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Adviser Terms of Service

Effective 25 August 2026  ·  Saywell is a product of PsycFin Pty Ltd (ABN 81 697 454 345), Australia

1. Agreement and acceptance

These Terms of Service are a contract between PsycFin Pty Ltd (ABN 81 697 454 345), the Australian company that provides the Saywell product (PsycFin, we, us), and the adviser firm, sole-practitioner business or other legal entity identified at signup or checkout (Customer, you). Saywell is a product of PsycFin. It is not a separate legal entity or a business name used by PsycFin.

The person accepting these Terms confirms that they are at least 18 years old and authorised to bind the Customer. Acceptance occurs when that person affirmatively agrees during signup or checkout. We record the accepted version, date, time, account and acceptance method.

If a sole practitioner subscribes, the Customer is the legal person or business entity through which the practice operates. Individual advisers and staff who use the Service for a Customer are Authorised Users. The Customer is responsible for its Authorised Users and their compliance with these Terms.

2. Eligibility and permitted markets

During beta and until PsycFin announces broader availability, the Service is available only to:

• financial-adviser firms established in the United States, for work involving clients resident in the United States; and

• financial-adviser firms established in Australia, for work involving clients resident in Australia.

The Service is not directed to firms or clients in the United Kingdom, European Union or European Economic Area. The Customer must not enter personal information about a person located in any of those places or use the Service for that person. PsycFin may require an eligibility declaration and reasonable information confirming the Customer’s location.

The Customer must be legally permitted to provide financial-advisory services in its jurisdiction. PsycFin does not verify, endorse or assume responsibility for the Customer’s licence, registration or professional standing.

3. What Saywell provides

Saywell assists Authorised Users to prepare draft client emails, text messages and related communication materials using information supplied by the Customer, the adviser’s communication style and available information about how a client prefers to receive information.

Drafts only. Saywell produces drafts for adviser review. It does not send communications to clients, decide what the Customer should advise, or know the complete circumstances of any adviser-client relationship. A draft is not a final communication and must not be treated as one.

Not professional advice. PsycFin is not a financial adviser, investment adviser, broker, tax adviser, law firm, compliance consultant, psychologist or health professional. The Service does not independently determine or validate financial, investment, tax, legal, compliance, psychological or clinical advice. No Output is advice from PsycFin.

AI limitations. Saywell uses artificial intelligence. Outputs may be inaccurate, incomplete, outdated, unsuitable, biased, non-unique or inconsistent, even when they appear confident or polished. Regeneration or editing does not guarantee correctness. The Customer must use professional judgment and independently verify every Output before use.

4. Accounts, seats and access

The Customer receives access for the number of paid adviser seats shown in its account or order. Each adviser seat is for one named Authorised User and must not be shared. The Customer must keep account information accurate, protect login credentials and promptly notify PsycFin of suspected unauthorised access.

The Customer may add, remove or reassign seats by contacting support. Where a seat change would end the subscription entirely, the online cancellation process in section 8 applies. Any price and effective date for a seat change must be shown or confirmed before the change is completed. Removing a seat does not delete the Customer’s records and does not create a retrospective refund.

PsycFin may require reasonable identity, firm or authority verification. Multi-factor authentication is committed for availability from public launch on 21 September 2026. Until then, the Customer must use unique, strong passwords and verified email accounts.

5. Subscription paths

5.1 Beta invitation

An invited Customer may receive its first ten weeks for a total of USD $10 per participating adviser seat, as shown at checkout. A payment method is required. This offer replaces, and does not combine with, any free trial or referral benefit. Unless cancelled before the beta period ends, each continuing seat converts to the standard monthly price stated at checkout. PsycFin will provide a reminder before the first standard monthly charge.

5.2 Standard trial

An eligible Customer may receive a 14-day free trial without providing a payment method. The trial ends without charge unless the Customer affirmatively adds a payment method and chooses a paid subscription. Silence or inaction does not authorise a charge.

5.3 Immediate paid access

A Customer may choose immediate paid access without a trial. The price, number of seats, billing frequency and automatic-renewal terms will be disclosed before payment details are submitted.

5.4 No stacking

Only one trial, promotional offer, beta offer or referral benefit may apply to a seat or subscription period unless PsycFin expressly states otherwise in writing.

