My Moni: Terms of Use & Privacy Policy

Thank you for downloading My Moni. These terms apply to your use of My Moni.

Terms of Use

1. Consent and acceptance

1.1 My Moni is provided by Bank of New Zealand (BNZ) and is intended to be an educational tool for teenagers.

1.2 If you are under 18 years of age, you should review these terms together with your parent or guardian to make sure you both understand and agree to these terms. By downloading My Moni, and each time you use My Moni, you confirm that you have obtained parental consent to download, and agree to use, My Moni in accordance with these terms. If you do not agree to these terms, you must not use My Moni. 

1.3 BNZ may update these terms (or any part of them) at any time upon 14 days’ notice. However, where changes are made to protect the security of BNZ’s systems or to comply with a change in law, BNZ can tell you after the change has become effective. Any other updates may be notified by an electronic push message or by publishing an updated version of these terms in My Moni. By continuing to use My Moni, you will be deemed to agree to the updated terms.  

2. Security

2.1 BNZ may, but is not obliged to, monitor your use of My Moni and may terminate or suspend your access to My Moni at any time.

3. Intellectual property

3.1 All intellectual property rights in My Moni are owned exclusively by BNZ. Except as required to use My Moni in accordance with these terms, you cannot use any content associated with My Moni for any other purpose without BNZ’s permission.

4. Termination

4.1 BNZ may terminate access to, or the availability of, My Moni, or any functionality of My Moni, at any time. You may delete My Moni at any time.

5. Disclaimer and liability

5.1 You acknowledge that My Moni is provided on an “as is” and “as available” basis for general information only and the information displayed is not financial advice. BNZ does not warrant, and you should not rely on, My Moni being suitable for any particular purpose and you should seek specific advice from your parent or guardian (if applicable) and/or professional adviser. My Moni is a free educational tool and BNZ doesn’t accept any liability or responsibility (including under the Consumer Guarantees Act 1993 ((CGA)) when you use My Moni for a business purpose, in which case you agree that the CGA doesn’t apply) for any loss you incur as a result of your use of or inability to use, or for any error or omission on, My Moni.

5.2 You are responsible for any third party data charges in connection with your use of My Moni (including any charges from your mobile phone network operator for downloading, installing and using My Moni).

6. Notices from BNZ

6.1 You agree that you will receive all notices required under these terms by electronic push message.

7. Governing law

7.1 These terms are governed by the laws of New Zealand.

These Terms were last updated on 31 October 2019.

Privacy Policy

1. Data collection

1.1 When you download and use My Moni, Google™ Firebase Analytics provides BNZ with anonymised data relating to the version of My Moni that you are using, how many times the app has been used and which regions the users are located. BNZ uses such data to understand how the service can be improved, to monitor usage, for security purposes, to manage end to end user issues with My Moni and to further develop My Moni.  

1.2 Data may also be combined and used in accordance with Google™’s privacy policy