Platform Terms of Use

    1. These Terms apply to your use of the Service (as that term is defined below).  By either clicking I agree or accessing and using the Service:
      1. you agree to these Terms; and
      2. where your access and use is on behalf of another person (e.g. a company), you confirm that you are authorised to, and do in fact, agree to these Terms on that person’s behalf and that, by agreeing to these Terms on that person’s behalf, that person is bound by these Terms.
    2. If you do not agree to these Terms, you are not authorised to access and use the Service, and you must immediately stop doing so.
    1. We may change these Terms at any time by notifying you of the change by email or by posting a notice on the Website.  Unless stated otherwise, any change takes effect from the date set out in the notice.  You are responsible for ensuring you are familiar with the latest Terms.  By continuing to access and use the Service from the date on which the Terms are changed, you agree to be bound by the changed Terms.
    2. These Terms were last updated on 11th of June 2021.

In these Terms:

Confidential Information means any information that is not public knowledge and that is obtained from the other party in the course of, or in connection with, the provision and use of the Service.  Our Confidential Information includes Intellectual Property owned by us (or our licensors), including the Enrich Software.  Your Confidential Information includes the Data.

Content means all information, articles, opinions and other material published on the Website from time to time by us or one of our partners.

Data means all data, content, and information (including personal information) owned, held, used or created by you or on your behalf that is stored using, or inputted into, the Service.

Enrich Software means the software owned by us (and our licensors) that is used to provide the Service.

FAP means a financial advice provider, as defined in the Financial Markets Conduct Act 2013.

Fees means the applicable fees set out on our pricing page on the Website at [] or as agreed otherwise in writing between you and us, as may be updated from time to time in accordance with clause 7.3.

financial advice has the meaning given to that term in the Financial Markets Conduct Act 2013.

Force Majeure means an event that is beyond the reasonable control of a party, excluding:

  • an event to the extent that it could have been avoided by a party taking reasonable steps or reasonable care; or
  • a lack of funds for any reason.

including and similar words do not imply any limit.

Intellectual Property Rights includes copyright and all rights existing anywhere in the world conferred under statute, common law or equity relating to inventions (including patents), registered and unregistered trade marks and designs, circuit layouts, data and databases, confidential information, know-how, and all other rights resulting from intellectual activity.  Intellectual Property has a consistent meaning, and includes any enhancement, modification or derivative work of the Intellectual Property.

Objectionable includes being objectionable, defamatory, obscene, harassing, threatening, harmful, or unlawful in any way.

a party includes that party’s permitted assigns.

a person includes an individual, a body corporate, an association of persons (whether corporate or not), a trust, a government department, or any other entity.

personal information means information about an identifiable, living person.

personnel includes officers, employees, contractors and agents, but a reference to your personnel does not include us.

Service means the Enrich Retirement service, including courses, provision of information (including in or as a result of the Content or any other information provided) and any other service set out in the Website, as the Website is updated from time to time.

Start Date means the date that you first access or use the Services.

Subscription Period means the subscription period you select when setting up your account to use the Service (e.g. monthly or annually). Note – there are only two options available, monthly or annual

Terms means these terms titled platform terms of use.

Underlying Systems means the Enrich Software, IT solutions, systems and networks (including software and hardware) used to provide the Service, including any third party solutions, systems and networks.

We, us or our means Enrich Retirement Limited, company number 8053937.

Website means the internet site at, or such other site notified to you by us.

Year means a 12-month period starting on the Start Date or the anniversary of that date.

You or your means you or, if clause 1.1b applies, both you and the other person on whose behalf you are acting.

Words in the singular include the plural and vice versa.

A reference to a statute includes references to regulations, orders or notices made under or in connection with the statute or regulations and all amendments, replacements or other changes to any of them.

    1. We must use reasonable efforts to provide the Service:
      1. in accordance with these Terms and New Zealand law;
      2. without prejudice to our obligations referred to in clause 4.1a, exercising reasonable care, skill and diligence; and
      3. using suitably skilled, experienced and qualified personnel.
    2. Our provision of the Service to you is non-exclusive.  Nothing in these Terms prevents us from providing the Service to any other person.
    3. Subject to clause 4.4, we must use reasonable efforts to ensure the Service is available on a 24/7 basis.  However, it is possible that on occasion the Service may be unavailable to permit maintenance or other development activity to take place, or in the event of Force Majeure.  We must use reasonable efforts to publish on the Website  advance details of any unavailability.
    4. Through the use of web services and APIs, the Service interoperates with a range of third party service features.  We do not make any warranty or representation on the availability of those features.  Without limiting the previous sentence, if a third party feature provider ceases to provide that feature or ceases to make that feature available on reasonable terms, we may cease to make available that feature to you.  To avoid doubt, if we exercise our right to cease the availability of a third party feature, you are not entitled to any refund, discount or other compensation.
    1. You must:
      1. use the Service in accordance with these Terms solely for:
        1. your own internal personal purposes; and
        2. lawful purposes; and
      2. not resell or make available the Service to any third party, or otherwise commercially exploit the Service.
    2. When accessing the Service, you must:
      1. not impersonate another person or misrepresent authorisation to act on behalf of others or us;
      2. correctly identify the sender of all electronic transmissions;
      3. not attempt to undermine the security or integrity of the Underlying Systems;
      4. not use, or misuse, the Service in any way which may impair the functionality of the Underlying Systems or impair the ability of any other user to use the Service;
      5. not attempt to view, access or copy any material or data other than:
        1. that which you are authorised to access; and
        2. to the extent necessary for you to use the Service in accordance with these Terms; and
      6. neither use the Service in a manner, nor transmit, input or store any Data, that breaches any third party right (including Intellectual Property Rights and privacy rights) or is Objectionable, incorrect or misleading.
    3. You are responsible for procuring all licences, authorisations and consents required for you to use the Service, including to use, store and input Data into, and process and distribute Data through, the Service.
  3. DATA
    1. You acknowledge that:
      1. we may require access to the Data to exercise our rights and perform our obligations under these Terms; and
      2. to the extent that this is necessary but subject to clause 9, we may authorise a member or members of our personnel to access the Data for this purpose.
    2. You must arrange all consents and approvals that are necessary for us to access the Data as described in clause 6.1.
    3. You acknowledge and agree that:
      1. we may:
        1. use Data and information about your use of the Service to generate anonymised and aggregated statistical and analytical data (Analytical Data);
        2. use Analytical Data for our internal research and product development purposes and to conduct statistical analysis and identify trends and insights;
        3. supply Analytical Data to third parties; and
        4. store, hold, and disclose Data as required by relevant law (including the conditions of any FAP licence we hold from time to time, where applicable);
      2. our rights under clause 6.3a above will survive termination or expiry of these Terms; and
      3. title to, and all Intellectual Property Rights in, Analytical Data is and remains our property.
    4. You acknowledge and agree that to the extent Data contains personal information, in collecting, holding and processing that information through the Service, we are acting as your agent for the purposes of the Privacy Act 2020 and any other applicable privacy law.  You must obtain all necessary consents from the relevant individual to enable us to collect, use, hold and process that information in accordance with these Terms.
    5. While we will take standard industry measures to back up all Data stored using the Service, you agree to keep a separate back-up copy of all Data uploaded by you onto the Service.
    6. You agree that we may store Data (including any personal information) in secure servers in overseas territories and may access that Data (including any personal information) in such overseas territories and New Zealand from time to time.
    7. You indemnify us against any liability, claim, proceeding, cost, expense (including the actual legal fees charged by our solicitors) and loss of any kind arising from any actual or alleged claim by a third party that any Data infringes the rights of that third party (including Intellectual Property Rights and privacy rights) or that the Data is Objectionable, incorrect or misleading.
  4. FEES
    1. You must pay us the Fees.
    2. The Fees will be charged to your valid debit/credit card in advance of each Subscription Period.
    1. Unless you cancel your right to use the Service prior to the end of your current Subscription Period in accordance with clause 12, at the end of each Subscription Period we will automatically roll over your subscription for a further Subscription Period of the same length.  We will charge your debit/credit card the Fees in advance of each Subscription Period.
    2. If we are unable to collect the Fees from your debit/credit card for any reason, including where your card has expired or there are insufficient funds, you remain responsible for any uncollected amounts and we may suspend or cancel your access to the Service without giving you notice.
    3. We may increase the Fees by giving at least 30 days’ notice.  If you do not wish to pay the increased Fees, you may terminate these Terms and your right to access and use the Service on no less than 10 days’ notice, provided the notice is received by us before the effective date of the Fee increase.  If you do not terminate these Terms and your right to access and use the Service in accordance with this clause, you are deemed to have accepted the increased Fees.
    1. Subject to clause 8.2, title to, and all Intellectual Property Rights in, the Service, the Website, the Content, and all Underlying Systems is and remains our property (and our licensors’ property).  You must not contest or dispute that ownership, or the validity of those Intellectual Property Rights.
    2. Title to, and all Intellectual Property Rights in, the Data (as between the parties) remains your property.  You grant us a worldwide, non-exclusive, fully paid up, transferable, irrevocable licence to use, store, copy, modify, make available and communicate the Data for any purpose in connection with the exercise of our rights and performance of our obligations in accordance with these Terms.
    3. To the extent not owned by us, you grant us a royalty-free, transferable, irrevocable and perpetual licence to use for our own business purposes any know-how, techniques, ideas, methodologies, and similar Intellectual Property used by us in the provision of the Service.
    4. If you provide us with ideas, comments or suggestions relating to the Service or Underlying Systems (together feedback):
      1. all Intellectual Property Rights in that feedback, and anything created as a result of that feedback (including new material, enhancements, modifications or derivative works), are owned solely by us; and
      2. we may use or disclose the feedback for any purpose.
    5. You acknowledge that the Service may link to third party websites or feeds that are connected or relevant to the Service.  Any link from the Service does not imply that we endorse, approve or recommend, or have responsibility for, those websites or feeds or their content or operators.  To the maximum extent permitted by law, we exclude all responsibility or liability for those websites or feeds.
    1. Each party must, unless it has the prior written consent of the other party:
      1. keep confidential at all times the Confidential Information of the other party;
      2. effect and maintain adequate security measures to safeguard the other party’s Confidential Information from unauthorised access or use; and
      3. disclose the other party’s Confidential Information to its personnel or professional advisors on a need to know basis only and, in that case, ensure that any personnel or professional advisor to whom it discloses the other party’s Confidential Information is aware of, and complies with, clauses 9.1a and 9.1b.
    2. The obligation of confidentiality in clause 9.1 does not apply to any disclosure or use of Confidential Information:
      1. for the purpose of performing a party’s obligations, or exercising a party’s rights, under these Terms;
      2. required by law (including under the rules of any stock exchange or the conditions of any FAP licence that we hold from time to time, where applicable);
      3. which is publicly available through no fault of the recipient of the Confidential Information or its personnel;
      4. which was rightfully received by a party from a third party without restriction and without breach of any obligation of confidentiality; or
      5. by us if required as part of a bona fide sale of our business (assets or shares, whether in whole or in part) to a third party, provided that we enter into a confidentiality agreement with the third party on terms no less restrictive than this clause 9.
    1. Each party warrants that it has full power and authority to enter into, and perform its obligations under, these Terms.
    2. To the maximum extent permitted by law:
      1. our warranties are limited to those set out in these Terms, and all other conditions, guarantees or warranties whether expressed or implied by statute or otherwise (including any warranty under Part 3 of the Contract and Commercial Law Act 2017) are expressly excluded and, to the extent that they cannot be excluded, liability for them is limited to NZD1,000.00; and
      2. we make no representation concerning the quality of the Service and do not promise that the Service will:
        1. meet your requirements or be suitable for a particular purpose; or
        2. be secure, free of viruses or other harmful code, uninterrupted or error free.
    3. Except to the extent permitted by law, nothing in these Terms has the effect of contracting out of the New Zealand Consumer Guarantees Act 1993 or any other consumer protection law that cannot be excluded.  To the extent our liability cannot be excluded but can be limited, our liability is limited to NZD100.
    4. Where legislation or rule of law implies into these Terms a condition or warranty that cannot be excluded or modified by contract, the condition or warranty is deemed to be included in these Terms.  However, our liability for any breach of that condition or warranty is limited, at our option, to:
      1. supplying the Service again; and/or
      2. paying the costs of having the Service supplied again.
    1. Our maximum aggregate liability under or in connection with these Terms or relating to the Service, whether in contract, tort (including negligence), breach of statutory duty or otherwise, must not in any Year exceed an amount equal to the Fees paid by you relating to the Service in the previous Year (which in the first Year is deemed to be the total Fees paid by you from the Start Date to the date of the first event giving rise to liability).  The cap in this clause 11.1 includes the cap set out in clause 10.2a.
    2. Without limiting clause 11.3, and to the maximum extent permitted by law, you:
      1. access and use the Service at your own risk; and
      2. are responsible for all decisions that you may or may not make in reliance on any information you receive or infer from the Service.
    3. Neither party is liable to the other under or in connection with these Terms or the Service for any:
      1. loss of profit, revenue, savings, business, use, data (including Data), and/or goodwill; or
      2. consequential, indirect, incidental or special damage or loss of any kind.
    4. Clauses 11.1 and 11.3 do not apply to limit our liability under or in connection with these Terms for:
      1. personal injury or death;
      2. fraud or wilful misconduct; or
      3. a breach of clause 9.
    5. Clause 11.3 does not apply to limit your liability:
      1. to pay the Fees;
      2. under the indemnity in clause 6.7; or
      3. for those matters stated in clause 11.4a to 11.4c.
    6. Neither party will be responsible, liable, or held to be in breach of these Terms for any failure to perform its obligations under these Terms or otherwise, to the extent that the failure is caused by the other party failing to comply with its obligations under these Terms, or by the negligence or misconduct of the other party or its personnel.
    7. Each party must take reasonable steps to mitigate any loss or damage, cost or expense it may suffer or incur arising out of anything done or not done by the other party under or in connection with these Terms or the Service.
    1. Unless terminated under this clause 12, these Terms and your right to access and use the Service:
      1. starts on the Start Date; and
      2. continues until a party gives notice that these Terms and your access to and use of the Service will terminate on the expiry of your current Subscription Period.
    2. Subject to clause 7.3, if the Subscription Period you have selected includes a minimum initial monthly or annual term, the earliest date for termination under clause 12.1 will be the expiry of that initial term.
    3. Either party may, by notice to the other party, immediately terminate these Terms and your right to access and use the Service if the other party:
      1. breaches any material provision of these Terms and the breach is not:
        1. remedied within 10 days of the receipt of a notice from the first party requiring it to remedy the breach; or
        2. capable of being remedied; or
      2. becomes insolvent, liquidated or bankrupt, has an administrator, receiver, liquidator, statutory manager, mortgagee’s or chargee’s agent appointed, becomes subject to any form of insolvency action or external administration, or ceases to continue business for any reason.
    4. You may terminate these Terms and your right to access and use the Service in accordance with clause 7.3.
    5. Termination of these Terms does not affect either party’s rights and obligations that accrued before that termination.
    6. On termination of these Terms, you must pay all Fees for the provision of the Service prior to that termination.
    7. No compensation is payable by us to you as a result of termination of these Terms for whatever reason, and you will not be entitled to a refund of any Fees that you have already paid.   
    8. Except to the extent that a party has ongoing rights to use Confidential Information, at the other party’s request following termination of these Terms but subject to clause 6.3aiv, a party must promptly return to the other party or destroy all Confidential Information of the other party that is in the first party’s possession or control.
    9. Without limiting any other right or remedy available to us, we may restrict or suspend your access to and use of the Service and/or delete, edit or remove the relevant Data if we consider that you have:
      1. undermined, or attempted to undermine, the security or integrity of the Service or any Underlying Systems;
      2. used, or attempted to use, the Service:
        1. for improper purposes; or
        2. in a manner, other than for normal operational purposes, that materially reduces the operational performance of the Service;
      3. transmitted, inputted or stored any Data that breaches or may breach these Terms or any third party right (including Intellectual Property Rights and privacy rights), or that is or may be Objectionable, incorrect or misleading; or
      4. otherwise materially breached these Terms.
    1. As at the date of these Terms, the Service does not (and you acknowledge and agree that it does not) constitute or involve the provision of financial advice. If, in the future, the Service is changed to constitute or involve the provision of financial advice, we will make any changes to these Terms we consider necessary or desirable to reflect that change. Any such changes will take effect in accordance with clause 2.1 and/or 7.3 (as applicable).
    2. Without prejudice to clause 8.5, to the maximum extent permitted by law:
      1. you acknowledge that third parties that provide websites, information, or feeds connected or relevant to the Service are not permitted to give financial advice through the Service (whether directly or on our behalf); and
      2. any financial advice provided through third party websites or feeds connected or relevant to the Service, or through documents or other information prepared by third parties, in breach of paragraph a is given solely by the relevant third party and we exclude all responsibility or liability for that advice.
    1. Neither party is liable to the other for any failure to perform its obligations under these Terms to the extent caused by Force Majeure.
    2. No person other than you and us has any right to a benefit under, or to enforce, these Terms.
    3. For us to waive a right under these Terms, that waiver must be in writing and signed by us.
    4. Subject to clause 6.4, we are your independent contractor, and no other relationship (e.g. joint venture, agency, trust or partnership) exists under these Terms.
    5. If we need to contact you, we may do so by email or by posting a notice on the Website.  You agree that this satisfies all legal requirements in relation to written communications.  You may give notice to us under or in connection with these Terms by emailing
    6. These Terms, and any dispute relating to these Terms or the Service, are governed by and must be interpreted in accordance with the laws of New Zealand.  Each party submits to the non-exclusive jurisdiction of the Courts of New Zealand in relation to any dispute connected with these Terms or the Service.
    7. Clauses which, by their nature, are intended to survive termination of these Terms, including clauses 6.7, 8, 9, 11, 12.5 to and 14.6, continue in force.   
    8. If any part or provision of these Terms is or becomes illegal, unenforceable, or invalid, that part or provision is deemed to be modified to the extent required to remedy the illegality, unenforceability or invalidity.  If modification is not possible, the part or provision must be treated for all purposes as severed from these Terms.  The remainder of these Terms will be binding on you.
    9. Subject to clauses 2.1 and 7.3, any variation to these Terms must be in writing and signed by both parties.
    10. 14.10.These Terms set out everything agreed by the parties relating to the Service, and supersede and cancel anything discussed, exchanged or agreed prior to the Start Date.  The parties have not relied on any representation, warranty or agreement relating to the Service that is not expressly set out in these Terms, and no such representation, warranty or agreement has any effect from the Start Date.  Without limiting the previous sentence, the parties agree to contract out of sections 9, 12A and 13 of the Fair Trading Act 1986, and that it is fair and reasonable that the parties are bound by this clause 14.10.
    11. You may not assign, novate, subcontract or transfer any right or obligation under these Terms without our prior written consent, that consent not to be unreasonably withheld.  You remain liable for your obligations under these Terms despite any approved assignment, subcontracting or transfer.

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