6. Price, billing and renewal

Standard prices. The monthly subscription price is USD $179 per authorised adviser seat, billed monthly in advance. The annual subscription price is USD $1,790 per authorised adviser seat, billed yearly in advance. Applicable taxes may be added only where required by law and will be disclosed before charge. PsycFin is not registered for Australian GST as at the effective date and does not charge GST while unregistered.

Automatic renewal. A monthly subscription renews each month and an annual subscription renews each year until cancelled. Before the Customer first authorises payment, checkout will clearly disclose the selected plan, seat count, total price, billing frequency and automatic-renewal terms and obtain affirmative consent. Nothing will be pre-selected on the Customer’s behalf. PsycFin provides an annual-renewal reminder before charging the next annual term.

Payment processing. Payments are processed by a third-party payment provider. PsycFin does not receive full payment-card details. The Customer authorises the payment provider to charge amounts properly due under these Terms.

Price changes. PsycFin will give at least 30 days’ notice of a price increase. An increase applies no earlier than the first renewal after the notice period and does not alter a prepaid annual period already under way. The Customer may cancel before the increase takes effect.

Failed payment. If payment fails, PsycFin may pause drafting and place the account in read-only mode while payment recovery occurs. Nothing is deleted merely because a payment fails. An account that remains 60 days past due is deemed cancelled, and the 90-day export period in section 14 begins on that date. If all amounts properly due are paid before deletion begins, PsycFin may restore the account in place, subject to reasonable security checks. A failed annual renewal does not create a new paid annual period unless payment succeeds.

7. Unlimited drafting and fair use

Each paid adviser seat includes unlimited drafting for normal, human-led use in the Customer’s own financial-advisory practice, subject to this fair-use section. There are no automatic excess-use charges.

Fair use does not include automated or scripted generation at scale, account or credential sharing, reselling, bureau use, use for another firm, use that creates disproportionate technical load, or activity intended to evade product limits or security controls.

If use is unusually high or inconsistent with this section, PsycFin will ordinarily contact the Customer and seek a reasonable solution before limiting drafting. PsycFin may impose an immediate, proportionate restriction where reasonably necessary to address security, abuse, legal risk or service stability. Any additional fee or different plan requires the Customer’s express agreement.

8. Cancellation and refunds

Monthly cancellation. The Customer may cancel a monthly subscription online at any time. Cancellation takes effect at the end of the current paid monthly period, access continues until then and no further charge is made. PsycFin does not provide a voluntary change-of-mind or partial-period refund, including for the USD $10 beta payment, except where required by law. Beta cancellation. A beta Customer may cancel online at any time before conversion. Cancellation prevents conversion to a standard plan, access continues to the end of the ten-week beta period already paid, and the USD $10 is not refunded except where law requires. If PsycFin ends beta access early without Customer fault, the USD $10 is refunded in full.

Annual cancellation. Cancellation of an annual subscription takes effect at the end of the current month of service. Access continues through that month. PsycFin refunds the remaining unused whole months at the annual plan’s effective monthly rate, calculated as the annual subscription fee paid for that seat multiplied by the number of unused whole months and divided by 12, with the result rounded once to the nearest cent. The refund is calculated on the amount actually paid in money after any referral credit; a credit applied to the refunded period is restored as a credit and never converts to cash. The refund cannot exceed the annual fee paid for that seat.

Termination by PsycFin without Customer fault. If PsycFin ends a subscription for reasons not caused by the Customer, PsycFin may continue access until the end of the paid period. If access ends earlier, PsycFin refunds the prepaid amount attributable to the undelivered period. For a monthly plan, this is calculated proportionately for the undelivered part of the paid month. For an annual plan, it includes the undelivered part of the current service month plus all remaining unused whole months at the effective monthly rate.

Termination for cause. No refund is due where access is suspended or terminated because of the Customer’s material breach, unlawful conduct, security abuse or non-payment, except to the extent mandatory law requires otherwise.

Nothing in this section limits a remedy available for a failure to comply with a consumer guarantee or another right that cannot lawfully be excluded.

9. Referral program

The referral program is intended to become available at public launch on 21 September 2026. It is not available during beta unless PsycFin expressly enables it.

