Terms of Service

1. Agreement to these terms

These Terms of Service (the “Terms”) govern your access to and use of the Savvy Duty website, applications, content, and services (together, the “Service”). By creating an account, subscribing, or otherwise using the Service, you agree to be bound by these Terms. If you do not agree, please do not use the Service.

2. Who we are

The Service is operated by Solid Axis Group Limited (NZBN 9429051604783, New Zealand Company Number 8914308), a company registered in New Zealand, trading as Savvy Duty (“Savvy Duty”, “we”, “us”, or “our”). Registered office: 6 William Lewis Drive, Sockburn, Christchurch 8042, New Zealand. Postal address: PO Box 8258, Riccarton, Christchurch, New Zealand. You can reach us at hello@savvyduty.com.

3. Eligibility

You must be at least 18 years old (or the age of majority where you live) to use the Service. By using the Service you confirm that you meet this requirement and that the information you provide is accurate.

4. Your account

You are responsible for safeguarding your login credentials and for all activity that happens under your account. Keep your password confidential and notify us promptly of any unauthorised use. We may suspend or terminate accounts that violate these Terms.

5. Subscriptions, billing, and trials

Some features require a paid subscription (for example, the Starter or Premium plans). By subscribing, you authorise us, through our payment provider Stripe, to charge the fee shown at checkout to your payment method at the start of each billing period until you cancel.

• The price, currency, billing interval, and any free-trial period are shown at checkout before you pay. Prices include any GST, VAT, or sales tax we are required to collect.
• Where a free trial is offered, we take your payment details at the start. Your trial converts to a paid subscription and you are charged automatically when it ends unless you cancel before then.
• If you move to a higher plan, the change applies straight away and you are charged the prorated difference for the rest of the current billing period. If you move to a lower plan, the change applies at the end of the current billing period.
• Founding-member pricing, where offered, stays at the same price for as long as your subscription remains active and paid. It ends if you cancel or your subscription lapses, and is not available again once the offer has closed.
• If a payment fails, we and our payment provider will retry it and let you know. If it still has not been paid after the retry period, your subscription may be cancelled and paid features will stop.
• We may change our prices. We will give you reasonable notice before a change affects your subscription, and you can cancel before it takes effect.

6. Cancellation and refunds

You can cancel at any time from Settings (Manage billing) or by emailing hello@savvyduty.com. Cancellation takes effect at the end of your current billing period, and you keep access to paid features until then. Except where required by law (including the Consumer Guarantees Act 1993 for consumers in New Zealand) or where we expressly offer one, fees already paid are non-refundable, including for partial billing periods.

7. Coaching content is not professional advice

The Savvy Method content, tools, and AI coaching are provided for educational and personal-development purposes only. They are not a substitute for professional medical, mental-health, financial, legal, or other professional advice, diagnosis, or treatment.

The AI coach is an automated tool and may produce information that is inaccurate, incomplete, or not suitable for your situation. Always use your own judgement and consult a qualified professional before making important decisions. If you are in crisis or may be a danger to yourself or others, contact your local emergency services or a crisis line immediately.

8. Financial features

If you connect a financial account, we use regulated open-banking providers to retrieve read-only information so we can display it to you. We do not move money on your behalf. Any budgeting, net-worth, or financial information in the Service is for informational purposes only and is not financial advice. You can disconnect a financial account at any time.

9. Acceptable use

When using the Service, you agree not to:

• Break the law or infringe the rights of others;
• Attempt to access accounts, data, or systems you are not authorised to access;
• Disrupt, overload, reverse-engineer, or probe the Service or its security;
• Upload malicious code or harmful, abusive, or unlawful content;
• Resell, scrape, or commercially exploit the Service or its content without our written permission.

10. Intellectual property

The Service, the Savvy Method, the books, the frameworks, and all related text, design, software, and trademarks are owned by us or our licensors and are protected by intellectual-property laws. We grant you a limited, personal, non-transferable, revocable licence to use the Service for your own non-commercial use, subject to these Terms.

11. Your content

You retain ownership of the content you create in the Service (such as goals, journals, check-ins, and messages). You grant us a limited licence to host, process, and display that content for the purpose of operating and improving the Service for you. We do not sell your personal content.

12. Third-party services

The Service relies on third-party providers (for example, AI, payment, email, hosting, and open-banking providers). Your use of those features may also be subject to the third party’s terms, and we are not responsible for third-party services.

13. Disclaimers

The Service is provided “as is” and “as available”, without warranties of any kind, whether express or implied, to the maximum extent permitted by law. We do not warrant that the Service will be uninterrupted, error-free, or that results from using it will meet your expectations.

14. Limitation of liability

To the maximum extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or goodwill, arising from your use of the Service. Nothing in these Terms limits any rights you have under mandatory consumer-protection laws.

15. Termination

You may stop using the Service at any time. We may suspend or terminate your access if you breach these Terms or if we discontinue the Service. On termination, the sections that by their nature should survive (such as intellectual property, disclaimers, and limitation of liability) will continue to apply.

16. Changes to these terms

We may update these Terms from time to time. If we make material changes, we will take reasonable steps to notify you. Your continued use of the Service after the changes take effect means you accept the updated Terms.

17. Governing law

These Terms are governed by the laws of New Zealand, and the courts of New Zealand will have non-exclusive jurisdiction, except where mandatory laws of your country of residence apply.

18. Contact us

Questions about these Terms? Email us at hello@savvyduty.com, or write to Solid Axis Group Limited, PO Box 8258, Riccarton, Christchurch, New Zealand.