Mahere Pūtea Privacy Policy

Effective date: 9 November 2026

1. Who we are

Mahere Pūtea (the App) is provided by Deliah Gidget Hudson (sole trader, trading as Mahere Pūtea), NZBN 9429048834070 (we, us). This policy explains how we handle personal information under the Privacy Act 2020. Our Privacy Officer is Deliah Gidget Hudson, contactable at [email protected].

2. Our promise

We built the App so that we cannot see your budget. Your budget, client details and anything you type into your budget stay on your own device. If we add a way to save your budget online, it will be encrypted on your device before it is sent, so only you can read it. We never sell, rent or share personal information for advertising or marketing.

3. Information we can see

We only collect what we need to run accounts and payments:

• Account details: your email address and the name you give us.
• Marketing choice: whether you have agreed to receive tips and updates from us.
• Plan details: your plan type, start and end dates, and any access code you used.
• Organisation details: for kaimahi accounts, the organisation you work for.
• Payment records: our payment provider, Stripe, processes card payments. We receive confirmation of payment and the last four digits of the card, never the full card number.
• Technical information: basic logs needed to keep the service secure and working, such as the date and time of sign in and error reports. These logs do not contain budget content.

To start the free trial you need to give us your name and email address. Without them we cannot set up your trial. A paid plan also needs payment details, which you give straight to Stripe.

Sometimes an organisation gives us a kaimahi's name and work email to set up their account. When that happens we email the kaimahi to tell them, with a link to this policy.

4. Information we cannot see

The following stays on your device and is never sent to us:

• income, costs, debts and budget results
• names, dates of birth, client numbers and other details of anyone whose budget is stored in the App
• notes, savings goals and budget history

5. Why we use your information

We use the information in section 3 only to create and manage your account, process payments, provide access codes, send service messages about your account, keep the App secure, and meet our legal obligations. We will only send marketing emails if you have agreed to receive them, and every such email will have an unsubscribe link, as required by the Unsolicited Electronic Messages Act 2007.

6. Where information is stored

The App is hosted by Cloudflare and payments are processed by Stripe. Their servers may be outside New Zealand. They store or process information on our behalf and may not use it for their own purposes. They do not hold your budget.

7. How long we keep it

We keep account and payment records while your account is open and for 7 years after, as required for tax records. Your budget is on your own device and you can delete it at any time in the App. When you close your account we delete your name and email within 30 days, except records we must keep for tax.

8. Information about other people

Kaimahi who store a client's budget must have that client's permission to collect and store their information, and must tell them how it will be used. The kaimahi's organisation is responsible for that information under the Privacy Act 2020. We cannot see it.

9. Security

We use secure connections (HTTPS) for everything sent to our servers and keep your budget on your own device. If a privacy breach happens that is likely to cause serious harm, we will notify the Office of the Privacy Commissioner and affected people as required by the Privacy Act 2020.

10. Requests from police, courts and government

We only release information when the law requires it, such as a court order or production order. We can only release the account and payment information in section 3. We cannot release budget information because we do not have it. Where the law allows, we will tell you about the request before we respond.

11. Partner offers

The App may show offers from partners we have chosen, such as cheaper power or phone plans. Every partner offer is labelled and says if we may earn a fee. Any matching of offers to your budget happens on your own device. We never send your budget information to a partner. If you click an offer, the partner only knows you came from the App, and their own privacy policy applies to anything you give them. We do not show advertising from ad networks, do not use tracking cookies for advertising, and never show offers from lenders or buy now pay later services.

12. Your rights

You can ask to see or correct the personal information we hold about you by emailing [email protected]. We will respond within 20 working days. Most of your information can be viewed and changed in the App yourself. If you are not happy with how we handle a privacy concern, you can complain to the Office of the Privacy Commissioner.

13. Changes to this policy

We will tell you in the App before any change to this policy takes effect. We will never change the App to read your budget.