Mahere Pūtea Terms of Use

Effective date: 9 November 2026

1. About these terms

These terms are an agreement between you and Deliah Gidget Hudson (sole trader, trading as Mahere Pūtea), NZBN 9429048834070 (we, us), for your use of Mahere Pūtea (the App) at maherepuutea.nz. By using the App you agree to these terms. You must be 18 or over to have an account or buy a paid plan. People under 18 can use the free trial with help from a parent, guardian or support worker.

2. What the App does

The App helps you plan a budget, laid out in the same steps as the Work and Income budget worksheet, and track your money over time. It works whether your income comes from a benefit, NZ Superannuation, wages or a mix.

3. Plans

• Free trial: full use of the App for 7 days from the day you start. You can build, print, save and share your budget during the trial. You need to give us your name and email to start.

After 7 days: the App locks until you choose a paid plan or use an access code. Anything you printed, saved or shared during the trial stays with you.

• Access code: a support service may give you a code that unlocks the App for the time they paid for, usually 12 months. The code is a gift from that service and has no cash value.
• Paid plan: $4.99 a month or $49 a year. Payment is taken automatically each month or year until you cancel.
• Kaimahi access: provided to staff of organisations under a separate Organisation Licence Agreement.

4. Payments and cancelling

Prices include GST if we are GST registered. You can cancel at any time in the App and your plan continues until the end of the period you have paid for. We do not give refunds for part periods, except where the law requires it. We will give you at least 30 days notice before any price change, and you can cancel before it applies and get a refund for any unused part of a period you have paid for. If you have a yearly plan, we will remind you by email at least 14 days before it renews. You can cancel in the App the same way you signed up. If you stop paying, the App locks. Your budget stays on your device so you can come back.

5. MSD and Work and Income information

The App shows Work and Income rules, rates and forms as a guide. We check them regularly and show the date each item was last checked, with a link to the official page. Rules and rates change, often on 1 April each year. Always check the official link or call Work and Income on 0800 559 009 before relying on them. Work and Income decides what you are entitled to, not the App.

6. Not financial advice

The App is a budgeting tool. It does not give financial advice and is not a financial adviser service.

7. Your responsibilities

You agree to:

• enter information that is true to the best of your knowledge, especially in a budget given to MSD or a housing provider
• only store information about other people with their permission
• not try to break into, copy, resell or misuse the App

8. Updates

We update the App to add features, fix problems and keep MSD information current. Updates never give us the ability to read your budget. We may change these terms and will tell you in the App at least 30 days before a change that affects you. If you do not agree with a change, you can cancel before it takes effect and get a refund for any unused part of a period you have paid for.

9. Your consumer rights

If you use the App for personal use, you have rights under the Consumer Guarantees Act 1993 and the Fair Trading Act 1986. Nothing in these terms takes those rights away. If you use the App for a business, including as kaimahi, the Consumer Guarantees Act 1993 does not apply, as allowed by section 43 of that Act.

10. Limits on our responsibility

To the extent the law allows, we are not responsible for decisions you make based on your budget, or for MSD or housing decisions. Where the law allows us to limit our responsibility, our total responsibility to you is limited to the amount you paid us in the 12 months before the problem. This limit does not apply to loss caused by our negligence, fraud or a breach of the Privacy Act 2020.

11. Ending your use

You can stop using the App and delete your account at any time. We may suspend an account that breaks these terms, after telling you why, unless the law or safety requires us to act straight away.

12. Law and disputes

These terms are governed by New Zealand law. If you have a complaint, email [email protected] and we will try to fix it within 10 working days. If we cannot agree, either of us can take it to the Disputes Tribunal or the New Zealand courts.

13. Partner offers

The App may show labelled offers from partners we choose. We may earn a fee if you take up an offer, and every offer says so. Taking up an offer is your choice and is a separate agreement between you and the partner. Partner offers are not financial advice and are not a recommendation that a product suits you. We never show offers from lenders or buy now pay later services.

14. General

If a court finds part of these terms cannot be enforced, the rest still applies. If we do not enforce a term straight away, we can still enforce it later. You cannot transfer your account to someone else. We may transfer the App and these terms to a new owner on the same terms. We will tell you first, the privacy promise in our Privacy Policy goes with it, and you can cancel and get a refund for any unused part of a period you have paid for.

15. Contact

Deliah Gidget Hudson (sole trader, trading as Mahere Pūtea), [email protected].