Terms of Use

Acceptance of Terms

By creating an account or using the Tahi platform (the "Platform"), including the website at tahiwealth.co.nz and the Tahi mobile and web application, you agree to be bound by these Terms of Use. If you do not agree, please do not use the Platform. These terms apply to all users, including users who connect a financial adviser through the Platform.

About Tahi

Tahi Wealth Limited ("Tahi", "we", "us") is a New Zealand company that provides a personal finance platform to help you view, organise, and understand your financial position. Tahi connects to your bank accounts via Akahu (an open banking data provider) and displays your financial data in one place.

Tahi also provides a platform through which licensed financial advisers can, with your consent, access your financial data and record advice.

Not Financial Advice

The tools, calculators, projections, and content provided by Tahi are for general informational and educational purposes only. They do not constitute financial advice, investment advice, or any other regulated financial service under the Financial Markets Conduct Act 2013.

Tahi Wealth Limited is not a Financial Advice Provider (FAP) and does not provide personalised financial advice. Nothing on the Platform takes into account your individual financial situation, goals, or risk tolerance.

If a licensed financial adviser is connected to your account through the Platform, that adviser operates independently under their own FAP licence. Any advice they provide is their responsibility and is governed by the Financial Markets Conduct Act 2013. Tahi is not a party to and takes no responsibility for any advice given by connected advisers.

Account Registration

To use the Platform you must:

• •Be 18 years of age or older
• •Be a resident of New Zealand
• •Provide accurate and complete information when creating your account
• •Keep your login credentials secure and not share them with others

You are responsible for all activity that occurs under your account. You must notify us immediately at support@tahiwealth.co.nz if you believe your account has been compromised.

Bank Account Linking

Tahi uses Akahu to connect to your bank accounts. By linking a bank account you authorise Akahu to retrieve your account balances and transaction data on your behalf and share that data with Tahi.

This connection is read-only. Tahi and Akahu cannot initiate transactions, move money, or change any settings on your bank accounts.

Your use of Akahu is also subject to Akahu's own terms and privacy policy. You can disconnect your bank accounts at any time from within the Platform. Disconnecting will stop future data retrieval but historical data already retrieved will be retained in accordance with our Privacy Policy until you request deletion.

Adviser Access and Consent

You may choose to connect a licensed financial adviser to your Tahi account. By granting an adviser access you authorise them to view your financial data on the Platform, including your bank balances, transaction history, KiwiSaver data, investment holdings, mortgage information, and insurance policy records.

Your adviser cannot make any changes to your accounts, initiate transactions, or access data outside the Platform. The full scope of adviser access is described in our Adviser Data Sharing Disclosure.

You can revoke an adviser's access at any time from within the Platform. Revocation takes effect immediately.

Tahi does not conduct due diligence on the qualifications, competence, or ongoing fitness of financial advisers who access the Platform. It is your responsibility to satisfy yourself as to an adviser's credentials before granting access. Tahi reserves the right to suspend or terminate an adviser's access immediately upon becoming aware of a material regulatory finding, censure, suspension, or other adverse action against that adviser by the Financial Markets Authority (FMA) or any other applicable regulatory body. Where we take such action we will notify affected users as soon as practicable.

Subscriptions and Billing

Tahi offers a paid subscription tier ("Tahi Summit") that unlocks additional features. By subscribing you agree to the applicable subscription fees, which are charged in advance on a recurring basis.

• •Subscription fees are in New Zealand dollars (NZD) and are inclusive of GST where applicable
• •You may cancel your subscription at any time. Cancellation takes effect at the end of the current billing period and no refund is provided for unused time
• •We reserve the right to change subscription pricing with at least 30 days notice

Acceptable Use

You must not use the Platform to:

• •Breach any applicable New Zealand or international law or regulation
• •Impersonate any person or misrepresent your identity or affiliation
• •Attempt to gain unauthorised access to any part of the Platform or its systems
• •Scrape, crawl, or extract data from the Platform by automated means
• •Upload or transmit viruses or any other malicious code
• •Use the Platform in any way that could damage, disable, or impair it

Third-Party Services

The Platform relies on third-party services including:

• •Akahu Limited for open banking data connectivity
• •Auth0 (Okta) for identity and authentication
• •Amazon Web Services (AWS) for cloud hosting and data storage

Tahi is not responsible for the availability, accuracy, or conduct of these third-party services. Your use of those services is subject to their respective terms and policies.

Intellectual Property

All content on the Platform, including text, graphics, logos, interface design, and software, is owned by or licensed to Tahi Wealth Limited and is protected under New Zealand and international copyright law. You may not reproduce, distribute, or create derivative works from any Platform content without our prior written consent.

Disclaimer of Warranties

The Platform is provided "as is" and "as available" without warranty of any kind. To the extent permitted by law, Tahi expressly disclaims all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the Platform will be uninterrupted, error-free, or free from viruses or other harmful components. Financial data displayed on the Platform is retrieved from third-party sources and may not always be accurate, complete, or current.

Limitation of Liability

To the maximum extent permitted by New Zealand law, Tahi Wealth Limited and its directors, employees, and agents will not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of, or inability to use, the Platform or any content or advice accessed through it. This includes any loss arising from reliance on financial data, calculator outputs, projections, or adviser communications facilitated through the Platform.

Tahi does not verify the completeness or accuracy of financial information you upload or connect to the Platform. To the extent that an adviser provides advice based on information that is incomplete, inaccurate, or not reflective of your full financial position, Tahi accepts no liability for any loss arising from that advice.

Any financial advice provided by a licensed adviser through the Platform is that adviser's sole responsibility. Tahi accepts no liability for the content, quality, or outcome of any such advice, regardless of whether that advice was informed by data held on the Platform.

Termination

You may close your account at any time by contacting us at support@tahiwealth.co.nz.

We reserve the right to suspend or terminate your account if you breach these Terms or if we reasonably believe your use of the Platform poses a risk to us or other users. We will provide reasonable notice where possible.

Privacy

Your use of the Platform is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please read it carefully.

Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes by email or by a notice within the Platform. Your continued use of the Platform after any changes constitutes acceptance of the updated terms.

Governing Law

These Terms are governed by the laws of New Zealand. Any disputes arising under these terms will be subject to the exclusive jurisdiction of the New Zealand courts.

Contact Us

If you have any questions about these Terms, please contact us at support@tahiwealth.co.nz.