Terms of Service

1. Acceptance of Terms

Welcome to DynaTax AI. By accessing or using our platform, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use our services.

These Terms constitute a legally binding agreement between you and DynaTax AI Inc. ("DynaTax AI," "we," "us," or "our").

2. Beta Program Terms

2.1 Feature Availability

DynaTax AI Beta V1 (launching December 22, 2025) includes:

• AI Transaction Categorization
• Bank Synchronization (Plaid)
• Receipt OCR & Auto-Matching
• AI Tax Chat (Pocket CFO)
• AI Tax Research (Pro Edition)
• Document Management
• Basic Financial Reports (P&L, Balance Sheet)

The following features are planned for v1.0 GA (Target: Q1 2026):

• CPA Marketplace (browse & hire professionals)
• Client-Professional Messaging
• Firm Management & Team Collaboration
• Projects & Task Management
• CPA-Accurate Financial Reports

Feature timelines are estimates and subject to change. DynaTax AI makes no guarantee regarding specific launch dates for future features.

2.2 Lifetime Access Definition

"Lifetime" access means access for as long as the DynaTax AI platform operates commercially under current ownership. This term specifically means:

• Platform Lifetime: Access continues for the operational lifetime of DynaTax AI, not the lifetime of the customer
• Ownership Changes: In the event of acquisition, merger, or sale of DynaTax AI, the acquiring entity will honor existing Founder agreements or provide pro-rated refunds
• Product Changes: If DynaTax AI significantly changes, discontinues, or replaces the platform with a new product, Founders will receive equivalent access to the replacement product or pro-rated refunds

If the platform is discontinued:

• Customers will receive minimum 12 months advance notice
• Pro-rated refunds calculated based on a 10-year expected service period from purchase date
• Data export tools will be provided to retrieve all your information
• Reasonable efforts will be made to migrate users to alternative services

2.3 Pricing Lock & Future Features

Founder pricing is locked for existing customers:

• Business Edition: $499 one-time payment (locked)
• Pro Edition: $997 one-time payment (locked)

All future features and updates are included at no additional cost. DynaTax AI reserves the right to offer optional premium add-ons or services at additional cost, which Founders may choose to purchase but are not required to.

2.4 30-Day Money-Back Guarantee

Founder's Circle purchases include a 30-day money-back guarantee:

• Guarantee Period: Begins December 22, 2025 (Beta V1 launch date), not purchase date
• Guarantee Ends: January 21, 2026
• How to Request: Email support@dynatax.ai with "Founder Refund" in subject line
• Processing Time: Refunds processed within 5-7 business days to original payment method
• No Questions Asked: Full refund with no explanation required

2.5 Marketplace Commission (When Available)

When the CPA Marketplace launches (planned Q1 2026), the following commission structure applies:

• Your Existing Clients: 0% commission for clients you invite to the platform
• Marketplace-Acquired Clients: 15% commission on Year 1 revenue only
• Year 2 and Beyond: 0% commission for all clients

Founders who purchase before Beta V1 launch (December 22, 2025) lock in these commission rates permanently. Commission rates for future non-Founder users may differ.

2.6 Founder Usage Limits

Founder's Circle lifetime access includes specific usage limits. "Lifetime access" does not mean "unlimited usage."

2.7 Founder Add-On Pricing

Founders receive permanent 50% discounts on additional capacity and add-ons:

• Additional Seat (Business): $15/month (regular: $29/month)
• Additional Seat (Pro): $40/month (regular: $67/month)
• Extra 500 Transactions: $10/month (regular: $20/month)
• Extra 50 AI Queries: $8/month (regular: $15/month)
• Extra 25GB Storage: $5/month (regular: $10/month)

3. Description of Services

DynaTax AI is a Technology Marketplace Platform, NOT a Tax Preparation Service

DynaTax AI provides:

• AI-powered document processing and financial data categorization
• A marketplace platform connecting business clients with independent licensed tax professionals (CPAs, Enrolled Agents, Tax Attorneys)
• Technology tools for document management, bank account integration, and AI-generated insights
• Export functionality allowing tax professionals to download client data to external tax preparation software (Drake, ProSeries, Lacerte, etc.)

DynaTax AI Does NOT:

• Prepare tax returns
• File tax returns with the IRS or state tax authorities
• Provide tax, legal, or accounting advice
• Employ or control tax professionals (they are independent contractors)
• Guarantee accuracy of AI-generated suggestions or categorizations

4. Professional Relationship Disclaimer

Tax professionals on DynaTax:

• Are independent contractors, not DynaTax employees
• Maintain their own professional licenses and liability insurance
• Execute separate engagement agreements directly with clients
• Are solely responsible for the quality and accuracy of their work
• File tax returns externally using their own IRS e-file provider credentials

DynaTax performs background checks and license verification through third-party services (Veriff), but is not responsible for professional malpractice, errors, omissions, or any actions taken by independent professionals.

