Last updated: 04/09/2026

These Terms of Use govern your access to and use of the VIS.finance™ app and website. By using our app or engaging our services, you agree to comply with these terms. If you do not agree, please do not use this app.

1. About VIS.finance™

VIS.finance™ is the trading name of Vital Ideal Solutions Limited (NZBN 9429047478527), a company incorporated in New Zealand with its registered office at 36 Sturm Avenue, Massey, Auckland 0614, New Zealand. We provide personal finance tools and analysis to users worldwide. Vital Ideal Solutions Limited is licensed as a Financial Advice Provider in New Zealand (FSP1010421); see section 8 for what that means outside New Zealand.

2. Eligibility

This app and our services are intended for individuals aged 18 years and older. By using the app, you confirm you meet this requirement.

Paid services are not available to persons located in, or ordinarily resident in, any country or territory subject to comprehensive sanctions (currently including Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk and Luhansk regions, and, for paid services, Russia and Belarus), or to anyone named on an applicable sanctions list. We may refuse, suspend or end service where providing it would breach New Zealand or other applicable sanctions or export-control laws, or the rules of our payment provider.

3. Use of the App

You may access and use the app for personal, non-commercial purposes. You agree not to:

  • Use the app for unlawful or unauthorised purposes
  • Copy, distribute, or modify content without our written permission
  • Attempt to interfere with the app’s functionality or security

You are responsible for keeping your login credentials secure and for the accuracy of the information you enter. If you believe your account has been accessed without your authority, contact us straight away.

4. Paid Plans, Billing and Renewal

Some features require a paid plan. Where you subscribe to a paid plan:

  • Payment is collected by Stripe, our payment provider. You enter your card details with Stripe directly; the app never receives them.
  • Paid plans renew automatically at the end of each billing period, and the then-current fee is charged, until you cancel.
  • You can cancel auto-renewal at any time from the subscription settings in your account. Cancelling stops the next renewal; you keep access to the paid features until the end of the period you have already paid for.
  • If we change a plan’s price, we will tell you by email or in the app at least 30 days before the new price takes effect. The new price applies from your first renewal after that notice, and you can cancel before it does.
  • Changing plan: there is no in-place upgrade or downgrade. To move to a different plan, cancel your current plan and buy the new one from our website; the new plan starts when its payment clears and the old plan runs to the end of the period you have paid for. Amounts already paid are not pro-rated between plans.
  • Your plan follows your account, not your device or the place you installed the app from.

When you start a paid plan we email you a confirmation that states the price, that the plan renews automatically, the next renewal date, and how to cancel.

Applicable taxes on your subscription depend on where you live and are shown on your invoice.

5. Cancellation, Withdrawal and Refunds

If you are a consumer in the European Union or the United Kingdom, you may withdraw from a paid subscription within 14 days of purchase without giving a reason. By starting your subscription immediately, you request that we begin supplying the service during that period; if you then withdraw within the 14 days, we refund what you paid less a proportionate amount for the time already supplied. To withdraw, contact us at vis.finance/contact with a clear statement that you wish to withdraw.

Apart from these rights, and any consumer rights that apply under the law of the country where you live, fees already paid are not refundable. Cancelling a plan stops future renewals rather than refunding past ones.

6. Bank Account Connections

The app’s optional live bank connection is provided by an authorised third-party New Zealand open banking provider (currently Akahu; the provider may change). If you choose to connect a bank account:

  • You authorise the connection directly with the provider, under the provider’s own terms and privacy policy
  • VIS.finance™ never receives, sees, or stores your bank login credentials
  • The connection service itself is operated by the provider, not by VIS.finance™
  • The provider’s own end-user terms and privacy notice apply to the connection (for Akahu: akahu.nz/end-user-terms and akahu.nz/privacy-notice)

Bank feed data is supplied by the provider as it comes from your bank. It may be delayed or incomplete, and you should check it against your bank’s own records before relying on it.

To the fullest extent permitted by law, VIS.finance™ is not responsible for the availability, accuracy, or performance of the third-party connection service, or for loss arising from it. Nothing in this section limits rights you may have under the Consumer Guarantees Act 1993, the Australian Consumer Law, or other laws that cannot be excluded.

7. Disclaimer

All content in this app is provided for general information only and does not constitute personalised financial advice. The app’s tools and dashboards are an all-in-one convenience: software automatically analyses and summarises the information you put in, so you can see your position more clearly. Before acting on any information, consider your circumstances or seek tailored advice from a qualified financial adviser in your jurisdiction.

While we make reasonable efforts to ensure the accuracy of information, VIS.finance™ does not guarantee that all content is complete, current, or free from errors.

8. Where Our Licence Applies

Vital Ideal Solutions Limited’s Financial Advice Provider licence is issued in New Zealand, and regulated financial advice is available to New Zealand residents only. Outside New Zealand, the app provides general-information tools and analysis; it is not a regulated advice service, and nothing in it is an offer or recommendation to buy or sell any financial product.

9. No Warranties

We provide the app “as is” and, to the extent permitted by law, without any warranties, express or implied, including warranties of merchantability, fitness for purpose, or non-infringement. Nothing in this section excludes, restricts or modifies any consumer guarantee, right or remedy that applies under the law of your country of residence and cannot lawfully be excluded, including under the New Zealand Consumer Guarantees Act 1993 and the Australian Consumer Law.

10. Limitation of Liability

To the fullest extent permitted by law, VIS.finance™ is not liable for any loss or damage (including indirect or consequential losses) arising from your use of the app or reliance on its content.

If, despite this section, VIS.finance™ is found liable to you on any basis, our total combined liability for all claims together is limited to the total fees you paid to VIS.finance™ for the app in the 6 months immediately before the event giving rise to the claim.

Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot lawfully be excluded. Nothing in these terms limits rights you may have under the Consumer Guarantees Act 1993, the Australian Consumer Law, or other laws that cannot be excluded.

If you are a consumer in Australia: our services come with guarantees that cannot be excluded under the Australian Consumer Law. For major failures with the service, you are entitled to cancel your service contract with us and to a refund for the unused portion, or to compensation for its reduced value; you are also entitled to be compensated for any other reasonably foreseeable loss or damage. If the failure does not amount to a major failure, you are entitled to have problems with the service rectified in a reasonable time and, if this is not done, to cancel your contract and obtain a refund for the unused portion of the contract.

11. Intellectual Property

All content in the app (including text, graphics, logos, and layout) is the property of VIS.finance™ unless otherwise stated. You may not reproduce or use any part of this app for commercial purposes without our written permission.

12. External Links

The app may include links to third-party websites. VIS.finance™ is not responsible for the content, security, or privacy practices of those sites. Use them at your own risk.

13. Privacy

Your use of this app is also subject to our Privacy Policy, which explains how we collect, store, and protect your personal information in accordance with applicable privacy laws.

14. App Stores

If you install the app from an app store (such as Google Play, the Apple App Store or the Microsoft Store), the store operator is not a party to these terms, has no obligation to provide or support the service, and is not responsible for it; responsibility for the app and its content rests with Vital Ideal Solutions Limited. For any version of the app obtained from the Apple App Store, Apple and its subsidiaries are third-party beneficiaries of these terms and may enforce them against you, and you represent that you are not located in a country subject to a United States Government embargo.

15. Suspension and Termination

You may stop using the app and close your account at any time, and you may ask for your data to be deleted as described in the Privacy Policy.

We may suspend or terminate your access if you materially breach these terms, use the app unlawfully, or where we must do so to comply with law (including sanctions law), giving you notice where practicable. If we terminate a paid plan other than for your breach, we refund the unused portion of the period you have paid for. Sections that by their nature should survive termination (including intellectual property, limitation of liability, and governing law) survive it.

16. Amendments

We may update these Terms of Use from time to time. If a change is material, we will tell you by email or in the app before it takes effect, with the date it applies from, and you can close your account (and cancel any paid plan, effective from the change date) before then if you do not accept it. The most recent version is always available in the app.

17. Governing Law and Your Local Rights

These terms are governed by the laws of New Zealand, and you and we may bring proceedings in the New Zealand courts. If you use the app as a consumer, you always keep the protection of any laws of the country where you live that cannot be excluded by agreement, and nothing in these terms takes away your right to bring or defend proceedings in the courts of that country.

18. General

If any part of these terms is found invalid or unenforceable, that part is treated as removed and the rest continues to apply. A failure to enforce any part of these terms is not a waiver of it. You may not transfer your rights under these terms without our written consent; we may transfer ours as part of a reorganisation or sale of the business, provided your rights are not reduced. These terms, together with the Privacy Policy and any plan description you subscribe under, are the whole agreement between you and us about the app.

19. Contact and Complaints

If you have any questions about these terms, or any concern or complaint about our service, please contact us at vis.finance/contact. We will acknowledge a complaint promptly and try to resolve it fairly.

Address: Vital Ideal Solutions Limited (trading as VIS.finance™), 36 Sturm Avenue, Massey, Auckland 0614, New Zealand. FSP Number: FSP1010421.

You may also make a complaint about our service via our Complaints Process or contact our approved dispute resolution provider:

Insurance & Financial Services Ombudsman Scheme (IFSO)

Website: www.ifso.nz

Phone: 0800 888 202

Email: info@ifso.nz

This is a free, independent dispute resolution service for clients of VIS.finance™.