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Privacy & Legal Policies

1.   Terms and Conditions
1.1    Acceptance of terms of conditions: The terms and conditions are the terms on which Simply Budget offers you access to the services and the web site. You accept these terms and conditions by registering as a member. You are prohibited from using the site if you do not accept the terms and conditions.
1.2    Amendment of terms and conditions: These terms and conditions may be amended in whole or in part from time to time. Any amendments to this website are effective immediately upon being uploaded to the website. It is your responsibility to familiarise yourself with the latest terms and conditions on the website.  If you continue to use the website after there has been an amendment to the terms and conditions as shown on the website then your continued use of the services represents your agreement to be bound by the terms and conditions as amended.
1.3    Changing prices: Our prices may be changed from time to time.  Any such amendments to prices are effective immediately upon being uploaded to the website.
1.4   Pricing: All prices are shown in the currency specified and include taxes relevant to that country. All prices are correct at the time of publication. The price shown at the time you submit will be the price that you are charged.
1.5    Response time: If you have submitted information to the website and do not receive a response within the specified time (being two working days) then please contact the administrator at info@simplybudget.co.nz.
1.6   Terminology: In these terms and conditions, the following expressions have the meanings set out:

'transaction', 'transactions' means any credit or debit transaction(s) entered into the system by any means;
'member' means a registered member of the website;
'services' means those services offered through the website;
'Simply Budget' means Simply Budget Limited, its employees, contractors and licensees;
'we', 'us' and 'our' are a reference to Simply Budget Limited, its employees, contractors and licensees;
'you' and 'your' are a reference to you;
web site' means “www.simplybudget..................”;
2.   Express Warnings
2.1 The services: Simply Budget provides to the members of the website the use of the calculators to enable the members to understand their personal finances. As such the services provided by Simply Budget are only an attempt to present information to you in a way that you can clearly understand.  It is important for you to note that Simply Budget does not (and will not) provide to you investment advice.  It is important for you to be aware that the advice that you receive from Simply Budget does NOT replace advice that you may need to seek (at your own cost) from independent 3rd parties such as accountants, lawyers and financial planners.
                Simply Budget has made reasonable endeavours to ensure that information on this website is reliable and accurate at the time of publishing. We have also made reasonable endeavours to ensure that the calculator(s) is/are accurate.
Simply Budget and its employees, contractors and licensees do not accept any liability:
  • For any loss or damage whatsoever which may arise in any way out of the use of any of the material or facilities;
  • For errors in or omissions from the material or facilities;
  • For the accuracy of any information obtained through this website;
  • For any advice or information obtained by you through this website.
2.2   At your own risk: You are personally responsible for entering all your content details into the website and accordingly this is done by you entirely at your own risk. You expressly agree that Simply Budget is not responsible or liable for any loss or damage caused due to discrepancies related to data entry and the consequential decisions that you make based on the services provided to you by Simply Budget Limited.
2.3   Disclaimer: You expressly understand and agree that:
a.     your use of the services is at your sole risk. The web site and services are provided on an "as is" and "as available" basis. To the maximum extent permitted by law and without limiting clause 2.2, Simply Budget disclaims and excludes all implied conditions or warranties, including, but not limited to, any warranties of merchantability, fitness for a particular purpose, and non-infringement;
b.     Simply Budget warrants that it will undertake its best endeavours for security however does not warrant that i) the services provided will be uninterrupted, timely, secure, or error free, or ii) that any information (including forum) provided on the web site is error-free or reliable;
c.     no advice or information that is obtained by you from Simply Budget or anyone else shall create any warranty by Simply Budget that is not expressly stated in the terms and conditions; and
d.     responsibility for the content of advertisements appearing on this web site (including hyperlinks to advertisers' own websites) rests solely with the advertisers. The placement of such advertisements on the web site does not constitute a recommendation or endorsement by Simply Budget of the advertised product or service. Each advertiser is solely responsible for any representation made in connection with its advertisement.  
2.4   Liability: You agree that, to the maximum extent permitted by law, any and all liability and responsibility of Simply Budget to you or any other person under or in connection with these terms and conditions, or in connection with the services, this web site, or your use of or inability to use, the services or this web site is excluded regardless of whether such liability arises in contract, tort (including negligence), equity, breach of statutory duty or otherwise. The liability and responsibility of Simply Budget is excluded in respect of any and all loss or damage, whether direct or indirect, including, without limitation, loss of profits, loss of data, loss of business or anticipated savings, general and special damages, and consequential and incidental loss.
2.5   Indemnity: You agree to release, indemnify and keep us indemnified, from and against all actions, claims, costs (including legal costs and expenses) losses, proceedings, damages, liabilities, or demands suffered or incurred by us to any person arising out of or in connection with your failure to comply with these terms and conditions, your failure to import/enter a transaction or arising out of any content you enter, submit, post, or make available through the services.
2.6   Breach: Without limiting any other rights and remedies available to Simply Budget, we may limit your activities on the web site, terminate your membership ,suspend your membership, or refuse to provide our services to you if in our sole opinion (without having to give reasons) you have breached our terms and conditions.
2.7   No Refunds Policy: To the full extent permissible by law we do not provide any refunds in regard to payments received from you.  We therefore suggest that you select carefully before making any payments towards services that are provided by us.
2.8   Login Information: You are solely responsible for keeping your login information, including your password, secret and secure.
2.9   Banking Information: No banking or credit card information is stored on our system. Transactions are performed through the Paypal secured site and not through the Simply Budget website.
3.   General Provisions
3.1   System Integrity: Simply Budget will use its reasonable endeavours to ensure the availability of the web site and services, subject to any downtime required for maintenance. However, Simply Budget does not take any responsibility for any system unavailability, or for any loss that is incurred by you as a result of web site or services being unavailable. Simply Budget also accepts no liability for any corruption of any data that you may have provided to Simply Budget.
3.2   Force Majeure: Without prejudice to clause 2.3.a, there is no liability on the part of Simply Budget for any lack of performance, failure or availability of the services or the web site, where the same arises from any cause that can reasonably be seen to be beyond the control of Simply Budget.
3.3   No Waiver: If Simply Budget does not enforce a right then this non-enforcement of such right does not constitute a waiver of any such right
3.4   Partial Invalidity: In the event that these terms and conditions or any part of these terms and conditions is or are held to be illegal, unenforceable or invalid for any reason whatsoever then such part of the terms and conditions shall be deemed to be severed from the remaining terms and conditions and the remaining terms and conditions shall continue in full force and effect.
3.5   Governing Law: These terms and conditions are governed by the laws of New Zealand. You submit to the non-exclusive jurisdiction of the Courts of New Zealand.
3.6   Copyright: The material on this website is protected by copyright.  Copyright in all the information is held by Simply Budget Limited. Permission is granted for you to view the material on this website and to save the material for your personal reference. You should not further copy, modify, use or distribute the material in any way unless you obtain written permission from Simply Budget Limited by contacting info@simplybudget.co.nz.
4.   Privacy Policy
4.1          This policy sets out how and when we collect, hold, use and disclose your personal information.
4.2          We may modify or amend this policy at any time and for any reason.  By using this site you consent to our handling of your personal information in accordance with this policy (as amended from time to time).
4.3          Collection: We may collect personal information about you:
4.3.1       When you provide information to us directly, for example, by you sending us an email enquiring about information relating to us or our products or services.
4.3.2       Through your use of this site and the services and functionality offered through it.
4.4          Use: We will only use personal information about you for the following reasons:
4.4.1       To improve the products and services we offer through this site.
4.4.2       To respond to your queries.
4.4.3       To add to our company database so we may inform you of specials, promotions, offers and events via email or post.
4.4.4       Any other reasons which we may notify at the time the information is collected.
4.5          Disclosure: We may share your personal information:
4.5.1       To our internet service providers (e.g. in order to store the information).
4.5.2       Where the disclosure is in connection with one of the purposes for which the information was collected.
4.5.3       Where we are required or authorised by law to make disclosure.