5. AI-Generated Content Disclaimer

You acknowledge and agree that:

• AI suggestions are not guaranteed to be accurate, complete, or appropriate for your situation
• AI fee estimates are preliminary only and may differ from professional's final pricing
• Professional review is required before filing any tax return
• You are responsible for providing accurate data to AI processing systems
• DynaTax is not liable for tax penalties, interest, or liabilities resulting from AI suggestions

6. User Responsibilities

You agree to:

• Provide Accurate Information: Supply complete, accurate, and truthful information and documents
• Maintain Account Security: Protect your login credentials and notify us immediately of unauthorized access
• Timely Responses: Respond to professional requests for information within reasonable timeframes
• Payment Obligations: Pay all subscription fees, professional fees, and charges when due
• Compliance: Comply with all applicable tax laws and regulations
• Prohibited Use: Not use the platform for fraudulent, illegal, or unauthorized purposes
• Data Accuracy: Verify all AI-generated categorizations and suggestions before final submission

7. Payment Terms

7.1 Subscription Fees

Client and Professional subscriptions are billed monthly or annually as selected. All fees are in U.S. Dollars and processed through Stripe. By subscribing, you authorize automatic recurring charges.

7.2 Professional Service Fees

Tax preparation fees are between you and the professional. DynaTax facilitates payment processing but is not party to the fee agreement. Refund requests for professional services must be directed to the professional per your engagement agreement.

7.3 Refunds

Subscription fees are non-refundable for partial months. See our Refund Policy for details.

8. Limitation of Liability

• Tax penalties, interest, or liabilities assessed by IRS or state authorities
• Professional malpractice or errors by independent tax professionals
• Lost profits, revenue, or business opportunities
• Data loss or corruption
• AI suggestion errors or inaccuracies
• Delays in tax filing or processing

Maximum Liability: Our total liability to you for any claim arising from use of DynaTax shall not exceed the amount you paid to DynaTax in subscription fees during the twelve (12) months preceding the claim, or $100, whichever is greater.

9. Indemnification

You agree to indemnify, defend, and hold harmless DynaTax, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your use of the platform
• Your violation of these Terms
• Your violation of any law or regulation
• Inaccurate information you provide
• Tax liabilities, penalties, or interest assessed on your returns
• Disputes with professionals you engage through the platform

10. Intellectual Property & Trademarks

DynaTax AI Ownership: DynaTax AI Inc. owns all rights to the platform, AI models, algorithms, software, trademarks, logos, and content (excluding user content).

Your Content: You retain ownership of documents, receipts, and financial data you upload. By uploading, you grant DynaTax AI a license to process, store, and transmit your content to provide services.

AI-Generated Content: AI-generated insights and categorizations are provided for your use. DynaTax AI makes no claim of ownership over AI output. AI output may not be copyrightable under current law.

11. Termination

By You: You may cancel your subscription at any time from account settings. Cancellation takes effect at the end of the current billing period.

By DynaTax: We may suspend or terminate your account immediately if you:

• Violate these Terms
• Provide fraudulent information
• Engage in illegal activity
• Fail to pay fees when due
• Abuse or harass professionals or support staff

Upon termination, your data will be retained per our Privacy Policy(7 years for tax records, then deleted).

12. Dispute Resolution & Arbitration

Arbitration Rules: Disputes will be resolved through JAMS arbitration under JAMS Streamlined Arbitration Rules.

Class Action Waiver: You agree to arbitrate disputes individually and waive any right to participate in class action lawsuits or class-wide arbitration.

Opt-Out: You may opt out of arbitration within 30 days of account creation by emailing legal@dynatax.ai with "Arbitration Opt-Out" in the subject line.

13. Governing Law

These Terms are governed by the laws of the State of Delaware, USA, without regard to conflict of law principles. Any arbitration or court proceedings shall take place in Delaware.

14. Changes to Terms

We may modify these Terms at any time. Material changes will be notified via email 30 days before taking effect. Continued use of the platform after changes constitutes acceptance of modified Terms.

15. Severability

If any provision of these Terms is found invalid or unenforceable, the remaining provisions shall remain in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy and Refund Policy, constitute the entire agreement between you and DynaTax regarding use of the platform.

17. Contact Information

For questions about these Terms, contact us at: