Terms of use

1. About these terms

These terms are between you and Rowl Limited, the New Zealand company that runs Worthberry ("we", "us"). By creating an account you agree to them. Our privacy policy explains how we handle your information.

2. The private beta

Worthberry is in private beta. It's free while the beta runs. Features may change, and there may be bugs or interruptions. We'll give you at least 30 days' notice before we end the beta or introduce charges, and you'll never be charged without agreeing to it first.

3. Your account

• You must be 18 or over and living in New Zealand.
• Keep your password private and turn on two-step sign-in. Tell us straight away at hello@worthberry.co if you think someone else has used your account.
• Use Worthberry for your own finances, or a household's with their permission.

4. Information, not financial advice

Worthberry shows you information about your money, such as balances, spending, projections and reminders. It doesn't recommend financial products or tell you what to do, and it isn't financial advice under the Financial Markets Conduct Act 2013. Projections, such as KiwiSaver at 65, are estimates based on assumptions that may not come true. For advice about your situation, talk to a licensed financial adviser.

5. Where the figures come from

Balances and transactions come from your banks and providers through Akahu, from statements you upload, from public blockchains and price services, and from what you enter. They can be delayed, incomplete or wrong. Check anything important with the original source before acting on it.

6. Linking your accounts

Linking uses Akahu, an independent New Zealand open banking provider. When you link, you agree to Akahu's own terms and give consent through them.

Access is read-only: Worthberry can't make payments or move money. Banks ask you to renew your consent from time to time. You can disconnect in Worthberry, or withdraw consent with Akahu, at any time.

7. Fair use

Don't misuse Worthberry. That includes trying to access other people's data, getting around security, overloading the service, scraping it, or using it for anything unlawful. Our acceptable use policy has the detail. We may suspend accounts that break it, and will tell you why where we can.

7a. Paid plans

Paid plans renew each month or year until you cancel. Our subscriptions and refunds policy explains billing, cancelling, refunds and your cooling-off rights, and forms part of these terms.

8. Your data

Your financial data is yours. You give us permission to store and process it only to run Worthberry for you. You can export it or delete your account at any time from Settings.

9. Our responsibility to you

If you use Worthberry as a consumer, you have rights under the Consumer Guarantees Act 1993 and the Fair Trading Act 1986 that these terms don't take away. If you use Worthberry for a business, the Consumer Guarantees Act doesn't apply, and you agree that it's fair and reasonable for that to be the case.

To the extent the law allows, we aren't liable for losses caused by decisions made using information in Worthberry, by errors or delays in data from third parties, or by interruptions to the service. Where we are liable, and the law allows us to limit it, our total liability is limited to NZ$100.

10. Ending your use

You can stop using Worthberry and delete your account at any time. We may close accounts that break these terms, or end the service with at least 30 days' notice so you can export your data.

11. Changes to these terms

We'll tell you about important changes by email or in the app before they take effect. If you keep using Worthberry after that, the new terms apply.

12. Which law applies

These terms are governed by New Zealand law, and New Zealand courts can hear any dispute about them. Our complaints page explains how to raise a problem with us first.

Contact

Questions about these terms: hello@worthberry.co.