Last updated: 26 April 2026
These Terms apply to your use of the Steady service. By creating an account, you agree to these Terms. If you do not agree, you are not authorised to use Steady and you must stop using it.
Steady is operated by Steady Finance Limited (NZBN to be confirmed), a New Zealand company (we, us, our). Contact: hello@steady.nz.
We may change these Terms by posting an updated version at steady.nz/legal/terms and notifying you by email. The change takes effect from the date on the notice.
If a change is detrimental to you, you can cancel your account with at least 10 days' notice before the change takes effect, and the previous version of these Terms will apply during your notice period. If you keep using Steady after the change, you accept the new Terms.
We use reasonable efforts to provide Steady in line with these Terms and NZ law, exercising reasonable care, skill, and diligence. We aim for 24/7 availability but cannot promise it — the Service may be unavailable for maintenance, deploys, or events outside our reasonable control.
Steady relies on third-party services (Akahu for banking, Stripe for payments, Clerk for sign-in, Anthropic for AI features, Supabase for data hosting, Railway for compute). If any of these change pricing or availability, we may need to adjust the Service. If a third-party feature becomes permanently unavailable, you are not entitled to a refund or other compensation beyond what is offered by these Terms or the law.
You agree to:
Steady is not your bank. We connect to your bank accounts through Akahu, NZ's regulated open-banking platform. Akahu has read-only access to your account data; we never see your bank password.
You can revoke our access to your bank data at any time from Settings inside Steady, or by contacting Akahu directly. When you revoke access, we delete the bank-data side of your account within a reasonable timeframe.
Steady never moves money. We cannot make payments, transfers, or any change to your bank accounts.
Steady uses Anthropic's Claude API to power some AI features (the Ask flow, weekly summaries, automatic categorisation suggestions). When you use those features, we send Anthropic financial context relevant to your question (recent transactions, balances, goals, budgets) but never your name, email, or bank account numbers. Anthropic does not train its models on this API data.
Steady is not financial advice. Any suggestions, summaries, or AI responses are general information only. Steady is not a Financial Advice Provider under New Zealand law. For investment, KiwiSaver, or significant financial decisions, please consult a licensed financial adviser.
Steady has a free tier and paid tiers (Plus, Family). Current prices are at steady.nz/pricing. Paid plans are billed in NZD via Stripe. Prices include GST where applicable.
We may change subscription pricing with at least 30 days' notice. If you don't accept a price increase, you can cancel before it takes effect — you won't be charged the new price.
Refunds: see our Refund Policy. Briefly: 30-day money-back guarantee on your first paid charge, plus refunds for billing-error charges. Renewals after 30 days are not refundable, but you can cancel anytime to stop future charges.
We own (or licence from others) all intellectual-property rights in the Service — software, design, brand. You own your Data. By using Steady, you grant us a limited licence to store, process, and display your Data so we can provide the Service to you.
We may use anonymised, aggregated information about how the Service is used to improve the product (e.g. “X% of Plus users set a savings goal in their first week”). This anonymised data is never linked back to you and is not shared in a way that could identify you.
We treat your personal and financial information as confidential. We will not disclose it except as set out in our Privacy Policy, as required by law, or with your authorisation.
Nothing in these Terms limits your rights under the New Zealand Consumer Guarantees Act 1993, the Fair Trading Act 1986, or the Privacy Act 2020. If the Service does not meet the guarantees in those Acts, you have the remedies they provide.
We do not promise the Service will be perfect — we promise we'll exercise reasonable care, skill, and diligence in providing it. The Service is provided “as is” beyond that promise and any rights you have under NZ consumer law.
Subject to your rights under NZ consumer law, our maximum total liability to you for any 12-month period is the amount you paid us in fees during that period. We are not liable for indirect, consequential, or special losses (such as loss of profit, savings, business, data, or goodwill).
These limits do not apply to liability for personal injury or death, fraud, wilful misconduct, or breach of confidentiality by us.
You can cancel your subscription anytime from Settings. Your paid features stay active until the end of the period you already paid for, then drop to the free tier.
You can delete your account anytime from Settings > Delete Account. This permanently removes your data from Steady, cancels any active Stripe subscription, revokes Akahu bank connections, and deletes your Clerk authentication account.
We may suspend or terminate your account if you breach these Terms in a material way (e.g. attempting to undermine the Service's security, or transmitting Data that breaches third-party rights). We will give you reasonable notice unless the breach is serious enough to require immediate action.
Email hello@steady.nz. We aim to reply within 1 business day.
These Terms are adapted from the Kindrik Partners (Simmonds Stewart) free SaaS Terms template (V3.0, 2022). They are tailored for Steady's consumer use case but are not a substitute for individualised legal advice.