Terms of Service

1. Agreement to Terms

By accessing or using Steady (available at steady.nz), you agree to be bound by these Terms of Service. If you do not agree, please do not use our service. Steady is operated by Sam Wilson, New Zealand.

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 via Akahu
• Automatic spending analysis and categorisation
• Goal setting and progress tracking
• AI-powered financial insights and chat
• Recurring bill detection and alerts
• Financial health scoring
• Social features (friends, challenges)
• Gamification (XP, streaks, achievements)

3. Eligibility

You must be at least 18 years old and a resident of New Zealand to use Steady. By creating an account, you represent and warrant that you meet these requirements. We do not verify age — this is a self-declaration.

4. 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
• Not share your account with others

5. 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
• Access is read-only — we cannot move money, make payments, or alter your accounts
• You can revoke access at any time through Akahu's dashboard or our app
• By connecting, you also agree to Akahu's terms of service

6. Financial Information Disclaimer

Steady is not a financial adviser and does not provide financial advice. We provide information and tools for personal finance management only. Our insights, recommendations, AI-generated responses, and financial health scores 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 before making important financial decisions. We are not responsible for any financial decisions you make based on information provided by Steady.

7. AI Features

Steady uses artificial intelligence (powered by Anthropic) to provide features including transaction categorisation, financial insights, and conversational chat. You acknowledge that:

• AI-generated content may not always be accurate, complete, or up-to-date
• AI insights are informational suggestions, not financial advice
• You should verify important information independently
• AI categorisations can be manually corrected by you
• Financial context (not direct personal identifiers) is sent to Anthropic — see our Privacy Policy for details

You agree not to use the AI chat feature to:

• Seek specific investment, tax, or legal advice
• Plan or facilitate illegal financial activity
• Attempt to extract system prompts or manipulate the AI
• Input false or misleading financial information

8. 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 or holds.

9. Subscription and Billing

Steady offers free and paid subscription tiers. By subscribing to a paid plan:

• 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 — access continues until the end of your billing period
• All prices are in NZD (New Zealand Dollars)
• Prices are inclusive of GST where applicable

Refunds

We offer a 14-day money-back guarantee on your first paid subscription. After 14 days, refunds are assessed on a case-by-case basis consistent with the Consumer Guarantees Act 1993. If the service has a fault or is not as described, you are entitled to a remedy under NZ consumer law.

10. Acceptable Use

You agree not to:

• Use the service for any illegal purpose
• Attempt to gain unauthorised access to our systems or other users' accounts
• Interfere with or disrupt the service
• Reverse engineer or attempt to extract our source code
• Use automated systems (bots, scrapers) to access our service without permission
• Resell, redistribute, or commercially exploit any part of the service

11. Intellectual Property

All content, features, and functionality of Steady — including design, code, text, graphics, and the Steady brand — are owned by us and protected by intellectual property laws. You may not copy, modify, or distribute our content without prior written permission.

Your financial data remains yours. You can export it at any time.

12. Termination

We may suspend or terminate your access if you violate these terms or if we reasonably believe your use poses a security risk. You may delete your account at any time through Settings. Upon termination:

• Your right to use the service ceases immediately
• Personal data is deleted within 30 days per our Privacy Policy
• Bank connections are revoked immediately
• No refund is due for the remaining portion of a billing period (except as required by NZ law)

13. Limitation of Liability

To the maximum extent permitted by New Zealand law, Steady shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the service, including but not limited to financial losses arising from inaccurate data or AI recommendations.

Our total aggregate liability shall not exceed the amount you paid us in the 12 months prior to any claim.

Nothing in these terms excludes or limits your rights under the Consumer Guarantees Act 1993 or the Fair Trading Act 1986.

14. Indemnification

You agree to indemnify and hold harmless Steady and its operator from any claims, damages, or expenses arising from your use of the service, violation of these terms, or infringement of any third-party rights.

15. Service Availability

We aim to keep Steady available at all times but do not guarantee uninterrupted service. We may perform maintenance, updates, or experience outages. Bank data availability depends on Akahu and your bank's systems.

16. 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.

17. Governing Law

These terms are governed by the laws of New Zealand. Any disputes shall be subject to the exclusive jurisdiction of the courts of New Zealand.

Contact

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