Last updated: 24 August 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: [email protected].
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 we will tell you, and we will refund any part of a prepaid period that relied on it. Beyond that, a third party's withdrawal does not create a separate entitlement to compensation — but nothing in this paragraph affects your rights under section 12.
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.
Parts of Steady are powered by AI, and we think you should always know which parts. The coach you talk to on the Ask screen is an AI, not a person. AI also writes your weekly summary, the wording of some notifications, and the category suggestions on your transactions.
Those features run on Anthropic's Claude API. When you use them 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.
Separately, the decorative photo on a savings goal card is generated by Google's Gemini API from the goal name you typed, and nothing else. Goal names are free text, so avoid putting anything in one you would not want sent to Google.
AI gets things wrong. Treat what the coach tells you as a starting point you can check, not as a finding of fact — the numbers on your other screens come from your bank and are the authoritative version.
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 are not covered by the guarantee, 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.
Some of what you type in Steady is visible to other people: your display name, the names of goals you share, anything you post to the activity feed, and comments you leave on a friend's activity. We call that Shared Content. Your transactions, balances, budgets and conversations with the coach are never Shared Content — those stay yours.
You keep ownership of your Shared Content. You give us permission to store it, display it to the people you have shared it with, and back it up — nothing more. We do not use it to advertise, we do not sell it, and we do not show it outside your friends.
When you post Shared Content you confirm it is yours to post, that it does not breach anyone else's rights, and that it follows our Acceptable Use Policy.
Other people's content is theirs, not ours. We do not pre-screen what other users write, we do not endorse it, and we are not responsible for it. We do filter for abusive language automatically, and we can remove content or restrict an account when something breaches these Terms or the Acceptable Use Policy.
If something posted on Steady harms you, email [email protected] with a link to the content and what is wrong with it. We handle complaints under the process in the Harmful Digital Communications Act 2015: we pass your complaint to whoever posted the content, give them a short window to respond, and remove the content if they agree to removal or do not reply. We will tell you the outcome. You can also complain directly to Netsafe, the approved agency under that Act.
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. We cannot contract out of those Acts for a personal customer, and we are not trying to. If the Service does not meet the guarantees in them, you have the remedies they provide, and they sit on top of everything else in these Terms. Where any other clause here would conflict with them, they win.
What we do promise: to exercise reasonable care, skill and diligence in providing the Service. What we do not promise: an uninterrupted or error-free Service, that it will meet every purpose you have in mind, or that data we receive from third parties such as your bank is complete or accurate.
Read this alongside section 12. The limits below apply only to the extent the law allows, and never to the guarantees you have under the Consumer Guarantees Act.
Subject to that, our maximum total liability to you for any 12-month period is whichever is greater: the amount you paid us in fees during that period, or NZ$1,000. The floor is there deliberately — most people use Steady for free, and a cap tied only to fees paid would mean no remedy at all for them.
We are not liable for indirect, consequential, or special losses (such as loss of profit, savings, business, data, or goodwill).
None of these limits apply to liability for personal injury or death, fraud, wilful misconduct, breach of confidentiality by us, or our breach of the Privacy Act 2020.
This section is deliberately narrow. It covers three things only, all of them entirely within your control:
If one of those causes a third party to bring a claim against us, you agree to cover the reasonable costs we actually incur in dealing with it. It does not extend to ordinary use of Steady, to anything we caused or contributed to, or to anything covered by your rights in section 12. We will tell you promptly about any claim, let you have a say in how it is handled, and not settle it without asking you first.
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. That cancels any active Stripe subscription, revokes your Akahu bank connections, deletes your Clerk authentication account, and removes your Data from our live systems straight away. Copies in encrypted backups age out within 90 days. Two things survive on purpose, and only these two: records we are required by law to keep (such as tax records of payments), and a record that your email address has unsubscribed — so that deleting your account does not accidentally undo a request to stop emailing you. Our Privacy Policy sets both out.
Shared goals. If you delete your account while you are part of a goal shared with someone else, your contributions to it are removed and your participation is anonymised. The goal itself stays with the other person — it is their record too, and we will not delete it out from under them.
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 posting content that breaches third-party rights). We will give you reasonable notice and a chance to put it right, unless the breach is serious enough to require immediate action. If we terminate your account, you can still export your data, and we will refund any prepaid period you have not used unless the termination was for a serious breach.
If we stop running Steady. We can discontinue the Service, or a paid tier of it. If we do, we will give you at least 30 days' notice by email, keep the export working for that whole period, and refund the unused part of anything you have prepaid.
What survives. Sections 9 (intellectual property), 11 (confidentiality), 12 (consumer rights), 13 (liability), 14 (indemnity) and 16 (resolving disputes) continue to apply after your account ends.
There is no arbitration clause in these Terms, and you never have to give up your right to go to court. New Zealand law would not enforce a clause like that against a personal customer anyway, so we have not written one.
If something goes wrong, here is what we suggest instead:
For privacy complaints you can also go straight to the Office of the Privacy Commissioner, and for anything posted by another user, to Netsafe.
Email [email protected]. 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.