Referred Customer. An eligible firm that signs up through a valid referral link or code receives a 30-day free trial instead of the standard 14-day trial. No card is required to begin the trial. The referred Customer must affirmatively add a payment method and choose to continue before any charge.

Referring Customer. After the referred Customer completes its first successful standard-price payment, the referring Customer earns one USD $179 adviser-seat credit. The referrer sees only credits earned and used. PsycFin does not disclose the referred Customer’s identity-linked signup, conversion, billing or cancellation status.

Referral credits may accumulate without limit, apply automatically to future invoices, have no cash value, are non-transferable, cannot be sold and cannot create a refund, payout or negative invoice balance. Self-referrals and misuse are prohibited. A reward is void if the qualifying payment is refunded, charged back or fraudulent. Referral benefits do not combine with the beta offer.

PsycFin may change or close the referral program prospectively on reasonable notice. Credits already validly earned will be honoured. The Customer is responsible for any professional disclosure required when recommending Saywell to another adviser and must never present the program as compensation for referring advisory clients or business.

10. Customer Content and client information

Roles. The Customer determines why and how its client information is used in its practice. PsycFin processes that information to provide the Service on the Customer’s behalf, subject to the Data Processing Addendum (DPA). PsycFin may act independently for limited account administration, billing, security, fraud prevention, legal compliance and service-operation purposes described in the Privacy Policy.

Customer authority. The Customer represents and warrants that it has all rights, permissions, notices and lawful authority needed to provide Customer Content to PsycFin and instruct its processing. This includes client records, correspondence, notes, inferred communication preferences, assessment information and voice samples. Clients are not parties to these Terms.

Data minimisation. The Customer must provide only information reasonably needed for communication drafting and related Service functions. Unless PsycFin expressly requests it through a designated field, the Customer must not enter Social Security numbers, tax file numbers, passport or driver-licence numbers, account numbers, payment credentials, passwords, authentication codes, detailed holdings, transaction records or other information that is unnecessary for the drafting task.

Date of birth. A client’s full date of birth may be stored in the optional designated field where the Customer has lawful authority and reasonably needs it. Saywell uses derived age or age band, rather than raw date of birth, in drafting requests. The Customer must not place a date of birth in free-text prompts, correspondence or notes.

Pasted and forwarded correspondence. Correspondence that an Authorised User pastes into Saywell or forwards through an approved intake method may be stored with the client record and resulting draft as a provenance record. The Customer must have authority to provide it. Saywell does not become the Customer’s permanent regulatory system of record.

No minors. The Customer must not use Saywell for a person under 18, collect an assessment from a person under 18, or create or profile a client record for a person under 18. A minor may be mentioned incidentally within an adult client’s matter, consistent with the Privacy Policy and Data Processing Addendum.

11. Client assessments and communication profiles

Where enabled, the Customer may invite an adult client to complete an optional assessment. The Customer must send the assessment only to an eligible client, provide any notice required by law or the Customer’s own privacy policy, and avoid exerting pressure to participate.

Assessment results and adviser estimates are communication aids, not psychological, clinical, financial or risk-tolerance assessments. They must not be used to diagnose a person, determine eligibility, make a legally significant decision or replace professional knowledge of the client. The adviser remains responsible for deciding whether and how to use any profile.

12. Professional responsibility for communications

Adviser control is mandatory. Nothing is sent by Saywell. An Authorised User must review every draft and may reject it, regenerate it, edit it or decide not to use it. The Customer must independently verify all facts, calculations, recommendations, names, dates, disclosures, legal requirements and statements about financial products or strategies before sending.

Responsibility for sent content. The Customer bears sole responsibility for every communication its personnel approve or send, including its accuracy, suitability, tone, timing, regulatory compliance and consequences. The Customer acknowledges that it, not PsycFin, holds the full adviser-client context and decides what is communicated.

Professional and regulatory duties. The Customer remains responsible for all duties applying to its practice and communications. These may include SEC or state investment-adviser requirements, the SEC Marketing Rule and books-and-records rules in the United States, and AFS licensing, advice, disclosure and recordkeeping requirements in Australia.

Records. The Customer must retain final sent communications and all other required books and records in its own compliant systems. Saywell stores inputs, drafts and specified activity records only as described in the Privacy Policy and DPA. It does not know the final form of a communication changed or sent outside the Service.

13. Licence to process Customer Content and improve Saywell

Service licence. The Customer grants PsycFin and its approved subprocessors a non-exclusive, worldwide licence to host, copy, process, transmit and display Customer Content only as reasonably necessary to provide, secure, support and maintain the Service, comply with law and perform the Customer’s documented instructions.

Private account calibration. PsycFin may use Customer Content and interaction data within the Customer’s account to adapt outputs for that Customer. This per-account calibration is part of the Service and continues while the account is active, including where the Customer opts out of cross-customer learning.

Cross-customer improvement. Beginning after the beta period, PsycFin may use de-identified and aggregated editing, approval, regeneration and interaction patterns to improve Saywell across customers. PsycFin will not permit identifiable Client Data to be used to train a third-party provider’s general-purpose models. Voice samples are not used for cross-customer learning.

Opt-out. The Customer may opt out of future cross-customer learning by contacting hello@saywellhq.com. The opt-out takes effect from the date PsycFin records the request and applies prospectively. Data already incorporated into de-identified aggregate information remains. Per-account calibration continues.

PsycFin will not attempt to re-identify de-identified information and will apply documented controls designed to maintain a very low risk of re-identification. If information cannot be reliably de-identified, it must not enter the cross-customer improvement dataset.

14. Retention, export and privacy requests

During the subscription. The Customer may access and manage records through the features made available in the Service. Retention periods for each data category are described in the Privacy Policy and DPA.

After cancellation. The Customer has a 90-day period after cancellation to request or complete an available export. Unless retention is legally required, deletion then begins and is completed across active systems and backup expiry within 35 days after the export period ends.

Client requests. If a client contacts PsycFin to access, correct or delete information processed for the Customer, PsycFin will reasonably verify the request and normally coordinate it with the Customer. PsycFin may act independently where law requires it or for information PsycFin controls for its own purposes. An approved deletion will be completed within 35 days, subject to lawful retention requirements and the DPA.

Records already exported or supplied to the Customer remain under the Customer’s control and professional recordkeeping obligations. De-identified aggregate information that can no longer reasonably identify a person is not restored or re-identified to answer a request.

15. Confidentiality, security and incidents

Each party must protect the other party’s non-public information using at least reasonable care, use it only to perform or receive the Service, and disclose it only to personnel, professional advisers and subprocessors who need it and are bound by appropriate confidentiality duties. This obligation does not apply to information that is public without breach, already lawfully known, independently developed or lawfully received without restriction.

PsycFin will maintain reasonable administrative, technical and organisational safeguards appropriate to the nature of the information and the risks of the Service. More specific processing, subprocessor, deletion, assistance and security commitments are set out in the DPA.

Where a security breach results in unauthorised access to a customer information system maintained by PsycFin, PsycFin will notify the affected Customer as soon as reasonably possible and no later than 72 hours after becoming aware of that breach. PsycFin will provide information reasonably available at the time, give material updates and reasonably cooperate with the Customer’s investigation and legally required notifications. Nothing in this clause transfers the Customer’s responsibility for notices it is legally required to give.

The Customer must promptly notify PsycFin of an actual or suspected compromise of an account, credential, device or client information that may affect the Service.

16. Acceptable use

The Customer and its Authorised Users must not:

• use the Service unlawfully, fraudulently, deceptively or in violation of professional obligations;

• use the Service for or on behalf of a person under 18, or for a person in a prohibited location under section 2;

• use an Output as a psychological or clinical assessment, financial-risk assessment, credit decision or other decision producing legal or similarly significant effects;

• use the Service for employment, lending, credit, insurance, tenancy, education or benefit-eligibility decisions;

• represent that PsycFin or Saywell has provided, approved or validated financial, investment, tax, legal or compliance advice;

• scrape, systematically extract, probe, disrupt or compromise the Service or bypass access, usage or security controls;

• reverse engineer the Service, questions, scoring, prompts or generation systems, except to the limited extent a law prohibits this restriction;

• use the Service or Outputs to train, benchmark for development, or create a competing machine-learning or AI system;

• resell, sublicense, bureau, share or provide the Service for another firm;

• upload malware, infringing content or information the Customer is not authorised to provide; or

• use one seat for more than one named adviser or permit unauthorised account access.

