Manage Money Smarter

Terms and Conditions
Last Updated 10 June 2023

1.1 Acceptance of terms of conditions:
When you visit this website or choose to access or use any of the tools or resources on this website you agree to such use being bound by these terms and conditions. If you do not agree with these terms, then you should not use or rely on any of the tools or resources of this website.

1.2 Changes to terms and conditions:
At any time these terms and conditions may be amended in whole or in part. Amendments to this website are effective immediately. It is your responsibility to keep up to date with the latest terms and conditions on the website. Continued use of the website or any of the tools and resources accessed via this website is acknowledging you accept the terms that are in place at the time of use and any decision not to keep up to date with amendments or changes by you will not provide provision for liability to be transferred to Money Managed Smarter or any of its employees, representatives or any third party accessed through connecting from the Money Managed Smarter website.

1.3 Notice of change to Terms and Conditions:
We will not provide separate notice of changes or highlight / identify a specific change however we will always have appearing at the top of the Terms and Conditions the most recent date that applies. Please check this date and if you have not checked the Terms and Conditions since the shown date please familiarize yourself with the current Terms and Conditions that apply.

2 Terminology:
The following provides meaning to various terms and words used within these Terms and Conditions

“Tools” or “Resources” refer to any online calculators, articles, budget planners or other information provided or accessible through this website
“Member” means a registered member of the website;
“Services” means those services offered through the website;
“Money Managed Smarter” means the Money Managed Smarter personal budgeting planner also known as the Moneytrainer system;
“We”, “Us” and “Our” refers to Money Managed Smarter, its employees, contractors and licensees;
“You” or “Your” refers to you;
“Website” means unless used as a reference to linking to a third party website

3 No Warranty or Liability:

3.1 Everything accessible through use of this website including but not limited solely to the tools, resources, services or products is provided by us to you or members of the website with the intention to assist you or its members in becoming better informed and building a greater awareness of their personal finances in order that they can engage in well thought out financial habits or behavior.

Your use of tools, resources, services or products available or obtained from this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.

3.2 We do not (and will not) provide to you or its members investment advice. It is important for you to be aware we DO NOT replace advice that you may need to seek (at your own cost) from independent 3rd parties such as (but not limited to) accountants, lawyers, brokers and financial planners.

3.3 We takes all reasonable attempts to ensure that information on this website is reliable and accurate at the time of publishing have been taken. Should we be advised of inaccurate content by a suitably qualified professional we shall immediately remove or correct such content.

3.4 We 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 tools, products, resources or services.
For errors in or omissions from the tools, products or resources;
For the inaccuracy of any information obtained through this website;
For any advice or information obtained and used by you through this website whereby you have linked through to a third party.

3.5 At your own risk:
You are personally responsible for entering all your details into the online calculators and tools, accordingly this is done by you entirely at your own risk. You expressly agree that we are not responsible or liable for any loss or damage caused (financial or other) due to discrepancies related to data entry and the consequential decisions that you make based on the use of the online calculators and tools, products and services. Due to the inability for us to ensure that all detail entered into our online calculators and tools are accurate and correct at the time of entry you acknowledge that this is done entirely at your risk. The results displayed are indicative only and should not be relied on without seeking further advice from either Money Managed Smarter or other professional advisers.

3.6 In situations where you seek further advice from us all reasonable endeavours will be made by us to assist you to become better informed in order that you can seek further professional or independent advice where it may be required however due to the vast variations in personal finances you also acknowledge that should further advice be undertaken from us that you indemnify us from any loss whether financial or other and that no liability or compensation shall be forthcoming or attributed to us.

3.7 Disclaimer: You expressly understand and agree that:
A. Responsibility for the content of advertisements appearing on this web site or any other communication we may make with you (including hyperlinks to advertisers’ own websites) rests solely with the advertisers. Such advertisements may appear from time to time on the web site or other communication however this in no way constitutes a recommendation or endorsement by us of the advertised product or service.
Each advertiser is solely responsible for any representation made in connection with its advertisement and product/service.
B. Donations, Payments and Refunds Policy:
(1) Should you choose to make any form of payment or donation through this website for its services refunds to do not apply. 
(2) All payments received are accepted as donations and as such a donations receipt will be provided with every payment received. 
(3) If you do not receive a receipt or require one at any time please message us via the contact form on our website.

C. Login Information: You are solely responsible for keeping your login information, including your password, secret and secure.
D. Banking Information: No bank account or credit card information is stored on our system. All payment transactions are performed through the “STRIPE” secured site and not through the Money Managed Smarter website.
E. Response time: We endeavour to respond as soon as possible however like every business from time to time we may be delayed in responding. If you have not received a response within our reply time (two working days) then please email us at [email protected] 

4 General Provisions

4.1 Calculators and guides:
They are designed to represent a general picture and indication of a user’s financial situation/options based on the information entered. If you disagree your comments help us to research and adjust these if necessary. Relying on these results without obtaining further qualified advice from a suitable professional you do so at your own risk.

4.2 System Integrity:
We will use its reasonable endeavours to ensure the availability of the web site and services, subject to any downtime required for maintenance. However, we do 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. We also accept no liability for any corruption of any data that you may have provided to us.

4.3 Force Majeure:
There is no liability on the part of us 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 our control.

4.4 No Waiver:
If we do not enforce a right then this non-enforcement of such right does not constitute a waiver of any such right

4.5 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.

4.6 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.

4.7 Copyright and License to use:
The material on this website is protected by copyright. Copyright in all the information, products and services are held by Money Managed Smarter. Permission is granted to you under a limited personal use license to access, display, download, format and print portions of this site content solely for your own personal non-commercial use, provided that the content is not modified and all proprietary notices are kept intact. You may not reproduce, publish, translate, merge, sell, rent, distribute the content, or create a derivative work of the content on any other website or as part of any educational, training or reference materials. 

4.8 With regard to clause 4.7 you are permitted to distribute information via the use of links to social media or third party use however only when done without modification and the original source identified in the distribution. In addition permission is only granted where distribution or reference is done in a manner that endorses the information and views being distributed.

4.9 With regard to 4.7 the online budget planner is protected by copyright and owned by Anthony Hailwood (trading as Moneytrainer) and Money Managed Smarter holds an indefinite license to use this system under its own brand.

5 Privacy Policy
This policy sets out how and when we collect, hold, use and disclose your personal information.

5.1 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).

5.2 Collection: We may collect personal information about you:
A. When you provide information to us directly, for example, by you sending us an email inquiring about information relating to us or our products or services.
B. Through your use of this site and the services and functionality offered through it.

6 Use: We will only use personal information about you for the following reasons:

6.1 To improve the products and services we offer through this site.

6.2 To respond to your queries.

6.3 To add to our Moneytrainer/Money Managed Smarter database so we may inform you of specials, promotions, offers and events via email or post.

6.4 Any other reasons which we may notify you about at the time the information is collected.

7.0 Google Analytics

We use Google Analytics to collect and analyze details about the use of our website. The information Google Analytics collects includes:

  • Your IP Address
  • The search terms you used
  • The pages you accessed on our website and the links you clicked on
  • The data and time you visited the website
  • The referring website (if any) through which you clicked through to this site from
  • Your operating system (E.G. Windows, Mac)
  • The type of web browser you use (E.G. Internet Explorer, Firefox, Safari)
  • Other incidental matters such as screen resolution and the language setting of your browser
  • No effort is made to identify visitors.


This website uses Mouseflow, a website analytics tool that helps us better understand how visitors navigate around our website. This allows us to make continual improvements for user experience and easier navigation of content.

Your personal information is protected, Mouseflow does not collect information outside your web browser or track or record any information you enter into forms, log ins, calculators, booking forms or any such fields where you or your personal information may be added.

Mouseflow if active on any pages of this website may record your clicks, mouse movements, scrolling, pages visited, time on site, browser, operating system, device type, visitor country (IP addresses are anonymised).

If you would like to opt-out, you can do so at               

9 Disclosure: We may share your personal information:

9.1 To our internet service providers (e.g. in order to store the information).

9.2 Where the disclosure is in connection with one of the purposes for which the information was collected.

9.3 Where we are required or authorised by law to make disclosure.

9.4 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.

9.5 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.

9.6 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:

9.6.1 That we correct this information if it is inaccurate; and

9.6.2 That your details do not appear on our database.
You can make changes to your personal information by requesting so via email to [email protected] 

10. 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 and also an option to unsubscribe directly. If at any time you decide you do not want to receive our emails, simply use the unsubscribe option or reply and in the subject line type the words “unsubscribe”.

11. Competitions, prize draws and giveaways

From time to time we may offer prizes or giveaways and other promotions or competitions. By entering such events you acknowledge and accept the following.

11.1 In the event you are a winner you give permission for your name to be used for the purposes of notifying other participants of the winner. Such notification may be shared publicly on our website or in such other communication Money Managed Smarter uses for the purposes of keeping subscribers and members informed.

11.2 Your details will appear in the following format and no other details shall be shared without your express permission.
        Example: J Smith - Auckland

11.3 Winners will be notified within 3 days of the close date and Money Managed Smarter reserves the sole right to draw a new winner in the event the actual winner advises they do not want their name published. In such instances where Money Managed Smarter exercises this right the actual winner agrees to forfeit the prize won.