Terms of Service

1. Acceptance of Terms

Welcome to Moniaro. These Terms of Service ("Terms") govern your access to and use of our website, applications, and services (collectively, the "Services") provided by Corvidae Limited ("we", "our", or "us"), a New Zealand registered company.

By creating an account or using our Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, you must not use our Services.

2. Our Services

Moniaro provides financial management and accounting software designed for New Zealand users, including but not limited to:

• Moniaro Books: Smart accounting and GST management.
• Moniaro Financial Insights: Financial analytics and forecasting.
• Moniaro Rental Tax: Tax management for property investors.

We reserve the right to modify, suspend, or discontinue any part of our Services. We will provide reasonable notice of any significant changes that may adversely affect you.

3. User Accounts

You must be at least 18 years old to create an account. When you register, you agree to provide accurate and complete information and to keep your account details secure. You are responsible for all activities that occur under your account.

4. Acceptable Use Policy

You agree to use our Services only for lawful purposes. You must not:

• Violate any applicable laws or regulations.
• Infringe on the intellectual property rights of others.
• Transmit any viruses, malware, or other malicious code.
• Attempt to gain unauthorised access to our systems or another user's account.
• Use our Services to harass, abuse, or harm others.
• Reverse engineer, decompile, or attempt to extract the source code of our software.

5. Data and Privacy

Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms. You retain ownership of all data you submit to the Services.

6. Payment and Billing

6.1 Subscriptions

Our Services are billed on a subscription basis. Fees are charged in advance on a recurring cycle (e.g., monthly or annually). For New Zealand customers, all prices are inclusive of GST.

6.2 Payment

You must provide a valid payment method. By doing so, you authorise us to charge the subscription fees to that payment method. If a payment fails, we may suspend your access to the Services until payment is made.

6.3 Refunds

Subscription fees are generally non-refundable, except as required by New Zealand law (including the Consumer Guarantees Act 1993). Refund requests are handled on a case-by-case basis.

7. Intellectual Property

All intellectual property rights in the Services (including our software, branding, and content) are owned by us. You may not copy, modify, or distribute any part of our Services without our written permission.

8. Service Availability

We aim for high service availability but do not guarantee uninterrupted access. The Services may be unavailable due to scheduled maintenance, emergency repairs, or circumstances beyond our reasonable control.

9. Disclaimers and Liability

9.1 No Financial Advice

Our Services provide information and tools for financial management but do not constitute financial, tax, or legal advice. You should consult a qualified professional for advice tailored to your specific situation.

9.2 Consumer Guarantees Act 1993

If you are a "consumer" under the Consumer Guarantees Act 1993, nothing in these Terms limits any rights or remedies you may have under that Act.

9.3 Limitation of Liability

To the maximum extent permitted by law, our liability for any claim arising from your use of the Services is limited to the amount you paid us in the 12 months preceding the claim. We are not liable for any indirect, consequential, or special losses.

10. Indemnification

You agree to indemnify and hold us harmless from any claims, damages, or expenses (including legal fees) arising from your use of the Services or your violation of these Terms.

11. Termination

You may terminate your account at any time. We may terminate or suspend your account if you breach these Terms, fail to pay fees, or engage in illegal or fraudulent activity. Upon termination, your right to use the Services ceases, and we will handle your data as described in our Privacy Policy.

12. Governing Law and Disputes

These Terms are governed by the laws of New Zealand. If a dispute arises, we encourage you to contact us first to find a resolution. If we cannot resolve the dispute informally, it will be settled through mediation or, if necessary, legally binding arbitration in New Zealand.

13. Changes to Terms

We may update these Terms from time to time. We will notify you of significant changes by posting the updated Terms on our website and updating the "Last updated" date. Your continued use of the Services after the changes take effect constitutes your acceptance of the new Terms.

14. Contact Information

If you have any questions about these Terms, please contact us: