Terms of Service

1. Acceptance of Terms

By accessing or using Hi Dynamo!, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our platform. These Terms apply to all visitors, users, and others who access or use our services.

2. Warranties and Liabilities

Hi Dynamo! provides AI-powered financial education tools to help users understand and manage their credit card debt. However, we:

• Do not provide financial, legal, or tax advice.
• Do not negotiate with creditors on your behalf.
• Do not guarantee specific financial outcomes.

No Warranties:

• Our platform is provided "as is" without any express or implied warranties.
• While we strive for accuracy, we cannot guarantee the completeness, accuracy, or reliability of any information provided.

User Responsibility:

• Users are fully responsible for verifying any information provided through Hi Dynamo!.
• Users should consult professional financial or legal advisors before making major financial decisions.

Limitation of Liability:

To the fullest extent permitted by law, Hi Dynamo! and its affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages resulting from the use of our platform.

3. User Responsibilities

By using Hi Dynamo!, you agree to:

• Provide accurate and up-to-date information when using our platform.
• Use our platform in compliance with all applicable laws and regulations.
• Maintain the confidentiality of your login credentials.
• Verify all information provided by Hi Dynamo! and seek professional advice when necessary.

Users are solely responsible for any financial or legal decisions they make while using Hi Dynamo!'s tools.

4. Intellectual Property

All content, features, and functionality provided by Hi Dynamo! are protected under US and international copyright laws.

You may not:

• Reproduce, distribute, or create derivative works from our content without explicit permission.
• Use Hi Dynamo!'s branding, trademarks, or proprietary tools for unauthorized purposes.

5. Service Modifications

We reserve the right to modify, suspend, or discontinue any aspect of our platform at any time without prior notice.

We will attempt to notify users of significant changes, but we are not liable for any interruptions in service.

6. Termination

We reserve the right to terminate or suspend your access to Hi Dynamo! immediately, without prior notice, for any reason, including but not limited to:

• Violations of these Terms
• Unauthorized or fraudulent use of our platform

Upon termination, your right to use our services will cease immediately.

7. Legal and Geographic Restrictions

Hi Dynamo!'s services are intended for use within the United States and comply with US laws and regulations.

Access Restrictions:

Hi Dynamo! does not provide services to users in countries subject to US sanctions, including:

• Russia
• Cuba
• Iran
• North Korea
• Syria

By using our services, you certify that you are not accessing Hi Dynamo! from a restricted country and that you are eligible to use our platform under applicable US laws.

8. Dispute Resolution

Any disputes arising from these Terms shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

Users waive their right to participate in class action lawsuits or class-wide arbitration proceedings related to Hi Dynamo!.

9. Changes to Terms

We reserve the right to revise these Terms at any time. If changes are made, we will notify users via email or a notice on our website.

Your continued use of our platform after modifications constitutes acceptance of the updated Terms.

10. Policies

Refund Policy

Hi Dynamo! provides digital services and does not typically offer refunds. However, exceptions may be considered on a case-by-case basis.

To request a refund, contact support@hidynamo.com with details about your case.

Shipping and Returns

Since Hi Dynamo! provides digital services exclusively, shipping and return policies do not apply.

Promotions

At this time, no promotions are available. If promotions become available, they will be clearly communicated on our website with specific terms and conditions.

11. Contact Information

For any questions regarding these Terms, please visit our Contact Page.