These Terms of Service (“Terms”) are effective as of June 24^th, 2025 and form a legally binding agreement between you (“you,” “your,” or “User”) and Dynamic Needs Analysis Inc. (“DNA,” “we,” “our,” or “us”).

The following additional terms are incorporated by reference and, together with these Terms, form the “Agreement”:

• Our Privacy Policy (most recent version)
• Our Copyright & Complaint Policy (Section 20 of these Terms)
• API & Integration Terms (if and when you use DNA’s API/SDK and such terms are made available)
• Any order forms, pricing pages, statements of work, or similar commercial documents executed between you and DNA

If any incorporated term directly conflicts with these Terms, the more specific document will control with respect to its subject matter.

By accessing or using https://dynamicneedsanalysis.com, any DNA-branded web or mobile application, our application-programming interfaces (“APIs”), or related services (collectively, the “Services”), you:

• confirm that you have read, understand, and agree to this Agreement;
• represent that you are at least 18 years old (or the age of majority where you live, if higher); and
• if you act on behalf of a company or other entity, warrant that you have authority to bind that entity, in which case “you” and “your” refer to that entity.

Subject to your ongoing compliance with this Agreement and payment of applicable fees, DNA grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable licence to access and use the Services for their intended purpose: supporting licensed financial-services professionals in needs analysis, compliance automation, and related workflows.

When you register you must choose (a) an individual account, or (b) a corporate account (e.g., brokerage, MGA).

• For individual accounts, the individual identified during sign-up is the contractual counter-party.
• For corporate accounts, the organization named during sign-up is the contractual counter-party, and the signatory represents that they have authority to bind that organization. Future use by other personnel under that account constitutes ratification of this Agreement by the organization.

In case of any dispute about account ownership, DNA may, in its sole discretion, determine the rightful owner based on available evidence (including billing records, corporate email domain, and administrative permissions).

• Subscription Plans & Pricing. Current plans and pricing are displayed either (a) on the DNA Website, or (b) in a written order form or statement of work that you and DNA have executed.
• Recurring billing. Unless an order form says otherwise, all plans renew automatically at the end of each subscription term. DNA (or its third-party payment processor) will charge the payment method you have on file for the next term’s fees.
• Taxes. Quoted fees are exclusive of any applicable sales, use, value-added, goods-and-services, or similar taxes. You are responsible for paying all such taxes except those based on DNA’s net income.
• Cancellation & Refunds. You may cancel at any time through the in-app billing portal, in which case the subscription will not renew. Except where a mandatory consumer-protection rule provides otherwise, all charges already processed are non-refundable. If a specific provincial, state, or national law grants you a right to a refund, DNA will comply with that law.
• Payment information. You agree to keep your payment details complete and up to date. If a charge is declined, you must provide an alternative payment method within a commercially reasonable time. DNA may suspend or terminate your access to the Services for non-payment.

You agree not to:

• violate any applicable law, regulation, or professional-licensing obligation;
• copy, modify, translate, reverse-engineer, decompile, or create derivative works of the Services except to the limited extent such restrictions are prohibited by law;
• upload or transmit viruses, malware, or other harmful code;
• overload, disable, interfere with, or disrupt the Services or servers;
• harvest or scrape data other than through officially documented APIs;
• share login credentials, register more than one personal account, or impersonate another person or entity;
• post or transmit content that is unlawful, defamatory, obscene, or infringes third-party rights;
• use the Services to generate or distribute unsolicited bulk communications (“spam”).

DNA reserves the right to monitor, remove, or disable any content or access that violates this Agreement, and to pursue all available remedies.

The Services are intended for use by duly licensed financial professionals and their delegates. You are solely responsible for ensuring that your use of the Services complies with:

• provincial, state, and federal insurance regulations;
• privacy and data-protection laws (e.g., PIPEDA, GDPR, CCPA, as applicable); and
• any self-regulatory or carrier-imposed requirements applicable to your practice.

DNA provides tools; it does not replace your professional judgement or statutory duties.

You are responsible for maintaining the confidentiality of all usernames, passwords, and API keys associated with your account. You are liable for all activity that occurs under your account, unless such activity is caused by DNA’s gross negligence or wilful misconduct. Notify DNA immediately of any unauthorized use or security breach.

• Ownership. You retain all rights to content you upload to or generate within the Services (“User Content”).
• Licence to DNA. You grant DNA a worldwide, royalty-free licence to host, reproduce, process, and display User Content for the purpose of providing, maintaining, securing, and improving the Services.
• AI Inputs/Output. Prompts you submit to DNA’s AI-powered features (including any “AI Advisor”) and the generated responses (collectively, “AI Content”) are also considered User Content. DNA may use AI Content—after it is aggregated and de-identified—to improve model performance and the Services.
• Representations. You warrant that you have all necessary rights to upload or submit User Content and that it does not violate any law or third-party right.

