The agreement, in plain words.

You're using an early version of ARA. Things will occasionally change, improve or be temporarily imperfect. We'll always try to warn you before anything meaningful changes, and Founding Member pricing is honoured once offered.

You're responsible for keeping your sign-in details private and for what happens under your account. Add only people who belong to your household, and tell us straight away if you think someone else has access.

Use ARA for your own household. Don't attempt to break, probe or overload the service, access other households' information, or use ARA for anything unlawful.

The Study organises your household's financial information. It is not financial advice, and ARA is not a financial adviser. Decisions about your money remain yours. Bank connections are read-only — ARA cannot move money or make payments.

We work to keep ARA available and reliable, but as a beta service we can't promise it will be uninterrupted or error-free. We'll communicate honestly when something goes wrong.

Everything you put into your Residence stays yours. The ARA software, design and name stay ours. You give us only the permission needed to store and show your information back to your household.

You can close your account whenever you like and ask for your information to be deleted. We may suspend accounts that put other households or the service at risk, and we'll explain why if we ever have to.

If these terms change in any way that matters, we'll tell you by email before the change takes effect.

Questions about any of this? Get in touch — a person will reply.

This plain-English agreement will be reviewed by a New Zealand legal professional before ARA leaves beta.