Terms of Service

19 July 2026

These Terms of Service ("Terms") govern your use of fymnd (the "Platform"), operated by Mitchell Stanton-Nicholson (ABN 93 361 512 919), trading as fymnd ("fymnd", "we", "us"). By creating an account or using the Platform, you agree to these Terms.

1. What fymnd is

fymnd is an online education platform. We publish course material about using AI tools to build income, and we operate a public accountability ledger (the "Ledger") on which members declare goals and record progress toward them.

fymnd is an education product. It is not financial advice, career advice, investment advice, or a business opportunity. See clause 8.

2. Eligibility

You must be at least 18 years old and capable of forming a binding contract to use the Platform.

3. Accounts

You may register via email or Google sign-in. You are responsible for the security of your account and for all activity under it. Provide accurate information and keep it current. We may suspend or terminate accounts that breach these Terms (see clause 13).

4. The Public Ledger — read this clause carefully

The Ledger is the core of the Platform, and it works differently from most services:

(a) Your declarations are public. When you post a goal, record, progress update, or outcome to the Ledger, that entry is published on the open internet, visible to anyone, whether or not they have an account.

(b) Entries are permanent by design. Ledger entries are cryptographically chained (hash-sealed). Each entry's integrity depends on the entries before it. For this reason, Ledger entries cannot be edited or deleted once sealed — including by us, and including after you close your account. This applies to all outcomes, including records marked as lapsed or failed.

(c) You consent to this. By sealing an entry to the Ledger, you give us a perpetual, irrevocable, worldwide, royalty-free licence to store, publish, and display that entry, and you acknowledge that permanence and public visibility are essential features of the service you are choosing to use.

(d) Do not post what you cannot live with. Do not include in Ledger entries: other people's personal information, confidential information belonging to an employer or third party, financial account details, or anything you may later need removed. We may refuse or remove an entry before it is sealed if it breaches these Terms; once sealed, removal is not technically available.

(e) Non-ledger content is different. Account details, course activity, and anything not sealed to the Ledger are private and handled under our Privacy Policy.

5. Subscriptions and Billing

(a) Founding period (closed). The free founding period has ended. Accounts created during the founding period retain free access and will not be charged a subscription fee unless we give you clear notice in advance. Accounts created after the founding period closed require a paid subscription from signup.

(b) Paid subscriptions. Subscriptions are billed in advance on a recurring basis via Stripe at the price and interval shown at checkout. Amounts are in AUD and include GST where applicable.

(c) Cancellation. You may cancel at any time from your account settings. Cancellation takes effect at the end of the current billing period; you retain access until then. We do not provide pro-rata refunds for partial periods, except as required by law.

(d) Price changes. We may change subscription pricing with at least 30 days' notice. Continued use after the change takes effect constitutes acceptance.

(e) Payment processing. Payments are processed by Stripe. We do not store your full card details. Stripe's own terms and privacy policy apply to payment processing.

6. Refunds

We do not offer refunds for change of mind, failure to use the Platform, or dissatisfaction with your own results.

However, nothing in these Terms excludes your rights under the Australian Consumer Law. Our services come with guarantees that cannot be excluded, including that services will be provided with due care and skill and be fit for purpose. If there is a major failure with the service, you are entitled to a refund or to cancel; for other failures you are entitled to have the problem remedied. Equivalent non-excludable consumer rights in your own jurisdiction are also unaffected.

7. Course Content and Licence to You

We grant you a personal, non-exclusive, non-transferable licence to access course content for your own use while you have access rights. You must not copy, resell, redistribute, or publish course content, or use it to build a competing product. All intellectual property in the Platform and its content remains ours or our licensors'.

8. No Guarantees of Income or Outcomes

(a) Course material describes methods some people use to generate income. We make no representation or guarantee that you will earn any money, any particular amount, or achieve any goal you declare. Results depend on factors outside our control, including your effort, skills, market conditions, and luck.

(b) Figures shown on the Ledger (ours or other members') are declarations by the people who posted them. They are records of individual runs, not typical results, and not a promise of what you will achieve.

(c) Nothing on the Platform is financial product advice, tax advice, or legal advice. Obtain independent professional advice before making financial decisions.

(d) Career decisions are yours alone. Platform features that reference resignation or leaving employment (including any sealed-letter mechanic) are motivational tools. Whether and when to leave a job is entirely your decision and your risk. Do not resign from employment in reliance on the Platform, your Ledger record, or any course content.

9. Your Content

You retain ownership of content you submit. For non-Ledger content, you grant us a licence to host and display it as needed to operate the Platform, which ends when the content is deleted. For Ledger entries, the licence in clause 4(c) applies.

You warrant that content you submit is yours to post, is accurate to the best of your knowledge, and does not infringe anyone's rights.

10. Acceptable Use

You must not:

  • (a) post false or fraudulent records or manufactured "results"
  • (b) use the Platform to promote schemes, solicit investment, or recruit for other programs
  • (c) harass other members, including over lapsed or failed records
  • (d) scrape, reverse-engineer, or interfere with the Platform or the Ledger chain
  • (e) use the Platform for anything unlawful
  • (f) impersonate any person or misrepresent affiliation

11. Third-Party Services

The Platform integrates third-party services (including Stripe and Google sign-in) and may link to external tools referenced in course content. We are not responsible for third-party services, their availability, or their terms.

12. Availability

We aim to keep the Platform available but do not guarantee uninterrupted access. We may modify features from time to time. If we ever discontinue the Platform, we will use reasonable efforts to give notice and, where practicable, preserve public access to the sealed Ledger chain, but continued hosting is not guaranteed indefinitely.

13. Suspension and Termination

We may suspend or terminate your access for material breach of these Terms, unlawful conduct, or fraudulent Ledger activity. You may close your account at any time. Closing your account does not remove sealed Ledger entries (clause 4(b)). Clauses that by their nature survive termination (including 4, 6, 8, 9, 14, 15, 16) survive.

14. Liability

To the maximum extent permitted by law, and subject always to clause 6 and your non-excludable statutory rights:

  • (a) the Platform is provided "as is"
  • (b) we exclude liability for indirect or consequential loss, loss of income or profits, loss of employment, and loss of opportunity, including any loss arising from decisions you make in reliance on Platform content or your own or others' Ledger records
  • (c) our total aggregate liability to you is limited to the greater of (i) the amounts you paid us in the 12 months before the claim arose and (ii) AUD $100
  • (d) where liability cannot be excluded but can be limited, it is limited to re-supplying the services or paying the cost of re-supply

15. Indemnity

You indemnify us against claims by third parties arising from content you post (including Ledger entries), your breach of these Terms, or your unlawful conduct, except to the extent caused by us.

16. General

(a) Governing law. These Terms are governed by the laws of Western Australia, Australia, and you submit to the non-exclusive jurisdiction of its courts.

(b) Changes. We may update these Terms. Material changes will be notified via the Platform or email at least 14 days before taking effect. Continued use after the effective date constitutes acceptance.

(c) Severability. If any clause is unenforceable, the remainder continues in force.

(d) Entire agreement. These Terms, the Privacy Policy, and any checkout terms are the entire agreement between you and us regarding the Platform.

17. Contact

Mitchell Stanton-Nicholson trading as fymnd
Email: CEO@FYMND.com