Except as provided above, we will not share your personal information with any other third parties.  We may provide overall statistics about users, site use, demand for relevant products, services, facilities and information, traffic patterns, and related site information to reputable third parties; however, these statistics will not include any information which personally identifies you. 
4.6          Retention and Security: We will not hold your personal information for longer than is required for the purpose(s) for which it was collected.  We will ensure that security safeguards protect the information and we will take all reasonable steps to ensure that information will not be disclosed to any unauthorised person or organisation.
4.7          Access and Correction: We will take all reasonable steps to ensure that personal information held by us is accurate and up-to-date.  You are entitled to obtain from us confirmation as to whether or not we hold personal information about you and you are entitled to reasonable access to this information. You may also request:
4.7.1       That we correct this information if it is inaccurate; and
4.7.2       That your details do not appear on our database.
You can make changes to your personal information by contacting us at the following email address: info@simplybudget.co.nz.
4.8       Email Policy: We only email you if you want us to.  We do not send unsolicited emails.  When you register your email address with us, you choose to receive email announcements about services and promotions from us. Every email message we send includes an email address to which you can respond.  If at any time you decide you do not want to receive our emails, simply reply and in the subject line type the words “unsubscribe”. 

Debtfix Limited trading as
Simply Budget is a Member of

FDR rgb

Contact Us

Ph:               +64 9 425 9500
FreePhone : 0800 DEBT 101
Email:           helpline@debtfix.co.nz
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