A breach of this section may result in a proportionate restriction, suspension or termination under section 22.

17. Intellectual property and Outputs

PsycFin technology. PsycFin and its licensors retain all rights in the Service, software, interfaces, methodology, prompts, assessment structure, scoring, workflows, documentation, brands and underlying systems. Subject to these Terms, PsycFin grants the Customer a limited, non-exclusive, non-transferable right to access the Service during its subscription for its own practice.

Customer Content. As between the parties, the Customer retains its rights in Customer Content. These Terms do not transfer ownership of client information or third-party material to either party.

Outputs. To the extent PsycFin has any rights in an Output generated specifically for the Customer, PsycFin assigns those rights to the Customer upon creation. If an assignment is ineffective, PsycFin grants the Customer a perpetual, irrevocable, worldwide, royalty-free licence to use, reproduce, edit, retain, distribute and send that Output for any lawful purpose. These rights survive cancellation.

Non-unique material. AI-generated material may not be unique, and another user may receive similar material. Copyright or other intellectual-property protection may not exist for material generated without sufficient human authorship. PsycFin does not guarantee exclusivity, originality or registrability.

Feedback. If the Customer voluntarily provides feedback that does not contain Client Data or confidential information, PsycFin may use it without restriction or payment.

18. Service operation, support and changes

Support is available at hello@saywellhq.com. PsycFin aims to respond to human support escalations within 24 hours. This is a service target, not a guaranteed response time. Automated assistance may be available, but it may not access or resolve every account issue.

PsycFin will provide the Service with reasonable care and skill. Internet, hosting, AI and third-party services may experience delays, outages or errors. PsycFin does not promise uninterrupted or error-free operation or a service level not expressly stated in a signed order.

PsycFin may modify features to improve, secure or maintain the Service. It will not materially reduce the core paid Service during a prepaid period without reasonable notice and an appropriate remedy. Features identified as beta, preview or experimental may change or be withdrawn, subject to mandatory law and the Customer’s paid rights.

19. Warranties and lawful limitations

Each party warrants that it has authority to enter this agreement. PsycFin warrants that it will provide the Service with reasonable care and skill. The Customer warrants that its use, instructions and Customer Content comply with these Terms and applicable law.

Except for express promises in these Terms and rights that cannot lawfully be excluded, the Service is provided on an as-available basis. PsycFin does not warrant that Outputs will be accurate, complete, unique, fit for a Customer’s undisclosed purpose, compliant with the Customer’s professional duties, or suitable to send without independent adviser review.

Nothing in these Terms excludes, restricts or modifies a guarantee, right, remedy or liability that applies under the Australian Consumer Law or another law and cannot lawfully be excluded, restricted or modified.

20. Indemnity

The Customer indemnifies PsycFin and its personnel against third-party claims, damages and reasonable external costs to the extent arising from: (a) a final communication approved or sent by the Customer; (b) Customer Content the Customer was not authorised to provide; (c) the Customer’s material breach of these Terms; or (d) the Customer’s unlawful, negligent or wilful use of the Service.

The indemnity does not apply to the extent a claim was caused by PsycFin’s breach, negligence, unlawful conduct or wilful misconduct. PsycFin must promptly notify the Customer of a covered claim, allow reasonable control of the defence and settlement, and provide reasonable cooperation at the Customer’s expense. The Customer may not settle a claim in a way that admits fault by or imposes a non-monetary obligation on PsycFin without PsycFin’s consent, not to be unreasonably withheld.

21. Liability

21.1 Responsibility for sent communications

The Customer bears responsibility for all content it approves or sends. PsycFin remains responsible only for its own breach of contract, negligence, unlawful conduct and non-excludable legal obligations, subject to the limitations in this section. This section does not use or create an absolute exclusion of PsycFin’s responsibility.

21.2 Excluded losses

To the extent permitted by law, neither party is liable to the other for indirect, incidental, special or consequential loss, or for loss of profit, revenue, opportunity, goodwill or anticipated savings, except to the extent such loss forms part of a third-party claim covered by section 20 or cannot lawfully be excluded.

21.3 Overall cap

To the extent permitted by law, PsycFin’s total aggregate liability arising out of or relating to the Service, these Terms, the DPA and the Customer’s subscription is limited to the greater of the fees paid by the Customer in the 12 months immediately preceding the event giving rise to the claim and USD $500.

