These Terms apply from when you sign up for an Account, until the date on which your Account is terminated in accordance with these Terms. We grant you a right to use our Services for this period of time only (which may be suspended or revoked in accordance with these Terms). The Tools (see 2.1 below) available on our Platform are accessible without an Account. By using the Tools you agree to be bound by these Terms. If you do not wish to be bound by these Terms, you must stop using the Tools.

You must be at least 16 years old to use our Platform. Users under 16 may only use our Platform with the express consent of a parent or legal guardian. By consenting to a user under 16 using our Platform, a parent or legal guardian confirms that they:

1. (a)have read and agree to these Terms on the user's behalf;
2. (b)consent to the collection and use of the user's Personal Information in accordance with these Terms and our privacy policy; and
3. (c)accept responsibility for the user's compliance with these Terms.

Variations: We may amend these Terms at any time, by providing written notice to you. By clicking “I accept” or continuing to use our Platform after the notice or 30 days after notification (whichever date is earlier), you agree to the amended Terms. If you do not agree to the amendment, you may cease using our Services and/or close your Account with effect from the date of the change in these Terms by providing written notice to us. If you close your Account, you will no longer be able to access our Platform on and from the date of cancellation.

We provide the following services to you:

1. (a)access to our Platform;
2. (b)access to our sufficiency and wellbeing tools, including the Sufficiency Savings Tool (together, the Tools); and
3. (c)access to our troubleshooting support (Support Services),

(collectively, our Services).

Our Platform enables you to:

1. (a)join a GoZero Team;
2. (b)participate in GoZero Teams meetings in person and online and related activities and events;
3. (c)earn points and, upon reaching your monthly GoZero points target, unlock donations to support GoZero Teams in your community;
4. (d)donate to the GoZero Foundation to support community sufficiency, resilience and wealth-building; and
5. (e)interact with Member Businesses who support the GoZero Foundation’s activities.

Our Platform may integrate with or direct you to Loomio, a third-party service. To use Loomio, you will need to create a separate account directly with Loomio and will be subject to Loomio's own terms and conditions. We are not responsible for Loomio's services, and any relationship you have with Loomio is directly between you and Loomio.

We provide the Tools to help users identify potential household savings and assess household and community resilience. The Tools may be updated, modified or withdrawn at any time without notice.

All figures and suggestions generated by the Tools are indicative estimates only and do not constitute financial, environmental, legal or professional advice. To the fullest extent permitted by law, GoZero excludes all liability for any loss, damage, claim or demand arising from use of the Tools or any information contained on or linked from the Tools pages.

GoZero Teams are either place-based or group-based. Place-based teams bring together people who share a geography, for example a street, a suburb, a neighbourhood. Group-based teams bring together people who already share a bond, such as a workplace, a school community, a faith group, a sports club or a circle of friends.  If you are a member of a place-based Team and change your geographic location or address, you should update your address in Your Account and notify us if you want to change Team. Any points you earn are attributed to activities closest to your stated address. Any points or Team-specific benefits already earned will not transfer to your new Team.

We are not responsible for the actions or decisions of GoZero Team members or partner organisations involved in GoZero Teams activities.

You may earn points through participating in activities on our Platform. The full list of ways to earn points is set out in our Rewards Directory. These include making donations, participating in community events, using the Tools, shopping at Member Businesses, volunteering, subscribing to our newsletter, and referring friends. We may update the Rewards Directory at any time without notice.

Points are earned by you personally. All points you earn contribute to your community total, based on your account’s geographical location, regardless of whether you reach your monthly GoZero points target. Once you reach your monthly GoZero points target, this unlocks GoZero Hero status, which gives you access to Premium Rewards - being donations from Member Businesses directed to the GoZero Foundation’s community weaving activities nearest to your geographic location – your street, your suburb, your city. All points earned count towards your geographic location - whether you don’t reach your monthly target or go well beyond it - allowing the GoZero Foundation to track community engagement and deploy its community weaving capacity effectively.

Points have no monetary value and cannot be redeemed for cash. Points are non-transferable.

We reserve the right to modify, suspend or discontinue the points system at any time.

If you require Support Services, you may request these by getting in touch with us through our Platform.

Unless we agree otherwise, Support Services cannot be used to support any other products or services, and does not include training, installation of software or hardware, software development or the modification, deletion or recovery of data or any on-site services.

Our Services do not constitute, and are not a substitute for, financial, environmental or risk management advice. Information provided through the Platform, including in relation to potential cost savings, is for general guidance only and is based on indicative estimates. You should obtain independent professional advice before making any financial or other decisions based on information provided through our Services.

Our Platform may feature Member Businesses who support GoZero’s community activities. We do not endorse, guarantee or take responsibility for the products, services or conduct of Member Businesses. Any transactions between you and Member Businesses are directly between you and that business.

You must sign up for an Account in order to access and use our Platform.

While you have an Account with us, you agree to:

1. (a)keep your information up-to-date (and ensure it remains true, accurate and complete);
2. (b)keep usernames and passwords secure and confidential, and protect them from misuse or being stolen; and
3. (c)notify us if you become aware of, or have reason to suspect, any unauthorised access to your Account or any logins linked to your Account.

We may suspend your access to our Services where we reasonably believe there has been any unauthorised access to or use of our Services (such as the unauthorised sharing of login details for our Platform). If we suspend your access to our Services, we will let you know within a reasonable time of doing so, and we will work with you to resolve the matter, or if it cannot be resolved, then we may terminate your Account and your access to our Services will end.

Where you choose to make donations through our Platform:

1. (a)donations are facilitated through our Platform but are made to the GoZero Foundation (or such other charitable entity as we notify you);
2. (b)we do not control how donations are used by the GoZero Foundation;
3. (c)donations are not refundable unless required by law; and
4. (d)we may receive an administration or facilitation fee from the GoZero Foundation for donations processed through our Platform.

The GoZero Foundation allocates donations to community coordination work based on the location associated with the relevant contribution. The GoZero Foundation will direct funds to the active coordinator operating at the most local level available for the donor's geographic area - starting at the neighbourhood level, and where no active coordinator operates at that level, escalating to the next available level (such as suburb, city, or region). All donations are applied to community coordination activities and related operating expenses. .

You must not pay, or attempt to pay, any donations by fraudulent or unlawful means. If you make payment by debit or credit card, you must be the authorised card holder. If payment is made by direct debit, by providing your bank account details and accepting these Terms, you authorise our nominated third-party payment processor to debit your bank account, and you confirm that you are either the holder or an authorised signatory of that bank account.

Taxes: You are responsible for paying any levies or taxes associated with your donation (unless we are required by law to collect these on your behalf).

While you have an Account, we grant you a right to use our Platform (which may be suspended or revoked in accordance with these Terms). This right cannot be passed on or transferred to any other person.

You must not:

1. (a)access or use our Platform in any way that is improper or breaches any laws, infringes any person's rights (for example, intellectual property rights and privacy rights), or gives rise to any civil or criminal liability;
2. (b)interfere with or interrupt the supply of our Platform, or any other person’s access to or use of our Platform;
3. (c)introduce any viruses or other malicious software code into our Platform;
4. (d)use any unauthorised or modified version of our Platform, including but not limited to for the purpose of building similar or competitive software or for the purpose of obtaining unauthorised access to our Platform;
5. (e)attempt to access any data or log into any server or account that you are not expressly authorised to access;
6. (f)use our Platform in any way that involves service bureau use, outsourcing, renting, reselling, sublicensing, concurrent use of a single user login, or time-sharing;
7. (g)circumvent user authentication or security of any of our networks, accounts or hosts or those of any third party; or
8. (h)access or use our Platform to transmit, publish or communicate material that is, defamatory, offensive, abusive, indecent, menacing, harassing or unwanted.

While we strive to always make our Services available to you, we do not make any promises that these will be available 100% of the time. Our Services may be disrupted during certain periods, including, for example, as a result of scheduled or emergency maintenance.

Our Services (including our Platform) may interact with, or be reliant on, products or services provided by third parties, such as cloud hosting service providers. To the maximum extent permitted by law, we are not liable for disruptions or downtime caused or contributed to by these third parties.

We will try to provide you with reasonable notice, where possible, of any disruptions to your access to our Services.

We own all intellectual property rights in our Services (including our Platform). This includes how our Platform looks and functions, as well as our copyrighted works, trademarks, inventions, designs and other intellectual property. You agree not to copy or otherwise misuse our intellectual property without our written permission (for example, to reverse engineer or discover the source code of our intellectual property), and you must not alter or remove any confidentiality, copyright or other ownership notice placed on our Platform.

We may use any feedback or suggestions that you give us in any manner which we see fit (for example, to develop new features), and no benefit will be owed to you as a result of any use by us of your feedback or suggestions.

We do not own any of Your Data, but when you enter or upload any of Your Data into our Platform, you grant us the right to access, analyse, backup, copy, store, transmit, and otherwise use Your Data while you have an Account with us (and for a reasonable period of time afterwards). We may use Your Data (or disclose it to third party service providers) to:

1. (a)supply our Services to you (for example, to enable you to access and use our Services), and otherwise perform our obligations under these Terms;
2. (b)diagnose problems with our Services;
3. (c)improve, develop and protect our Services;
4. (d)perform analytics for the purpose of remedying bugs or issues with our Platform; or
5. (e)perform our obligations under these Terms (as reasonably required).

We will not disclose Your Data to third parties except where strictly necessary to supply our Services to you, and will not use Your Data for marketing purposes or on-sell Your Data to any third party.

You acknowledge and agree that because of the nature of the internet, the processing and transmission of Your Data by us may occur over various networks, and may be transferred unencrypted.

You are responsible for (meaning we are not liable for):

1. (a)the integrity of Your Data on your systems, networks or any device controlled by you; and
2. (b)backing up Your Data.

When you use our Services, we may create anonymised statistical data from Your Data and usage of our Services (for example, through aggregation). Once anonymised, we own that data and may use it for our own purposes, such as to provide and improve our Services, to develop new services or product offerings, to identify business trends, and for other uses we communicate to you. This may include making such anonymised data publicly available, provided it is not compiled using a sample size small enough to make underlying portions of Your Data identifiable.

If you do not provide Your Data to us, it may impact your ability to receive our Services.

While using our Services, you may share confidential information with us, and you may become aware of confidential information about us. You agree not to use our confidential information, and to take reasonable steps to protect our confidential information from being disclosed without our permission, and we agree to do the same for your confidential information. This also means making sure that any employees, contractors, professional advisors or agents of ours or yours only have access to confidential information on a ‘need-to-know basis’ (in other words, the disclosure is absolutely necessary), and that they also agree to not misuse or disclose such confidential information.

However, either you or we may share confidential information with legal or regulatory authorities if required by law to do so.

We collect, hold and disclose and use any Personal Information you provide to us in accordance with our privacy policy, available at https://www.go0.com/privacy, and applicable privacy laws.

You must only disclose Personal Information to us if you have the right to do so (such as having the individual’s express consent).

We may need to disclose Personal Information to third parties, such as our related companies or our service providers (for example, IT and administrative service providers and our professional advisors).

To the maximum extent permitted by law, our warranties are limited to those expressly stated in this Agreement. Any implied condition or warranty (including any warranty under Part 3 of the Contract and Commercial Law Act 2017) is excluded.

You may have guarantees, rights or other remedies provided by law (Consumer Law Rights), and these Terms do not restrict your Consumer Law Rights. We will only be bound by your Consumer Law Rights and the express wording of these Terms. Our liability for a breach of your Consumer Law Rights is, unless the laws of your jurisdiction state otherwise, limited to either resupplying our Services, or paying the cost of having our Services resupplied.

This clause 9 will survive the termination or expiry of this Agreement.

To the maximum extent permitted by law, we will not be liable for, and you release us from liability for, any Liability caused or contributed to by, arising from or in connection with:

1. (a)your computing environment (for example, your hardware, software, information technology and telecommunications services and systems);
2. (b)any actions, decisions or conduct of Team leaders, partner organisations, or Member Businesses;
3. (c)any community events, challenges or activities you participate in through our Platform; or
4. (d)any use of our Services by a person or entity other than you.

