Terms of Service

1. Who can use the App

You must be at least 16 years old and a resident of New Zealand to use the App. By using the App you confirm that you meet these requirements and that the information you provide is accurate.

You are responsible for keeping your login details secure and for all activity that happens under your account. Tell us promptly if you believe your account has been accessed without your permission.

2. What the App does

Stak is a personal budgeting and money-management tool. It lets you record income, expenses, budgets, bills, savings goals and similar information that you enter yourself, and it presents summaries, trends, reminders and estimates based on that information.

The App does not connect to your bank, move money, or make payments. All financial information in the App is entered manually by you or imported by you.

3. Not financial advice

The App is an informational tool only. Nothing in the App — including budgets, spending insights, forecasts, mortgage-readiness scores and loan repayment estimates — is financial, investment, tax, legal or other professional advice, and it must not be relied on as such.

Estimates and projections are illustrative, based on the data you enter and general assumptions. They may not reflect your actual circumstances or the terms any lender or provider would offer. Before making financial decisions you should seek advice from a licensed financial adviser or other qualified professional.

We are not a bank, lender, financial adviser, or registered financial service provider.

4. Your responsibilities

You agree to use the App only for lawful, personal, non-commercial purposes. You agree not to:

• attempt to access accounts or data that are not yours;
• interfere with, disrupt, or attempt to gain unauthorised access to the App or its infrastructure;
• reverse engineer, copy, or resell the App except to the extent the law allows; or
• use the App to store or transmit unlawful, infringing or harmful content.

You are responsible for the accuracy of the information you enter and for keeping your own records. We recommend you regularly export a copy of your data.

5. Your data and privacy

The information you enter belongs to you. We process it to provide the App as described in our Privacy Policy, which forms part of these Terms. Please read it to understand how your information is handled.

You can export or permanently delete your data at any time from within the App (Settings → Privacy & security).

6. Stak Plus subscriptions

Most of Stak is free to use and stays free. Stak Plus is an optional paid tier that unlocks additional features. You never have to subscribe, and if you do not, you keep using the free plan with everything you have already recorded.

New accounts get a 30-day free trial of Plus. The trial is provided by us, not by the app store: no payment method is required and nothing is charged. When it ends your account simply moves to the free plan. The first 50 qualifying accounts instead receive Plus free for one year, after which the same applies.

If you choose to subscribe, Plus costs NZ$9.99 per month or NZ$79.99 per year, including GST. Subscriptions are sold and billed by Apple through the App Store or by Google through Google Play, under their terms as well as ours. The price shown in the store at the time you subscribe is the price that applies.

A subscription renews automatically at the end of each billing period, and continues until you cancel it. Your store account is charged shortly before each new period begins.

Before each renewal we will tell you it is coming. We will send a reminder at least 3 days beforehand stating the amount, the renewal date and how to cancel, and we will show the same information on your plan in the App’s Settings for as long as the subscription is active. The reminder is sent both as a device notification and in the App itself; if you have turned notifications off, or your device does not receive one, the information remains available in Settings.

You can cancel at any time, and cancelling stops the next renewal. Because Apple and Google own the subscription, cancellation must be done in your App Store or Google Play account — we cannot cancel it for you from inside the App. Settings includes a link that takes you to the right screen. Cancel at least 24 hours before the renewal date, or the next period may already have been charged.

When a subscription ends, whether you cancel it or it lapses, your account moves to the free plan. You keep everything you have recorded; only the Plus features become unavailable.

Refunds for store purchases are handled by Apple or Google under their own policies, and we generally cannot issue them ourselves. If you believe something has gone wrong, contact us and we will help you take it up with the store.

If we change the price of an ongoing subscription we will give you advance notice through the App and, where the store provides it, through the store as well. A price change never applies to a period you have already paid for, and you can cancel before it takes effect.

Nothing in this section limits your rights under the Consumer Guarantees Act 1993 or the Fair Trading Act 1986, which cannot be contracted out of.

7. Availability and changes

We aim to keep the App available and reliable, but we provide it on an "as is" and "as available" basis. We may update, change, suspend or discontinue features at any time, and we may carry out maintenance that temporarily interrupts access.

We may update these Terms from time to time. If we make material changes we will ask you to review and accept the updated Terms in the App. Continuing to use the App after changes take effect means you accept them.

8. Disclaimers and limitation of liability

To the maximum extent permitted by law, we exclude all warranties not expressly set out in these Terms, and we are not liable for any loss arising from your use of, or reliance on, the App or any estimate, insight or figure it produces.

Nothing in these Terms limits rights you have under the New Zealand Consumer Guarantees Act 1993, the Fair Trading Act 1986, or other laws that cannot lawfully be excluded. Where our liability cannot be excluded but can be limited, it is limited to re-supplying the App or the cost of doing so.

9. Suspension and termination

You may stop using the App and delete your account at any time. We may suspend or terminate your access if you breach these Terms or use the App in a way that could harm other users, us, or third parties.

On termination, the sections of these Terms that by their nature should survive (including disclaimers, limitation of liability and governing law) continue to apply.

10. Governing law

These Terms are governed by the laws of New Zealand, and you submit to the non-exclusive jurisdiction of the New Zealand courts. This does not remove the protection of any mandatory consumer laws that apply to you.

11. Contact us

If you have questions about these Terms, contact us at contact@veloxpi.com.