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Please read these terms carefully before using our services.
Last updated: 10 May 2026
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.
If you use the Services for a business, company, trust, partnership, or other organisation, you confirm that you have authority to accept these Terms on behalf of that organisation. In that case, "you" includes both you personally and that organisation.
Moniaro provides cloud-based financial management, bookkeeping, and accounting software designed for New Zealand users. Current Services include Moniaro Books for bookkeeping, GST management, invoicing, and related reporting. We may introduce additional features or modules from time to time, which will form part of the Services when made available to you.
Our Services are software tools only. They help you organise, process, and understand information, but they do not replace your own judgement, professional accounting advice, tax advice, legal advice, or obligations to Inland Revenue or any other authority.
We may modify, suspend, withdraw, or discontinue any part of our Services. Where reasonably practicable, we will provide notice of significant changes that materially affect your use of paid Services.
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.
You are responsible for managing who has access to your account, organisation, and data. If you invite other users, you are responsible for assigning appropriate roles and promptly removing access when it is no longer required.
You are responsible for:
Moniaro may generate calculations, GST return information, reports, forecasts, categories, summaries, suggestions, alerts, and other outputs from the data available to the Services. These outputs may be incomplete, inaccurate, delayed, miscategorised, affected by software defects, affected by incorrect or missing user data, or unsuitable for your specific circumstances.
You must review all outputs carefully before using them, filing them with Inland Revenue, providing them to any third party, or relying on them for a decision. You should obtain advice from a qualified accountant, tax adviser, lawyer, or other professional where appropriate. We are not responsible for penalties, interest, tax shortfalls, overpayments, missed deadlines, business losses, or other consequences arising from your reliance on unreviewed or incorrect outputs.
GST settings, filing periods, transaction classifications, business/private use allocations, depreciation calculations, and similar settings are your responsibility. Moniaro may help you record and process these items, but you remain responsible for verifying that they are correct for your business.
Some Services include optional AI-assisted features, such as transaction categorisation, receipt extraction, import assistance, matching suggestions, and similar automation. AI outputs are suggestions only. They may be wrong, incomplete, or unsuitable, and you must review and approve them before relying on them.
We ask for your permission before sending your data to AI features. You can change your AI preferences in your settings. If you enable AI features, the relevant transaction details, receipt content, file content, notes, categories, metadata, or other information needed to provide the feature may be processed by Amazon Bedrock using Anthropic models in the AWS Asia Pacific (New Zealand) Region, ap-southeast-6.
Before data is sent to AI features, we apply automated privacy filtering using Microsoft Presidio to detect and remove personal details such as names, IRD numbers, full bank account numbers, phone numbers, email addresses, and similar identifiers. We also exclude receipts, attachments, and other documents from AI processing unless you have specifically enabled a feature that requires them. Automated redaction is not perfect and cannot guarantee that every personal detail will be removed, particularly if you have entered such details into free-text fields like transaction descriptions or notes. You are responsible for the content you enter into the Services.
We do not use AI features to provide professional accounting, tax, financial, or legal advice. We may change, disable, limit, or improve AI features at any time, including to manage safety, accuracy, security, cost, availability, or legal requirements.
You agree to use our Services only for lawful purposes. You must not:
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.
We host the Services primarily using Amazon Web Services in the AWS Asia Pacific (New Zealand) Region, ap-southeast-6. This includes database, application, file upload, receipt storage, S3 object storage, AI processing through Amazon Bedrock where enabled, logging, backup, monitoring, and other infrastructure services required to operate Moniaro.
You grant us the rights necessary to host, store, copy, transmit, process, analyse, back up, display, and otherwise use your data solely for the purpose of providing, securing, supporting, maintaining, improving, and complying with legal obligations for the Services. We do not claim ownership of your business data.
We use reasonable technical and organisational measures to protect your data, but no internet-based service can be guaranteed to be error-free, uninterrupted, or completely secure. You are responsible for maintaining your own records and backups where required for your legal, tax, accounting, or business obligations.
Our Services are billed on a subscription basis. Fees are charged in advance on a recurring cycle (e.g., monthly or annually). Pricing is shown on our website. For New Zealand customers, GST will be applied as required by law and shown on your tax invoice.
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.
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.
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.
We aim for high service availability but do not guarantee uninterrupted, timely, secure, or error-free access. The Services may be unavailable, delayed, limited, or degraded due to scheduled maintenance, emergency repairs, third-party provider issues, internet or network failures, security incidents, legal requirements, or circumstances beyond our reasonable control.
We may temporarily limit or suspend access where we reasonably believe this is necessary to protect the Services, your data, other users, our providers, or our legal position.
Our Services provide information and tools for financial management but do not constitute accounting, financial, tax, legal, investment, or other professional advice. You should consult a qualified professional for advice tailored to your specific situation.
To the maximum extent permitted by law, we do not guarantee that calculations, GST returns, reports, AI suggestions, imports, categorisation, receipt extraction, bank feeds, integrations, alerts, forecasts, or other outputs will be accurate, complete, current, compliant, available, or suitable for your purposes.
If you are a "consumer" under the Consumer Guarantees Act 1993, nothing in these Terms limits or excludes any rights or remedies you may have under that Act or under the Fair Trading Act 1986.
If you are acquiring the Services in trade, you and we agree that the Consumer Guarantees Act 1993 and sections 9, 12A, 13, and 14(1) of the Fair Trading Act 1986 do not apply to the maximum extent permitted by law, and that it is fair and reasonable for these provisions to be excluded.
To the maximum extent permitted by law, our total liability for any claim arising from or relating to the Services or these Terms is limited to the amount you paid us for the Services in the 12 months preceding the event giving rise to the claim.
To the maximum extent permitted by law, we are not liable for indirect, consequential, special, exemplary, or punitive losses, loss of profits, loss of revenue, loss of goodwill, loss of data, loss of opportunity, penalties, interest, tax liabilities, tax shortfalls, overpayments, missed filing deadlines, or losses caused by your data, settings, decisions, omissions, third-party services, or reliance on outputs that you have not independently reviewed.
You agree to indemnify and hold us harmless from any claims, damages, losses, liabilities, penalties, costs, or expenses (including legal fees) arising from your use of the Services, your data, your instructions or settings, your filing or compliance decisions, your breach of these Terms, your violation of law, or your infringement of another person's rights.
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. Where reasonably practicable, we will give you notice before suspending or terminating your account for breach, unless we believe immediate action is necessary to protect the Services, other users, or our legal position.
Upon termination, your right to use the Services ceases. For a reasonable period after termination (typically at least 30 days), we will, where practicable, allow you to export your data using the tools provided within the Services. After that period, we may delete your data in accordance with our Privacy Policy and applicable law, subject to any retention required for backups, audit, security, or legal obligations.
Before closing your account, you should export or copy any data you need for business, accounting, tax, audit, or legal record-keeping. We are not responsible for your failure to retain records that you are legally required to keep.
These Terms are governed by the laws of New Zealand. If a dispute arises, we encourage you to contact us first to seek a resolution. If we cannot resolve the dispute informally, you and we submit to the non-exclusive jurisdiction of the New Zealand courts. Nothing in this clause prevents either party from seeking urgent injunctive or equitable relief in any court of competent jurisdiction.
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.
If you have any questions about these Terms, please contact us:
Note: These Terms of Service form a legally binding agreement. Please read them carefully.