21.4 Exceptions

The cap and exclusions in this section do not apply to fraud, wilful misconduct or any liability that cannot lawfully be excluded or limited.

21.5 Australian Consumer Law limitation

Where the Australian Consumer Law permits liability for a failure to comply with an applicable consumer guarantee concerning services not ordinarily acquired for personal, domestic or household use to be limited, PsycFin’s liability is limited, at PsycFin’s option, to supplying the services again or paying the cost of having the services supplied again. This limitation applies only where section 64A of the Australian Consumer Law permits it and reliance on the limitation is fair and reasonable.

22. Suspension and termination

PsycFin may suspend access to the extent reasonably necessary to address a material breach, unlawful conduct, security threat, payment failure, misuse, risk to another person or the Service, or a binding legal requirement. Where circumstances permit, PsycFin will give notice and a reasonable opportunity to remedy the issue before suspension.

PsycFin may terminate for a material breach that is incapable of remedy or is not remedied within a reasonable period stated in notice. It may terminate immediately for serious unlawful conduct, deliberate security abuse or a binding legal requirement. The Customer may terminate by cancelling under section 8.

PsycFin may discontinue the Service or terminate without Customer fault on reasonable notice. Section 8 governs continued access or any proportional refund. On termination, the export and deletion process in section 14 applies.

Sections that by their nature should continue after termination survive, including sections 10, 12 to 17, 19 to 24 and accrued payment obligations.

23. Governing law and disputes

These Terms and the agreement between the parties are governed by the laws of Queensland, Australia, without regard to conflict-of-laws principles. Subject to mandatory law, the parties submit to the exclusive jurisdiction of the courts of Queensland and courts entitled to hear appeals from them.

Before starting court proceedings, a party must give written notice describing the dispute and the outcome sought. For 30 days after notice, each party must make a representative with settlement authority reasonably available for good-faith negotiations. This requirement does not prevent urgent injunctive or protective relief.

Nothing in this section excludes any Australian Consumer Law protection applying mandatorily to an Australian purchaser, or any mandatory right, remedy or entitlement to bring proceedings in another court that cannot lawfully be excluded.

24. General

Changes to these Terms. PsycFin may update these Terms prospectively. It will give at least 30 days’ notice of a material change by email or in-product notice. A material change will not apply retrospectively. Where continued use is not a legally sufficient form of acceptance, PsycFin will obtain affirmative acceptance. The Customer may cancel before a material change takes effect.

Order of documents. If documents conflict, a signed order or checkout term prevails for its specific commercial subject, the DPA prevails for processing Customer Personal Data, and these Terms prevail for other Service matters. The Privacy Policy explains PsycFin’s privacy practices but does not reduce the DPA’s protections.

Assignment. The Customer may not assign this agreement without PsycFin’s written consent, not to be unreasonably withheld. PsycFin may assign it in connection with a merger, reorganisation, financing or sale of all or substantially all relevant assets, provided the assignee assumes PsycFin’s obligations and the Customer’s rights are not materially reduced.

Force majeure. Neither party is liable for delay or failure caused by events beyond its reasonable control, excluding payment obligations. The affected party must take reasonable steps to reduce the impact and resume performance.

Notices. PsycFin may send notices to the Customer’s account email. Notices to PsycFin must be sent to hello@saywellhq.com. A notice is received when delivered without an automated failure message, subject to any mandatory legal rule.

No waiver; severability. A failure to enforce a right is not a waiver. If a provision is unenforceable, it is read down to the minimum extent necessary or severed, and the remaining provisions continue.

No partnership or third-party beneficiaries. These Terms do not create an employment, agency, partnership, joint venture or fiduciary relationship between PsycFin and the Customer. Except where law requires otherwise, no other person may enforce these Terms.

Entire agreement. These Terms, the DPA, the Refund and Cancellation Policy, the accepted checkout or order terms and any documents expressly incorporated into them form the entire agreement about the Service and replace prior statements on that subject. Nothing in this clause excludes liability for fraud or misleading conduct that cannot lawfully be excluded.

25. Contact

PsycFin Pty Ltd
ABN 81 697 454 345
Saywell product support, legal notices and privacy enquiries: hello@saywellhq.com