the twelve (12) months preceding the claim, or AUD $100, whichever is greater. This limitation is subject to section 11 and does not apply to liability that cannot be limited under the Australian Consumer Law.

13. Indemnification

You agree to indemnify, defend, and hold harmless GoldMind and its officers, directors, employees, contractors, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising out of or relating to:

• Your use of the Service
• Your violation of these Terms
• Your violation of any rights of another party
• Any content you submit or transmit through the Service

14. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms within the App and updating the “Last Updated” date. Your continued use of the Service after any changes constitutes your acceptance of the new Terms.

We encourage you to review these Terms periodically. If you do not agree to the modified Terms, you should discontinue use of the Service.

15. Governing Law and Dispute Resolution

15.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of Victoria, Australia, without regard to its conflict of law provisions.

15.2 Dispute Resolution

Any dispute arising out of or relating to these Terms or the Service shall first be attempted to be resolved through good faith negotiation. If the dispute cannot be resolved through negotiation within thirty (30) days, either party may initiate legal proceedings.

15.3 Jurisdiction

You agree to submit to the exclusive jurisdiction of the courts of Victoria, Australia, for the resolution of any disputes, except where a non-excludable consumer protection forum applies.

16. General Provisions

• Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and GoldMind regarding the Service.
• Severability: If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
• Waiver: Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.
• Assignment: You may not assign or transfer these Terms without our prior written consent. We may assign our rights and obligations without restriction.
• No Partnership: Nothing in these Terms creates a partnership, joint venture, or agency relationship between you and GoldMind.

17. Contact Us

If you have any questions about these Terms of Service, please contact us:

Developer: Arabella Haythorpe

Email: infogoldmind@gmail.com

Website: mygoldmind.vercel.app

Location: Melbourne, Victoria, Australia