ApexMoney is an educational and financial organisation tool designed to help users better understand, structure, and manage their household cashflow.
The platform may provide tools, dashboards, calculations, reports, prompts, educational content, account-structure guidance, budgeting support, savings tracking, general financial organisation features, and access to MoneyMap Coaching Sessions.
The information, tools, calculations, dashboards, reports, prompts, projections, and educational content provided through the self-service ApexMoney platform are general in nature only.
They are designed to help users organise, understand, and model their household finances. They are not intended to be, and should not be treated as personalised financial advice or a substitute for professional advice.
This includes, but is not limited to:
ApexMoney does not make personal recommendations about financial products, mortgage structures, KiwiSaver providers, investment funds, insurance products, tax structures, or legal arrangements.
ApexMoney is designed to support financial education, cashflow organisation, budgeting, savings structure, account allocation, and household money management.
The platform may help you understand:
However, the platform does not replace personalised professional advice.
ApexMoney does not take into account all of your personal circumstances, objectives, financial situation, legal position, tax position, risk tolerance, lending position, product suitability requirements, insurance needs, or long-term financial planning needs.
Any calculations or outputs produced by the platform are based on the information you enter and are intended to assist with financial organisation and education only.
You should not make financial, legal, tax, mortgage, investment, KiwiSaver, insurance, or other important decisions based solely on information generated by ApexMoney.
Before making important decisions, you should consider whether personalised advice is required.
Where personalised advice is required, you should speak with an appropriately qualified professional.
This may include:
The appropriate professional will depend on your circumstances and the type of advice required.
ApexMoney may offer users the ability to book a MoneyMap Coaching Session.
MoneyMap Coaching Sessions are designed to provide practical help using ApexMoney. This may include help understanding your dashboard, setting up your account structure, organising bills and spending, identifying financial pressure points, and understanding how to use the platform more effectively.
MoneyMap Coaching Sessions are educational and organisational in nature. They do not include personalised recommendations about financial products, mortgage structures, KiwiSaver providers, investment funds, insurance products, tax structures, legal arrangements, or any other regulated financial advice matter.
Coaching sessions do not include the selection, recommendation, application for, or implementation of any financial product.
If, during a coaching session, it appears that you may need personalised financial advice, you may be referred to a licensed financial adviser or another appropriately qualified professional. Any such advice will be provided separately from ApexMoney and may be subject to separate fees, disclosures, terms of engagement, and advice processes.
ApexMoney may provide links, buttons, prompts, or referral pathways to third-party advice providers, including My Wealth, where users choose to request personalised advice.
Any advice provided by My Wealth or another adviser is separate from the self-service ApexMoney platform and is subject to that adviser's own licensing arrangements, disclosure obligations, advice process, scope of service, fees, and terms of engagement.
ApexMoney does not guarantee that any adviser will accept you as a client, provide advice, recommend a particular product or strategy, or achieve any particular outcome.
If you request a coaching session or personalised advice review through ApexMoney, you authorise ApexMoney to collect and share the contact details and request information you submit with the relevant coaching or advice provider for the purpose of responding to your request.
Any information sharing will be handled in accordance with the ApexMoney Privacy Policy.
ApexMoney is not an emergency financial hardship service, crisis support service, debt negotiation service, insolvency service, or substitute for professional budgeting, legal, tax, or financial advice.
If you are experiencing urgent financial hardship, legal issues, debt collection, insolvency concerns, or inability to meet essential living costs, you should seek appropriate professional support as soon as possible.
ApexMoney relies on the accuracy and completeness of the information entered by users.
If the information entered is incomplete, inaccurate, or out of date, the outputs, calculations, dashboards, reports, prompts, and summaries generated by the platform may also be incomplete, inaccurate, or unsuitable for decision-making.
Users are responsible for checking and updating their information regularly.
Any calculations shown in ApexMoney are estimates only.
They may include estimates relating to:
These calculations are designed to support understanding and organisation. They should not be treated as guaranteed outcomes or personalised advice.
The ApexMoney Financial Fitness Score is an educational indicator only.
It is intended to help users identify areas of strength and areas that may require attention. It is not a credit score, lending assessment, investment risk profile, insurance needs analysis, or financial advice recommendation.
ApexMoney does not calculate PAYE, income tax, ACC levies, KiwiSaver deductions, student loan deductions, child support, secondary tax, provisional tax, GST, or any other tax position.
Users should enter take-home pay, meaning the amount that actually lands in their bank account after tax and deductions.
For tax advice, users should speak with an accountant or tax adviser.
ApexMoney does not provide legal advice.
The platform does not assess legal ownership, relationship property matters, trusts, estate planning, wills, contracting arrangements, asset protection, company structures, or other legal issues.
For legal advice, users should speak with a lawyer.
By using ApexMoney, you acknowledge that: