Terms of service

Agreement

By creating an account or using SPEND NZ, you agree to these Terms and the Privacy Policy.

This invite-only test is not charged. The plan is NZ$9.99 per month and includes one partner login (you and one other person). We will tell you before anything is charged.

What this is (and isn’t)

SPEND NZ is a personal-finance information tool for households. It categorises transactions, tracks recurring bills, and estimates a Daily Number — how much you can safely spend until payday after reserved fixed commitments and an optional save amount.

It is software, not a bank, financial adviser, or lender. Nothing in the app is personalised financial, tax, or investment advice. Daily Number and savings figures are estimates based on available information — “potential”, never guaranteed. For important decisions, check your bank and talk to a licensed professional.

Features may change during beta.

Your account

Provide accurate email and keep your password confidential. You are responsible for activity under your account.

You must be able to lawfully use the service in New Zealand (or other regions we later support). You may connect only bank accounts you are authorised to access.

Tell us promptly if you believe your account has been compromised.

Bank connection

Bank data is accessed read-only through Akahu, with your explicit authorisation, which you can revoke at any time in Setup or through Akahu. Akahu’s terms and privacy also apply to that connection.

We never receive your bank password, initiate payments, or move money.

We are not responsible for bank outages, Akahu downtime, or delayed transaction feeds.

Accuracy

We work hard to categorise and detect recurring bills correctly, but bank data is messy and automatic classification is imperfect. Pending transactions, connection delays, merchant strings, and mis-tagged bills or categories may affect what you see — including the Daily Number.

Your bank’s records are the source of truth. You remain responsible for real-world money decisions. Fix Active bills and categories first if the number looks wrong.

Acceptable use

Don’t attempt to access other users’ data, disrupt the service, evade feature or usage limits, reverse engineer the app beyond what law permits, or use the service for anything unlawful or to access data you are not authorised to see.

We may suspend accounts that breach these terms or present a security risk.

Pricing and billing

The plan is NZ$9.99 per month and includes one partner login (you and one other person on the same household). There is no free-forever bank connection.

Nothing is charged during this invite-only test. We will tell you before anything is charged.

When billing is turned on, the price, renewals, and how to cancel are shown before you pay. A subscription would renew until you cancel. Deleting the app or logging out would not cancel it. Deleting your account in Setup deletes the Stripe customer when one exists (best effort) and cancels an active subscription. Stripe may keep invoices.

We have not yet decided what happens if a payment stops. Disconnecting the bank deletes imported bank data and keeps your login. Deleting the account removes the login as well. Both stay under your control in Setup.

We may change future prices or what the plan includes. We will show that before you pay. Refunds are at our discretion unless the law requires them.

Automated systems (no AI coach)

There is no AI in this product. You can see where the money went, and what you can spend until payday, without one. Categorisation and bill detection are rule- and history-based. They can be wrong. We do not send your bank data, balances, or transaction rows to an AI model.

Service availability

We may add, change, suspend, or discontinue features. Access can depend on Akahu, banks, Stripe, our host, and network services outside our control. We aim for reliability but cannot guarantee uninterrupted or error-free service.

Intellectual property

The product, branding, and software are owned by SPEND NZ. You keep ownership of your data. You grant us a limited licence to process your data solely to provide the service.

These terms give you a personal, limited, revocable right to use the app; they do not transfer ownership.

Liability

The service is provided “as is” during this closed test. To the maximum extent permitted by New Zealand law (including any rights under the Consumer Guarantees Act that cannot be excluded), we are not liable for losses arising from your use of the app, including decisions made based on the Daily Number or other displays, or for indirect or consequential loss.

Nothing in these terms limits rights you cannot contract out of under the Consumer Guarantees Act or other mandatory law where they apply.

If we are found liable despite the above, our total liability for a claim is limited to the fees you paid us in the 3 months before the claim (or NZ$50 if you paid nothing).

Ending your use

You can disconnect the bank or delete your account at any time in Setup. Disconnecting deletes imported bank data and keeps your login. A partner can delete their own login without deleting the household. Account deletion is irreversible and removes operational data as described in the Privacy Policy.

We may terminate accounts that breach these terms or present a security risk.

On termination we stop bank sync; data deletion follows the Privacy Policy.

Changes

We may update these terms; meaningful changes will be reflected on this page with a new date. Continuing to use the service after changes means you accept them.

Governing law

These terms are governed by the laws of New Zealand. Courts of New Zealand have exclusive jurisdiction, subject to any mandatory consumer protections.