The Services may contain links to, or interoperate with, third-party websites, applications, or services. DNA does not endorse and is not responsible for third-party content, policies, or practices. Your dealings with third parties are solely between you and them.

Except for the limited licence expressly granted herein, DNA and its licensors retain all right, title, and interest in and to the Services, including all related software, documentation, trademarks, and copyrights. You shall not remove or obscure any proprietary notices.

• Term. This Agreement commences on the date you first accept it and continues until terminated in accordance with this Section.
• Termination by You. You may terminate this Agreement at any time by closing your account and ceasing all use of the Services.
• Termination or Suspension by DNA. DNA may suspend or terminate the Services (or this Agreement) immediately if you breach any term, if you fail to pay any fees when due, or if required by law or by a regulator. DNA may also discontinue any part of the Services upon reasonable notice where practicable.
• Effect of Termination. Upon termination of this Agreement, your licence to use the Services ceases. DNA will delete your data within 90 days of termination, unless a longer retention period is required or permitted by law, regulation, or a separate written agreement with you. Sections that by their nature should survive (including but not limited to ownership provisions, disclaimers, indemnities, limitations of liability, and dispute-resolution provisions) will survive termination.

• No professional advice. Output from the Services (including any AI-generated content) is for informational purposes only and does not constitute legal, tax, investment, or financial advice. You remain responsible for your own professional advice and compliance.
• “As-Is” Services. The Services are provided “as is” and “as available,” without warranties of any kind, whether express, implied, or statutory, including any implied warranties of merchantability, fitness for a particular purpose, non-infringement, or that the Services will be uninterrupted, error-free, or secure.
• Third-Party Data. The Services may rely on information from carriers, MGAs, and other third parties. DNA is not liable for inaccuracies, omissions, or delays in third-party data feeds.

Some jurisdictions do not allow certain disclaimers, so the above may not apply to you in whole or in part.

To the fullest extent permitted by law:

• DNA’s total aggregate liability arising out of or relating to the Services or this Agreement will not exceed the greater of (a) CAD $100, or (b) the amount you paid DNA in the 12 months preceding the event giving rise to the claim.
• DNA will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenues, goodwill, or data, even if advised of the possibility of such damages.

The foregoing limitations apply to all causes of action, whether based in contract, tort (including negligence), strict liability, or otherwise.

You agree to defend, indemnify, and hold harmless DNA, its officers, directors, employees, and agents from and against any claims, damages, liabilities, costs, and expenses (including reasonable legal fees) arising out of or related to: (a) your use of the Services; (b) your breach of this Agreement; or (c) your violation of any law or third-party right.

This Agreement and any dispute or claim arising out of or relating to it or the Services will be governed by the laws of the Province of British Columbia and the federal laws of Canada applicable therein, without regard to conflict-of-laws principles.

You and DNA agree to submit to the exclusive jurisdiction of the courts located in Vancouver, British Columbia, Canada, and waive any objection to such courts on the grounds of venue or forum non conveniens.

DNA may modify these Terms by posting an updated version on the Website or by notifying you via email or in-app notice. Unless a later effective date is specified, changes are effective:

• immediately for new users; and
• 30 days after notice for existing users.

Your continued use of the Services after the effective date of any changes constitutes your acceptance of the updated Terms.

• Severability. If any provision of this Agreement is held unenforceable, it will be modified to the minimum extent necessary to make it enforceable, and the remainder will remain in full force and effect.
• No waiver. DNA’s failure to enforce any provision of this Agreement does not constitute a waiver of that provision or any other provision.
• Assignment. You may not assign or transfer this Agreement, in whole or in part, without DNA’s prior written consent. DNA may assign or transfer its rights and obligations under this Agreement without restriction.
• Force Majeure. DNA is not liable for any delay or failure in performance resulting from events beyond its reasonable control, including acts of God, labour disputes, internet failures, third-party service outages, or government actions.
• Entire agreement. This Agreement (including the documents incorporated by reference) constitutes the entire agreement between you and DNA regarding the Services and supersedes all prior agreements and understandings relating to the same subject matter.

DNA respects intellectual-property rights. If you believe that content on the Services infringes your copyright or other rights, please send a written notice to legal@dynamicneedsanalysis.com containing:

• your physical or electronic signature;
• identification of the copyrighted work or other right you claim is infringed;
• identification of the material you believe is infringing (such as a URL or screenshot);
• your contact information (name, address, telephone number, and email address);
• a statement that you have a good-faith belief that the disputed use is not authorized by the rights owner, its agent, or the law; and
• a statement, made under penalty of perjury, that the information in your notice is accurate and that you are the rights owner or authorized to act on the owner’s behalf.

DNA will respond in accordance with applicable Canadian and international law.

Questions or concerns about these Terms? Email legal@dynamicneedsanalysis.com or write to us at the registered office in Section 2.