1. Terms and Conditions –
    Last updated 08 March 2020

1.1 Acceptance of terms of conditions:
When you visit this website or choose to access or use any of the tools or resources on this website you agree to such use being bound by these terms and conditions. If you do not agree with these terms then you should not use or rely on any of the tools or resources of this website.

1.2 Changes to terms and conditions:
At any time these terms and conditions may be amended in whole or in part. Amendments to this website are effective immediately. It is your responsibility to keep up to date with the latest terms and conditions on the website. Continued use of the website is acknowledging you accept the terms that are in place at the time of use and any decision not to keep up to date with amendments or changes by you will not provide provision for liability to be transferred to Moneytrainer or any of its employees, representatives or any third party accessed through connecting from the Moneytrainer website.

1.3 Notice of change to Terms and Conditions:
We will not provide separate notice of changes or highlight / identify a specific change however we will always have appearing at the top of the Terms and Conditions the most recent date that applies. Please check this date and if you have not checked the Terms and Conditions since the shown date please familiarize yourself with the current Terms and Conditions that apply.

2 Terminology:
The following provides meaning to various terms and words used within these Terms and Conditions

“Tools” or “Resources” refer to any online calculators, articles or other information provided or accessible through this website
“Member” means a registered member of the website;
“Services” means those services offered through the website;
“Moneytrainer” means the Moneytrainer system;
“We”, “Us” and “Our” refers to Moneytrainer, its employees, contractors and licensees;
“You” or “Your” refers to you;
“Website” means www.moneytrainer.co.nz unless used as a reference to linking to a third party website

3 No Warranty or Liability:

3.1 Everything accessible through use of this website including but not limited solely to the tools, resources or services is provided by Moneytrainer to you or members of the website with the intention to assist you or its members in becoming better informed and therefore engage in well thought out financial habits or behavior. Your use of tools, resources or services available or obtained from this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.

3.2 Moneytrainer does not (and will not) provide to you or its members investment advice. It is important for you to be aware Moneytrainer does NOT replace advice that you may need to seek (at your own cost) from independent 3rd parties such as (but not limited to) accountants, lawyers, brokers and financial planners.

3.3 Moneytrainer takes all reasonable attempts to ensure that information on this website is reliable and accurate at the time of publishing. Should Moneytrainer be advised of inaccurate content by a suitably qualified professional Moneytrainer shall immediately remove such content.

3.4 Moneytrainer does not accept any liability:
For any loss or damage whatsoever which may arise in any way out of the use of any of the tools, application of information, resources or services available through this website.
For errors in or omissions from the tools or resources;
For the accuracy of any information obtained through this website;
For any advice or information obtained and used by you through this website whereby you have linked through to a third party.

3.5 At your own risk:
You are personally responsible for entering all your details into the online calculators and tools, accordingly this is done by you entirely at your own risk. You expressly agree that Moneytrainer is not responsible or liable for any loss or damage caused due to discrepancies related to data entry and the consequential decisions that you make based on the use of the online calculators and tools. Due to the inability for Moneytrainer to ensure that all detail entered into our online calculators and tools are accurate and correct at the time of entry you acknowledge that this is done entirely at your risk. The results displayed are indicative only and should not be relied on without seeking further advice from either Moneytrainer or other professional advisers.

3.6 In situations where you seek further advice from Moneytrainer all reasonable endeavors will be made by Moneytrainer to assist you to become better informed in order that you can seek further professional or independent advice where it may be required however due to the vast variations in personal finances you also acknowledge that should further advice be undertaken from Moneytrainer that you indemnify Moneytrainer from any loss whether financial or other and that no liability or compensation shall be forthcoming or attributed to Moneytrainer.

3.7 Disclaimer: You expressly understand and agree that:
A. Responsibility for the content of advertisements (if any) appearing on this web site (including hyperlinks to advertisers’ own websites) rests solely with the advertisers. Such advertisements may appear from time to time on the web site however this in no way constitutes a recommendation or endorsement by Moneytrainer of the advertised product or service. Each advertiser is solely responsible for any representation made in connection with its advertisement and product/service.
B. Refunds Policy: Careful selection of products or services available via this website is important. Please select carefully if you are intending on purchasing any resources or services.
Refund and cancellation terms are provided in full at time of confirmation of services rather than noted here in the ‘Terms and Conditions’ section due to the variance in policies that range between products and services.
To the full extent permissible by law we do not provide any refunds in regard to payments received from you unless expressly stated at the time of confirmation.
C. Login Information: You are solely responsible for keeping your login information, including your password, secret and secure.
D. Banking Information: No bank account or credit card information is stored on our system. Transactions are performed through the “STRIPE” secured site and not through the Moneytrainer website.
E. Response time: we endeavor to respond as soon as possible however like every business from time to time we may be delayed in responding. If you have not received a response within our reply time (two working days) then please contact us through our contact page on this website.

4 General Provisions

4.1 Spending Planner results are not exact:
They are designed to represent a general picture of a users financial situation based on the details provided by the user and then compared with general information and anticipated outcomes based on an ongoing collection of results through working with individuals and families. If you disagree your comments help us to adjust these. You are not required to comment however any feedback you do provide either by way of completing a survey, answering a specific question or other means will be done so without need for any personal information that may identify you.

4.2 System Integrity:
Moneytrainer will use its reasonable endeavours to ensure the availability of the web site and services, subject to any downtime required for maintenance. However, Moneytrainer does not take any responsibility for any system unavailability, or for any loss that is incurred by you as a result of web site or services being unavailable. Moneytrainer also accepts no liability for any corruption of any data that you may have provided to Moneytrainer.

4.3 Force Majeure:
There is no liability on the part of Moneytrainer for any lack of performance, failure or availability of the services or the web site, where the same arises from any cause that can reasonably be seen to be beyond the control of Moneytrainer.

4.4 No Waiver:
If Moneytrainer does not enforce a right then this non-enforcement of such right does not constitute a waiver of any such right

4.5 Partial Invalidity:
In the event that these terms and conditions or any part of these terms and conditions is or are held to be illegal, unenforceable or invalid for any reason whatsoever then such part of the terms and conditions shall be deemed to be severed from the remaining terms and conditions and the remaining terms and conditions shall continue in full force and effect.

4.6 Governing Law:
These terms and conditions are governed by the laws of New Zealand. You submit to the non-exclusive jurisdiction of the Courts of New Zealand.

4.7 Copyright:
The material on this website is protected by copyright. Copyright in all the information is held by Moneytrainer NZ. Permission is granted for you to view the material on this website and to save the material for your personal reference. You should not further copy, modify, use or distribute the material in any way unless you obtain written permission from Moneytrainer by contacting us through our contact page on this website.

4.8 With regard to clause 4.7 you are permitted to distribute information via the use of links to social media or third party use however only when done without modification.

5 Privacy Policy
This policy sets out how and when we collect, hold, use and disclose your personal information.

5.1 We may modify or amend this policy at any time and for any reason.
By using this site you consent to our handling of your personal information in accordance with this policy (as amended from time to time).

5.2 Collection: We may collect personal information about you:
A. When you provide information to us directly, for example, by you sending us an email inquiring about information relating to us or our products or services.
B. Through your use of this site and the services and functionality offered through it.

6 Use: We will only use personal information about you for the following reasons:

6.1 To improve the products and services we offer through this site.

6.2 To respond to your queries.

6.3 To add to our Moneytrainer database so we may inform you of specials, promotions, offers and events via email or post.

6.4 Any other reasons which we may notify you of at the time the information is collected.

7 Disclosure: We may share your personal information:

7.1 To our internet service providers (e.g. in order to store the information).

7.2 Where the disclosure is in connection with one of the purposes for which the information was collected.

7.3 Where we are required or authorized by law to make disclosure.

7.4 Except as provided above, we will not share your personal information with any other third parties. We may provide overall statistics about users, site use, demand for relevant products, services, facilities and information, traffic patterns, and related site information to reputable third parties; however, these statistics will not include any information which personally identifies you.

7.5 Retention and Security:
We will not hold your personal information for longer than is required for the purpose(s) for which it was collected. We will ensure that security safeguards protect the information and we will take all reasonable steps to ensure that information will not be disclosed to any unauthorized person or organization.

7.6 Access and Correction:
We will take all reasonable steps to ensure that personal information held by us is accurate and up-to-date. You are entitled to obtain from us confirmation as to whether or not we hold personal information about you and you are entitled to reasonable access to this information. You may also request:

7.6.1 That we correct this information if it is inaccurate; and

7.6.2 That your details do not appear on our database.
You can make changes to your personal information by contacting us through our contact page on this website.

8 Email Policy:
We only email you if you want us to. We do not send unsolicited emails. When you register your email address with us, you choose to receive email announcements about services and promotions from us. Every email message we send includes an email address to which you can respond. If at any time you decide you do not want to receive our emails, simply request your details be removed through any ‘Unsubscribe’ option indicated in our communication or reply and in the subject line type the words “unsubscribe”.