Terms of Service

It's free

The personal app costs nothing to use, there are no ads, and we never sell or rent your data. Some optional extras are or will be paid: automatic bank sync, when it lands, carries a real per-connection cost, and a contractor tier is planned. Those have their own clearly-stated pricing, and using the personal app itself stays free.

Paid subscriptions

Automatic bank sync is a paid subscription. It costs NZ$7 a month or NZ$70 a year, charged to the card you give us when you subscribe and renewing automatically until you cancel. Prices are in New Zealand dollars and include GST where it applies. We'll tell you before any price change, and you can cancel rather than accept it.

New subscribers get a 30-day free trial. We ask for a card up front so the subscription continues without interruption when the trial ends, and you can cancel any time before then without being charged. The trial is once per person: if you subscribe again later, it starts as a paid subscription.

Payments are handled by Stripe. We never see or store your full card number.

Cancelling, and what happens to your data

You can cancel whenever you like, from Manage billing in the app. Cancelling stops the next payment; it doesn't cut you off immediately. Bank sync keeps working until the end of the period you've already paid for, and stops after that.

Nothing is deleted when a subscription ends. Your transactions, budgets, goals and categories all stay, and manual entry and CSV import keep working, because the personal app is free. Only the automatic sync stops.

If a payment fails, sync pauses until a payment goes through. Your data is untouched while that happens.

Refunds

Because access continues to the end of the period you've paid for, we don't normally refund part of a month or year. That said, if something went wrong, if you were charged in error, or if the service didn't do what we said it would, email us and we'll sort it out. We'd rather fix it than argue about it.

None of this limits your rights under the Consumer Guarantees Act 1993, which applies to services bought for personal use in New Zealand and cannot be contracted out of.

Not financial or tax advice

KeaBudget shows you your own numbers and some estimates, including tax-year summaries, GST and tax set-aside figures, and the pay and KiwiSaver calculators. These are general tools for your convenience only. They are not financial, tax, accounting, or legal advice, and they can be wrong or out of date. Always check anything important with IRD or a qualified professional before you rely on it.

Your account and your data

What you enter is yours. You can export or delete it at any time, and you can ask us to delete your account entirely (see our Privacy page). Keep your login details secure: you're responsible for activity under your account. If you add other people to the flat-bills splitter, please only use a name or label you're comfortable storing.

Fair use

Please don't misuse the service: no attacking, overloading, or trying to break it, no accessing other people's accounts, and nothing unlawful. We may suspend access that puts the service or other users at risk.

Provided as is

KeaBudget is offered as is. It's an independently-built project, and while we work hard to keep it accurate and available, we can't promise it will always be error-free, uninterrupted, or fit for a particular purpose.

Our liability

To the extent the law allows, KeaBudget and its developer aren't liable for any loss arising from using, or being unable to use, the app, or from relying on any figure or estimate it shows. Nothing in these terms limits any rights you have under New Zealand law that can't be excluded.

Changes and availability

We may update the app, these terms, or stop offering the service at any time. If we make a material change to these terms, we'll update this page and, where it matters, let account holders know. Continuing to use KeaBudget after a change means you accept the updated terms.

Governing law

These terms are governed by the laws of New Zealand.

Contact

Questions about these terms? Email hello@keabudget.co.nz.