These Terms and Conditions apply to your access to and use of ApexMoney.
By creating an account, accessing the platform, or using ApexMoney, you agree to these Terms and Conditions.
If you do not agree to these Terms and Conditions, you must not use ApexMoney.
In these Terms:
"Apex", "we", "us", or "our" means the owner and operator of ApexMoney.
"ApexMoney" means the online platform, dashboard, tools, calculators, reports, content, account-structure guidance, budgeting tools, and related services provided through the platform.
"User", "you", or "your" means any person who creates an account, accesses, or uses ApexMoney.
"Content" means any text, tools, dashboards, calculations, templates, reports, educational material, prompts, graphics, data, or other material available through ApexMoney.
"Subscription" means a paid plan that allows access to ApexMoney.
"MoneyMap Coaching Session" means a paid or unpaid coaching session offered through ApexMoney to help users understand and use the platform, organise their household money structure, and identify practical next steps. MoneyMap Coaching Sessions do not include personalised financial advice.
"Payment Provider" means any third-party payment processor used by ApexMoney, including Stripe or any replacement provider.
ApexMoney is an educational and financial organisation platform.
It is designed to help users organise household cashflow, budgeting, account structure, savings targets, and financial information.
ApexMoney is not a personalised financial advice service, legal advice service, tax advice service, accounting service, mortgage advice service, investment advice service, KiwiSaver advice service, or insurance advice service.
Please read the ApexMoney Disclosure Statement before using the platform.
ApexMoney provides general educational information and financial organisation tools only.
The platform does not take into account all of your personal circumstances, objectives, financial situation, legal position, tax position, risk tolerance, lending position, investment needs, insurance needs, or product suitability requirements.
You should not rely on ApexMoney as a substitute for personalised professional advice.
You are responsible for:
ApexMoney outputs are only as accurate as the information you enter.
To use ApexMoney, you may need to create an account.
You agree to provide accurate registration information and to keep your login details confidential.
You must not allow another person to use your account unless authorised by Apex.
You must notify us if you believe your account has been accessed without permission.
You must be at least 18 years old to create an account, subscribe to ApexMoney, book a MoneyMap Coaching Session, or use paid services through the platform.
By creating an account, you confirm that you are at least 18 years old.
ApexMoney may be provided on a paid subscription basis.
The subscription price, billing cycle, and payment terms will be shown before you subscribe. Unless otherwise stated, prices are in New Zealand dollars and may include GST where applicable.
By subscribing, booking a paid session, or purchasing any paid service, you authorise ApexMoney and/or its Payment Provider to charge the applicable amount using your selected payment method.
Payments may be processed by a third-party Payment Provider, such as Stripe. ApexMoney may not store your full card details. Payment processing will be subject to the Payment Provider's own terms, security processes, and privacy practices.
ApexMoney may change its subscription fees or paid service fees from time to time. Where reasonable, we will provide advance notice of material pricing changes.
Unless cancelled, your subscription may renew automatically at the end of each billing cycle.
You are responsible for cancelling your subscription before the renewal date if you do not wish to continue.
You may cancel your subscription through your account settings or by following the cancellation process provided by ApexMoney.
Cancellation will usually take effect at the end of your current billing period, unless otherwise stated.
After cancellation, you may continue to have access until the end of the paid period.
Subscription fees are generally non-refundable once a billing period has started, except where required by law or where Apex agrees otherwise.
Nothing in these Terms limits any rights you may have under laws that cannot legally be excluded.
ApexMoney may offer users the ability to book MoneyMap Coaching Sessions.
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.
If personalised financial advice is required, 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.
MoneyMap Coaching Sessions may require payment at the time of booking. Your booking is not confirmed until payment has been successfully completed, unless ApexMoney agrees otherwise.
If you need to cancel or reschedule a MoneyMap Coaching Session, you must do so within the timeframe shown at the time of booking. ApexMoney may decline to refund missed sessions, late cancellations, or no-shows, except where required by law or where ApexMoney agrees otherwise.
We aim to keep ApexMoney available and functioning, but we do not guarantee uninterrupted or error-free access.
The platform may be unavailable from time to time due to maintenance, updates, technical issues, third-party service outages, or events outside our control.
We may update, modify, suspend, or discontinue parts of the platform where reasonably required.
ApexMoney may generate calculations, dashboards, reports, summaries, scores, prompts, and projections.
These are estimates only and are based on the information entered by the user.
We do not guarantee that any calculation, output, report, projection, or score will be complete, accurate, suitable, or appropriate for your circumstances.
The Financial Fitness Score is an educational indicator only.
It is designed to support awareness and organisation. It is not a credit score, lending approval, investment recommendation, insurance needs analysis, or professional advice assessment.
ApexMoney may include buttons, links, or referral pathways allowing users to request personalised advice from My Wealth or another adviser.
Any advice provided by My Wealth or another adviser is separate from ApexMoney.
If you choose to engage an adviser, that relationship will be governed by the adviser's own disclosure documents, scope of service, fees, advice process, and terms of engagement.
ApexMoney does not guarantee that any adviser will provide advice, accept you as a client, or achieve any particular financial outcome.
If you request a personalised advice review through ApexMoney, you authorise ApexMoney to collect and share the contact details and request information you submit with the relevant adviser or advice provider for the purpose of responding to your request.
You must not:
All intellectual property in ApexMoney, including the platform design, branding, methodology, content, tools, templates, dashboards, calculations, reports, and educational material, is owned by Apex or licensed to Apex.
You may use ApexMoney for your personal household financial organisation.
You must not copy, reproduce, distribute, sell, modify, publish, or commercially exploit ApexMoney content without written permission from Apex.
You retain ownership of the personal and financial information you enter into ApexMoney.
You grant Apex permission to use that information for the purpose of providing, operating, maintaining, improving, and supporting the platform, in accordance with the ApexMoney Privacy Policy.
You may request access to, correction of, export of, or deletion of your personal information by contacting ApexMoney.
Cancelling your subscription does not automatically delete all information held in your account. ApexMoney may retain information where reasonably required for legal, operational, security, backup, accounting, dispute-resolution, or compliance purposes.
Requests relating to personal information will be handled in accordance with the ApexMoney Privacy Policy and applicable New Zealand privacy law.
ApexMoney may use third-party services, including hosting providers, authentication providers, payment processors, email tools, analytics providers, or adviser-referral services.
We are not responsible for the acts, omissions, outages, systems, or terms of third-party providers, except where required by law.
We will take reasonable steps to protect the platform and user information.
However, no online system can be guaranteed to be completely secure.
You are responsible for keeping your login details secure and for notifying us if you suspect unauthorised access.
To the maximum extent permitted by law, Apex is not liable for any loss, damage, cost, claim, or expense arising from:
Nothing in these Terms is intended to exclude, restrict, or modify any rights or remedies that cannot legally be excluded, restricted, or modified.
Nothing in these Terms limits any rights you may have under the Consumer Guarantees Act 1993, Fair Trading Act 1986, Privacy Act 2020, or any other law that cannot legally be excluded.
We may update these Terms from time to time.
If we make material changes, we may notify users by email, platform notification, or by requiring users to accept the updated Terms at next login.
Continued use of ApexMoney after updated Terms take effect means you accept the updated Terms.
We may suspend or terminate your access to ApexMoney if:
Where reasonable, we will give notice before suspension or termination.
These Terms are governed by the laws of New Zealand.
Any disputes relating to these Terms or ApexMoney will be subject to the jurisdiction of the New Zealand courts.
If you have questions about these Terms, contact:
ApexMoney Email: help@apexmoney.co.nz