1. Effective Date

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”).

2. Who We Are & How to Contact Us

3. Incorporated Documents

The following additional terms are incorporated by reference and collectively referred to as the “Agreement”:

• Privacy Policy (most recent version)

• Copyright & Complaint Policy (Section 25)

• API & Integration Terms (if you use DNA’s API/SDK)

• Any order forms, pricing pages, or statements of work executed between you and DNA

If any incorporated term conflicts with these Terms, the specific document will control over its subject matter.

4. Acceptance of the Agreement

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.

If you do not agree with any part of this Agreement, do not access or use the Services.

5. License & Account Types

5.1 License Grant

Subject to your ongoing compliance 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.

5.2 Account Creation

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

• The individual identified during sign-up is the contractual counter-party for personal accounts.

• The organization named during sign-up is the contractual counter-party for corporate accounts, and the signatory represents that they have binding authority. Future use by other personnel constitutes ratification of this Agreement.

DNA may, in its sole discretion, determine rightful account ownership in case of dispute.

6. Fees, Subscriptions & Payments

• 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 placed 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.

7. Acceptable Use & Restrictions

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.

8. Eligibility & Regulatory Compliance

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

• provincial, state, and federal insurance regulations;

• privacy and data-protection laws (e.g., PIPEDA, GDPR, CCPA), 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.

9. Credentials & Security

Keep all usernames, passwords, and API keys confidential. You are liable for activity on your account unless caused by DNA’s gross negligence or wilful misconduct. Notify DNA immediately of any unauthorized use or security breach.

10. User Content & Submissions

• Ownership. You retain all rights to content you upload (“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, and improving the Services.

• Marketing Consent Records – 5 years (legal bAI Inputs/Outputs. Prompts you submit to DNA’s 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.urden of proof).

• Representations. You warrant that you have all necessary rights to upload User Content and that it does not violate any law or third-party right.

11. Third‑Party Links & Integrations

The Services may contain links to, or interoperate with, third‑party sites and software. 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.

12. Intellectual Property

Except for the limited license 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.

13. Term & Termination

• Term. This Agreement commences on the date you first accept it and continues until terminated.

• Termination by You. You may terminate at any time by closing your account.

• Termination by DNA. DNA may suspend or terminate the Services (or this Agreement) immediately if you breach any term or if required by law.

• Effect of Termination. Upon termination, your licence ceases and DNA will delete your data within 90 days, unless otherwise required by law. Sections that by their nature should survive (e.g., disclaimers, IP, indemnity, limitation of liability, dispute resolution) shall survive.

14. Disclaimers

• No professional advice. Output from the Services (including AI Advisor responses) is for informational purposes only and does not constitute legal, tax, or financial advice.

• “As-Is.” The Services are provided as is and as available, without warranties of any kind, whether express, implied, or statutory, including merchantability, fitness for a particular purpose, non-infringement, or that the Services will be uninterrupted, error-free, or secure.
  

• Third-Party Data. DNA relies on information from carriers, MGAs, and other third parties. DNA is not liable for inaccuracies 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.

15. Limitation of Liability

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 claim.

• DNA will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost 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.

16. Indemnification

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.

17. Dispute Resolution & Governing Law

18. Changes to These Terms

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 date is specified, changes are effective immediately for new users and 30 days after notice for existing users. Continued use after the effective date constitutes acceptance.

19. General

• Severability. If any provision is held unenforceable, it will be modified to the minimum extent necessary, and the remainder will remain in full force.

• No waiver. DNA’s failure to enforce any provision is not a waiver of future enforcement.

• Assignment. You may not assign this Agreement without DNA’s prior written consent. DNA may assign its rights and obligations freely.

• Force Majeure. DNA is not liable for delays or failures caused by events beyond its reasonable control.

• Entire agreement. This Agreement constitutes the entire agreement between you and DNA regarding the Services and supersedes all prior agreements.

20. Copyright & Complaint Policy (DMCA‑Equivalent)

Some jurisdictions do not aDNA respects intellectual-property rights. If you believe content on the Services infringes your copyright or other rights, please send a notice to legal@dynamicneedsanalysis.com containing:
llow certain disclaimers, so the above may not apply to you in whole or in part.

• your physical / electronic signature;

• identification of the copyrighted work or other right you claim is infringed;
  

• identification of the material you believe is infringing (URL or screenshot);

• your contact information;
  

• a statement of good-faith belief that the use is not authorized; and
  

• a statement, under penalty of perjury, that the notice is accurate and you are authorized to act.
  

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

21. Contact

Questions or concerns? Email terms@dynamicneedsanalysis.com or write to us at the address in Section 2.