Terms of Service (New Zealand)

1. Agreement

By accessing or using the MyAndGo platform ("Platform") and any connected MyAndGo products ("Products") through a New Zealand workspace, you agree to be bound by these Terms of Service ("Terms"). The Platform is operated by Fintech Development Pty Ltd (ABN 78 655 608 969), an Australian company, at Level 1, 18-20 Knuckey Street, Darwin NT 0800, Australia ("we", "us", "our"). We provide our Products to New Zealand businesses from Australia.

2. Eligibility

New Zealand workspaces are for businesses. By creating one, you confirm you are using it for your business. You must be at least 18 years old and have the legal capacity to enter into a binding agreement, and you represent that you have the authority to bind your business to these Terms.

3. Account Registration

• You must provide accurate and complete information when creating an account.
• You are responsible for maintaining the confidentiality of your account credentials.
• You must notify us immediately of any unauthorised access to your account.
• One person or organisation may maintain multiple accounts only where each represents a distinct business entity.

4. The MyAndGo Ecosystem

MyAndGo provides single sign-on, unified billing, and shared identity across the MyAndGo ecosystem. When you create an account on any MyAndGo product, you are creating a MyAndGo identity. Your account, authentication, and billing data is shared across products you subscribe to.

5. Trials, Subscriptions and Billing

• Free trial: Each Product starts with a free trial that needs no payment method. While we open in New Zealand, your trial continues until paid plans are available, and we'll tell you before then.
• Paid plans: When paid plans open, they are billed monthly or annually in New Zealand dollars by card. Prices shown are the full price.
• GST: We are not registered for New Zealand GST, so we don't charge it. If you have a New Zealand Business Number (NZBN), we record it when you subscribe. If we register for New Zealand GST, we'll tell you at least 30 days before we start charging it. We don't charge Australian GST on New Zealand subscriptions.
• Bundle discount: Subscribing to 2 or more paid Products entitles you to a 20% discount, applied automatically.
• The account holder: Each organisation has one account holder, shown in your account settings. Only the account holder can cancel or end a subscription.
• Cancellation: You may cancel at any time. Access continues until the end of the current billing period. No refunds for partial periods.
• Price changes: We may change pricing with 30 days' notice. Existing subscriptions continue at their current price until renewal.

6. Acceptable Use

You agree not to:

• Use the Platform for any unlawful purpose
• Attempt to gain unauthorised access to any part of the Platform
• Interfere with or disrupt the Platform's infrastructure
• Upload malicious code, viruses, or harmful content
• Use the Platform to send spam or unsolicited communications
• Resell or redistribute the Platform without our written consent
• Scrape, crawl, or collect data from the Platform by automated means

7. Your Data

• You retain ownership of all data you upload to the Platform.
• We do not claim any intellectual property rights over your content.
• You grant us a limited licence to store, process, and display your data solely for the purpose of providing the Platform services.
• Your documents, records and files are stored in Australia (Sydney), and your account records are held there too. Some services run elsewhere: sign-in is provided by Google and payments by Stripe, both in the United States. Our Privacy Policy lists them.
• The New Zealand Privacy Act 2020 applies to the personal information we handle for you. For what you put into our Products, we follow your instructions; for your account details, we are the agency responsible. Our Privacy Policy explains this in full.

8. Data Security

We implement industry-standard security measures including encryption at rest and in transit, two-factor authentication, session timeouts, and role-based access control. However, no system is 100% secure. You are responsible for maintaining the security of your account credentials.

9. Availability

We strive to maintain high availability but do not guarantee uninterrupted access. We may perform maintenance with reasonable notice. We are not liable for downtime caused by factors outside our control, including internet disruptions, third-party service failures, or force majeure events.

10. Intellectual Property

The Platform, including its design, code, logos, and content, is owned by Fintech Development Pty Ltd and protected by intellectual property laws. "MyAndGo", "AndGo", "SignAndGo", "ShareAndGo", "BookAndGo", "InspectAndGo", "BrandAndGo", "CRMandGo", "WorkAndGo", "AccountsAndGo", "TaxAndGo", and "ManageYourTax" are trademarks of Fintech Development Pty Ltd.

11. Consumer Rights

Where you acquire our Products as a business, you agree that the New Zealand Consumer Guarantees Act 1993 does not apply, to the extent the law allows you to contract out of it. Nothing in these Terms excludes or limits any right you have under the Fair Trading Act 1986 or any other right that cannot be excluded by law.

12. Limitation of Liability

To the maximum extent permitted by law:

• Our total liability to you is limited to the greater of the amount you paid us in the 12 months preceding the claim and one hundred New Zealand dollars.
• We are not liable for indirect, incidental, special, consequential, or punitive damages.
• We are not liable for loss of data, revenue, or profits arising from your use of the Platform.

Nothing in these Terms excludes or limits liability that cannot be excluded by law.

13. Termination

• You may close your account at any time from the Settings page.
• We may suspend or terminate your account if you breach these Terms, with notice where practical.
• On termination, your data is retained for 30 days, then permanently deleted, and is gone from our backups within a further 14 weeks.
• Billing obligations incurred before termination remain payable.

14. Governing Law

These Terms are governed by the laws of the Northern Territory, Australia. Any disputes will be resolved in the courts of the Northern Territory, Australia.

15. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes via email or in-app notification at least 14 days before the changes take effect. Continued use after changes take effect constitutes acceptance.

16. Contact

For questions about these Terms, contact us at:

• Email: privacy@support.myandgo.com.au
• Address: Level 1, 18-20 Knuckey Street, Darwin NT 0800, Australia