Regardless of whatever else is stated in these Terms, to the maximum extent permitted by law:

1. (a)neither we or you are liable for any Consequential Loss;
2. (b)a party’s liability for any Liability under these Terms will be reduced proportionately to the extent the relevant Liability was caused or contributed to by the actions (or inactions) of the other party, including any failure by the other party to mitigate its loss; and
3. (c)our aggregate liability to you for any Liability arising from or in connection with these Terms will be limited to NZ$1,000.

We may terminate these Terms (meaning you will lose access to our Services, including access to your Account) if:

1. (a)you breach these Terms and do not remedy that breach within 14 days of us notifying you of that breach;
2. (b)you breach these Terms and that breach cannot be remedied; or
3. (c)you experience an insolvency event (including but not limited to bankruptcy, receivership, voluntary administration, liquidation, or entering into creditors’ schemes of arrangement).

You may terminate these Terms if:

1. (a)we breach these Terms and do not remedy that breach within 14 days of you notifying us of that breach; or
2. (b)we breach these Terms and that breach cannot be remedied.

You may also terminate these Terms at any time by notifying us through your Account or to our email for notices (as set out in clause 12.8), and termination will take effect immediately.

Upon termination of these Terms, we will retain Your Data (including copies) as required by law or regulatory requirements.

Termination of these Terms will not affect any other rights or liabilities that we or you may have.

Assignment: You may not transfer or assign these Terms (including any benefits or obligations you have under these Terms) to any third party without our prior written consent. We may assign or transfer these Terms to a third party, or transfer any debt owed by you to us to a debt collector or other third party.

Communications: By accepting these Terms, you agree to receive account and service communications from us, including monthly GoZero points progress updates. These communications form part of the core account service. If you do not wish to receive these updates, you may close your Account in accordance with these Terms.

Disputes: Neither we or you may commence court proceedings relating to any dispute, controversy or claim arising from, or in connection with, these Terms (including any question regarding its existence, validity or termination) (Dispute) unless we and you first meet (in good faith) to resolve the Dispute. Nothing in this clause will operate to prevent us or you from seeking urgent injunctive or equitable relief from a court of appropriate jurisdiction.

If the Dispute is not resolved at that initial meeting:

1. (a)where you are resident or incorporated in New Zealand, the Dispute is to be referred to mediation, administered by the New Zealand Disputes Resolution Centre, who will decide the time, place and rules for mediation, and the costs of mediation will be shared equally; or
2. (b)where you are not resident or incorporated in New Zealand, the Dispute is to be referred to arbitration administered by the New Zealand International Arbitration Centre, with such arbitration to be conducted in Wellington, New Zealand, before one arbitrator, in English and in accordance with the NZIAC Arbitration Rules.

Events Outside Our Control: We will not be liable for any delay or failure to perform our obligations (including our Services), if such delay or failure is caused or contributed to by an event or circumstance beyond our reasonable control.

Governing law: These Terms are governed by the laws of New Zealand, and any matter relating to these Terms is to be determined exclusively by the courts in New Zealand and any courts entitled to hear appeals from those courts.

Illegal Requests: We reserve the right to refuse any request for or in relation to our Services that we deem inappropriate, unethical, unreasonable, illegal or otherwise non-compliant with these Terms.

Nature of Legal Relationship: These Terms do not create, and should not be interpreted so as to create, a partnership, joint venture, employment or agency relationship between us and you.

Notices: Any notice you send to us must be sent to info@go0.com. Any notice we send to you will be sent to the email address registered against your Account.

Publicity: You agree that, subject to your prior written consent, we may advertise or publicise the fact you are a customer of ours, for example on our website or in our promotional material, and you grant us a right to display and use your logo and branding solely for that purpose.

Survival: Clauses 7 to 11 will survive the termination or expiry of these Terms.

Third Party Sites: Our Platform may contain links to websites operated by third parties. Unless we tell you otherwise, we do not control, endorse or approve, and are not responsible for, the content on those websites. We recommend that you make your own investigations in relation to the suitability of those websites. If you purchase goods or services from a third party website linked from our Platform, those goods or services are being provided by that third party, not us. We may receive a benefit (which may include a referral fee or a commission) should you visit certain third party websites through a link on our Platform, or for featuring certain goods or services on our Platform. We will make it clear by notice to you which (if any) goods or services, or website links, we receive a benefit from by featuring them on our Platform.

In these Terms: