Terms of Service

Owdyn IS:

A personal finance tracking application that helps you:

• Track financial accounts and balances
• Log income and expenses
• Categorize transactions (manually or with optional AI suggestions)
• Set and monitor budgets
• View spending insights and trends
• Manage bills and subscriptions (features vary by plan)

You are responsible for:

• Keeping your password secure and confidential
• All activity under your account (even if unauthorized)
• Notifying us immediately of suspected unauthorized access: support@owdyn.nz
• Enabling two-factor authentication (strongly recommended)
• Not sharing your account with others

AI Features - Acceptable Use

When using AI features, you must also comply with Anthropic's Usage Policy. This prohibits using AI to generate harmful, illegal, or abusive content.

Available Plans

• Owdyn Free: $0/month forever — 3 accounts, up to 6 budgets, 2 goals, 5 AI category suggestions/month
• Owdyn Plus: NZD $6.99/month or NZD $69/year — 10 accounts, unlimited budgets and goals, 50 AI category suggestions/month, custom categories, bank auto-sync, cashflow forecasting
• Owdyn Wise: NZD $14.99/month or NZD $149/year — unlimited accounts, budgets and goals, unlimited AI suggestions, full AI features, advanced analytics, Excel export

Payment Processing

All payments are processed securely by Stripe:

• We never see your full credit card number
• Stripe is PCI-DSS Level 1 certified (highest security standard)
• Payment information is encrypted end-to-end
• You can update payment methods in Settings or via Stripe's portal

Cancellation

• Cancel anytime with one click (Settings → Subscription)
• No phone calls or hassle required
• Access continues until the end of your current billing period
• Your paid features are removed and your account reverts to Owdyn Free
• All your data remains safe (nothing is deleted)

Failed Payments

If your payment fails:

• Stripe will automatically retry (up to 3 times over 7 days)
• You'll receive email notifications
• If payment continues to fail, your paid features are removed and your account reverts to Owdyn Free
• Your account reverts to Owdyn Free and your data remains intact — you can resubscribe at any time

Price Changes

We may change subscription prices with 30 days' advance notice:

• We'll email you before the change takes effect
• New price applies at your next renewal
• You can cancel before renewal if you don't accept the new price
• Existing subscriptions are not changed mid-cycle

GST

All prices listed are in New Zealand dollars (NZD) and are inclusive of Goods and Services Tax (GST) at 15%, where GST applies. Owdyn will issue GST-compliant invoices/receipts upon request.

Cancellation Refunds

Owdyn subscriptions are billed in advance. When you cancel:

• You retain access until the end of your current paid period — no partial-month refunds are issued for voluntary cancellations
• Your account reverts to Owdyn Free at period end and your data is preserved
• Annual subscribers who cancel within 14 days of their initial purchase (not renewal) may request a pro-rata refund by contacting support@owdyn.nz

Service Failure Remedies

Under the Consumer Guarantees Act 1993, if Owdyn fails to provide a service with reasonable care and skill, or the service is not fit for purpose as described, you are entitled to a remedy. Depending on the nature and severity of the failure:

• Remediable failure: We will fix the issue or re-perform the affected service at no additional charge within a reasonable time
• Substantial or unremedied failure: You may cancel your subscription and receive a pro-rata refund for the unused portion of your subscription period
• Consequential loss: Nothing in these Terms excludes your right to claim for losses you suffer as a direct result of a failure on our part, where those losses were reasonably foreseeable

How to Request a Refund or Remedy

Contact us at support@owdyn.nz with a description of the issue. We'll respond within 3 business days and work with you to reach a fair resolution.

AI Features Available

Owdyn offers optional AI-powered features including:

• Category suggestions for transactions
• Spending insights and pattern detection
• Duplicate transaction detection
• Bill and subscription detection
• Natural language queries (Owdyn Wise, coming soon)

AI Service Provider

AI features are powered by Anthropic's Claude. When you use AI features:

• Your transaction data is sent to Anthropic for processing
• Processing is subject to Anthropic's Commercial Terms
• Anthropic does not use your data to train AI models
• See our Privacy Policy for full details

Service Availability

AI features:

• May be temporarily unavailable due to technical issues
• May be modified, limited, or discontinued at any time
• Are subject to monthly usage limits: Free — 5 suggestions/month; Plus — 50 suggestions/month; Wise — unlimited
• Depend on third-party services (Anthropic)

Maintenance

We may perform maintenance that temporarily interrupts service:

• Scheduled maintenance: We'll notify you in advance when possible
• Emergency maintenance: May happen without notice
• Expected downtime: Typically less than 2 hours

Service Suspension

We may suspend or limit your access if:

• Your account violates these Terms
• We detect potential security threats or abuse
• Required by law or court order
• Technical issues require it for system protection
• Your payment has failed (for Plus and Wise subscribers)

We'll try to notify you in advance when possible.

Third-Party Dependencies

Owdyn relies on third-party services (Vercel for hosting, Neon for database, Anthropic for AI, Stripe for payments, Canny for feedback management). If these services experience outages or issues, Owdyn may be affected. We're not liable for third-party service disruptions.

Maximum Liability Cap

To the extent we are liable for any damages, our total liability is limited to the greater of:

• The amount you've paid us in the last 12 months, OR
• NZD $100

Exceptions

These limitations don't apply to:

• Gross negligence or willful misconduct by Owdyn
• Fraud or fraudulent misrepresentation
• Liability that cannot be excluded by law
• Death or personal injury caused by our negligence

You Can Cancel Anytime

To delete your account:

• Go to Settings → Account → Delete Account
• Confirm deletion — this is immediate and permanent and cannot be undone
• Optional: Export your data first via Settings → Export Data (available on all plans)

What Happens to Your Data

• Immediately: Your account and all associated data are permanently deleted. This cannot be undone.
• After account deletion: Anthropic deletes your transaction data per their Data Processing Addendum
• Day 90: Backup systems purged

We strongly recommend exporting your data before deleting your account. Deletion is permanent and irreversible.

We Can Terminate for Cause

We may terminate or suspend your account if:

• You violate these Terms
• You engage in fraudulent or illegal activity
• You abuse the service or harm other users
• Required by law or court order
• We discontinue the service entirely

We'll provide notice when possible, but reserve the right to act immediately for serious violations.

Effect of Termination

• You lose access to Owdyn immediately
• Your data is deleted per the schedule above
• Outstanding subscription fees remain due
• Sections that should survive (e.g., liability limitations) remain in effect

Governing Law

These Terms are governed by the laws of New Zealand, without regard to conflict of law principles.

If You Have a Dispute

Before going to court, please try these steps:

1. Contact us first: Email support@owdyn.nz
2. Good faith negotiation: We'll try to resolve the issue informally within 30 days
3. Mediation (optional): If negotiation fails, we can try mediation

Court Proceedings

If informal resolution doesn't work:

• Small claims: Use Disputes Tribunal of New Zealand (for claims under NZD $30,000)
• Larger disputes: Courts of Auckland, New Zealand have exclusive jurisdiction
• You agree to submit to the jurisdiction of New Zealand courts

Class Actions

To the extent permitted by law, you agree to resolve disputes individually, not as part of a class action or representative proceeding.