Terms of Service

1. Agreement to Terms

By accessing or using Steady, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our service.

2. Description of Service

Steady is a personal finance application that helps New Zealanders understand and manage their money. Our service includes:

• Bank account connection and transaction tracking
• Spending analysis and categorisation
• Goal setting and progress tracking
• AI-powered financial insights
• Alerts and notifications

3. User Accounts

You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account. You must:

• Provide accurate and complete information
• Keep your login credentials secure
• Notify us immediately of any unauthorised access
• Be at least 18 years old to use this service

4. Bank Connections

Bank connections are facilitated through Akahu Limited, an FMA-registered provider of prescribed intermediary services. When connecting your bank:

• You authenticate directly with your bank through Akahu's secure system
• We never see or store your bank login credentials
• You can revoke access at any time through your bank or our app
• By connecting, you agree to Akahu's terms of service

5. Financial Information Disclaimer

Steady is not a financial adviser. We provide information and tools for personal finance management only. Our insights, recommendations, and AI-generated responses are for informational purposes only and should not be considered professional financial, tax, investment, or legal advice.

Always consult with a qualified, licensed financial adviser for important financial decisions. We are not responsible for any financial decisions you make based on information in our app.

6. AI Features

Steady uses artificial intelligence to provide features like transaction categorisation and financial insights. You acknowledge that:

• AI-generated content may not always be accurate or appropriate
• AI insights are suggestions, not financial advice
• You should verify important information independently
• AI categorisations can be manually corrected by you

7. Data Accuracy

While we strive for accuracy, we cannot guarantee that all information displayed is completely accurate or up-to-date. Bank transaction data depends on your financial institution's systems and may occasionally be delayed, incomplete, or contain errors. Account balances shown may not reflect pending transactions.

8. Subscription and Billing

Some features of Steady require a paid subscription. By subscribing:

• You authorise us to charge your payment method via Stripe
• Subscriptions auto-renew unless cancelled before the renewal date
• You can cancel anytime from your account settings
• Refunds are handled on a case-by-case basis in accordance with NZ consumer law
• Prices are in NZD and include GST where applicable

9. Acceptable Use

You agree not to:

• Use the service for any illegal purpose
• Attempt to gain unauthorised access to our systems
• Interfere with or disrupt the service
• Share your account with others
• Reverse engineer or attempt to extract our source code
• Use automated systems to access our service without permission

10. Intellectual Property

All content, features, and functionality of Steady are owned by us and are protected by intellectual property laws. You may not copy, modify, or distribute our content without permission.

11. Termination

We may suspend or terminate your access if you violate these terms. You may delete your account at any time through Settings. Upon termination, your right to use the service ceases immediately.

12. Limitation of Liability

To the maximum extent permitted by NZ law, including the Consumer Guarantees Act 1993, Steady shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the service. Our total liability shall not exceed the amount you paid us in the 12 months prior to any claim.

13. Indemnification

You agree to indemnify and hold harmless Steady from any claims, damages, or expenses arising from your use of the service or violation of these terms.

14. Changes to Terms

We may update these terms from time to time. We will notify you of significant changes via email or in-app notification at least 14 days before they take effect. Continued use of the service after changes constitutes acceptance.

15. Governing Law

These terms are governed by the laws of New Zealand. Any disputes shall be resolved in the courts of New Zealand. Nothing in these terms excludes or limits your rights under the Consumer Guarantees Act 1993 or the Fair Trading Act 1986.

Contact

Questions about these terms? Contact us at hello@steady.nz