These Terms of Use govern your use of the Sugar website (conciergebysugar.com) and services operated by Sugar Limited, registered at Suite 14278, 17b Farnham Street, Parnell, Auckland, 1052, New Zealand.
By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, please do not use our Services.
You must be at least 18 years of age to use Sugar. By using our Services, you confirm that you are 18 or older and that the information you provide is accurate and complete.
Sugar is a financial wellness platform that helps users understand and improve their financial position. Our Services include a qualification survey, analysis of your financial data, personalised financial insights and recommendations, and tools for reviewing transactions and financial health.
Sugar is not a financial adviser, bank, credit provider, or insurance company. Our Services provide general information and tools only. They do not constitute personalised financial advice. You should seek independent professional advice before making financial decisions.
For details on how we handle your data, see our Privacy Policy.
We reserve the right to suspend or terminate your access if you breach these Terms.
All content, features, and functionality of our Services, including text, graphics, logos, and software, are owned by Sugar or our licensors and are protected by New Zealand and international intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any part of our Services without our prior written consent.
Our platform integrates with third-party services, such as analytics providers and processing services, as described in our Privacy Policy. We are not responsible for the practices or policies of these third-party services.
Sugar does not provide financial advice as defined under the Financial Markets Conduct Act 2013 (New Zealand). Nothing on our platform should be interpreted as a recommendation to buy, sell, or hold any financial product, personalised financial, investment, tax, or legal advice, or a guarantee of any financial outcome. This does not change any membership savings refund promise shown at checkout or in pricing: if Sugar does not find the savings it promises, Sugar refunds the difference between the savings promised and the savings found.
To the maximum extent permitted by New Zealand law, Sugar is provided on an "as is" and "as available" basis, without warranties of any kind. We do not warrant that our Services will be uninterrupted, error-free, or secure.
We are not liable for indirect, incidental, special, consequential, or punitive damages. Our total liability for any claim is limited to the amount you paid Sugar in the 12 months preceding the claim, or NZD $100, whichever is greater. Nothing in these Terms excludes liability that cannot be excluded under New Zealand law.
You agree to indemnify and hold harmless Sugar, its officers, directors, employees, and agents from claims, losses, damages, liabilities, and expenses arising from your use of our Services, breach of these Terms, violation of law, or information you provide.
We may suspend or terminate your access at any time, with or without cause or notice. You may stop using our Services at any time and request deletion of your data as described in our Privacy Policy.
We may update these Terms from time to time. Continued use of our Services after changes are posted constitutes your acceptance of the revised Terms.
These Terms are governed by the laws of New Zealand. Any disputes will be subject to the exclusive jurisdiction of the courts of New Zealand.
Email: [email protected]
Address: Suite 14278, 17b Farnham Street, Parnell, Auckland, 1052, New Zealand