These Terms of Service ("Terms") are an agreement between you and Automate AI Limited, a New Zealand company trading as Spendle ("Spendle", "we", "us", "our"). They govern your use of the Spendle app and website. By creating an account or using Spendle, you agree to these Terms. If you do not agree, please do not use Spendle. Please also read our Privacy Policy, which forms part of these Terms.
About Spendle
Spendle is a personal finance app that helps you understand your own money. It connects to your bank read-only through Akahu, works out a daily safe-to-spend number, and offers tools to help you save, plan and see your wider financial picture. Spendle is made in New Zealand for people living in New Zealand. Spendle does not hold, move, invest or lend your money. It reads your information to help you make sense of it.
Your rights as a consumer
If you use Spendle for personal use, you have rights under the Consumer Guarantees Act 1993 and the Fair Trading Act 1986. Nothing in these Terms limits or excludes those rights. Where any part of these Terms is inconsistent with a right you have under New Zealand consumer law, that law applies.
Not financial advice
Spendle is not a registered bank, lender, or licensed financial adviser. The information, figures and projections we provide are general in nature and indicative only. They are designed to help you understand your own situation, not to tell you what to do, and they are not a lending decision or a recommendation. For advice tailored to you, please speak to a qualified financial adviser, mortgage adviser, accountant or your bank.
Who can use Spendle
- You must be at least 18 years old and ordinarily resident in New Zealand.
- You must register for your own personal, non-business use, with accurate information that you keep up to date.
- You may hold one account for yourself. A household or partner view, where offered, is covered by these same Terms.
Your account and security
You are responsible for activity that happens under your account and for keeping your login details safe. Two-factor authentication is enforced on every account. Please let us know promptly at hello@spendle.co.nz if you think someone else has gained access to your account.
Connecting your bank
Bank and other account connections are provided through Akahu, New Zealand’s regulated open-banking provider, under Akahu’s own terms. The connection is read-only, so Spendle can see your transactions but can never move your money, and you can revoke the connection at any time. We are not responsible for the availability, accuracy or timeliness of data provided by your bank, by Akahu or by other third-party providers you choose to connect.
Third-party services
Spendle relies on third parties to work, including Akahu for bank connections, the app stores for mobile billing, and providers that power features such as our AI assistant. Your use of those services may be subject to their own terms, and we are not responsible for them or for any service they provide to you directly.
Plans and payments
- Spendle offers a Free plan and paid plans (currently Plus, Pro and Family). The Free plan is free to use, with no credit card required. All paid-plan prices are shown GST inclusive in New Zealand dollars.
- When you subscribe to a paid plan, billing begins at sign-up and the plan fee is charged then. The Free plan is free because there is nothing to pay.
- The Family plan gives everyone in a household access to Pro features on a single subscription. It covers the household owner and up to five other members, and only the household owner is billed.
- Paid subscriptions renew automatically, monthly or annually depending on the plan you choose, until you cancel.
- You can cancel a paid plan, or drop back to the Free plan, at any time in the app, or through your app store if you subscribed there. There is no lock-in contract. Cancellation takes effect at the end of your current billing period, and you keep access until then.
- If you subscribe through an app store, that store’s billing, renewal and cancellation terms also apply.
- To the extent permitted by law, fees already charged are non-refundable. This does not limit your rights under the Consumer Guarantees Act 1993, for example if the service fails a consumer guarantee.
- We will give you reasonable notice of any change to your plan price. If you do not accept it, you can cancel before the new price applies.
Your data and privacy
How we collect, use and protect your information is set out in our Privacy Policy. In short: your data is stored securely, encrypted in transit and at rest, and protected by strict access controls. We never sell your personal information to third parties, and we never share it for their own marketing. You can export or delete your data at any time.
Acceptable use
Please use Spendle lawfully and as intended. Do not attempt to disrupt or interfere with the service, access accounts or data that are not yours, reverse engineer or copy the app, or use Spendle to break the law or infringe anyone’s rights.
Our intellectual property
Spendle, including the app, website, brand and content, belongs to us or our licensors. We give you a personal, non-exclusive, non-transferable licence to use Spendle for your own personal finances while these Terms apply. Your own financial data remains yours.
Availability and liability
We work hard to keep Spendle reliable, but we cannot promise it will always be available, uninterrupted or error-free, and figures may sometimes be incomplete or out of date. We are not responsible for failures caused by events beyond our reasonable control.
To the extent permitted by law: Spendle is provided on an "as is" and "as available" basis; we are not liable for indirect or consequential loss, or for loss arising from your reliance on indicative figures or from third-party services; and our total liability to you for any claim is limited to the amount you paid us in the 12 months before the claim.
None of this limits your rights under the Consumer Guarantees Act 1993 or the Fair Trading Act 1986. Where those laws apply, they prevail over anything inconsistent in these Terms.
Suspending or ending your use
You can stop using Spendle and delete your account at any time. We may suspend or end access if these Terms are seriously or repeatedly breached, or if we need to for legal, security or operational reasons. If we end your access without cause, we will refund any prepaid fees for the period you can no longer use.
Changes to these Terms
We may update these Terms as Spendle grows or as the law changes. If a change is significant, we will give you reasonable notice. If you do not accept a significant change, you can cancel your subscription before it takes effect. Continuing to use Spendle after a change means you accept the updated Terms.
Concerns or complaints
If something is not right, please email hello@spendle.co.nz and we will work with you to put it right. If we cannot resolve it together, you may have options under New Zealand consumer law, including the Disputes Tribunal.
General
- These Terms and our Privacy Policy are the whole agreement between us about your use of Spendle.
- We may transfer our rights and obligations under these Terms, for example if our business is sold. Your rights are not affected, and you may not transfer yours without our agreement.
- If any part of these Terms cannot be enforced, the rest still applies.
- If we do not enforce a part of these Terms straight away, we can still enforce it later.
- You agree that we can communicate with you electronically, including by email and in the app.
Governing law
These Terms are governed by New Zealand law, and the New Zealand courts have non-exclusive jurisdiction over any dispute. This does not affect consumer rights you have under New Zealand law.
Contact
Questions about these Terms? Email hello@spendle.co.nz.