These terms are an agreement between you and Enovante LLC, 8 The Green STE 17050, Dover, DE 19901, United States ("we", "us"), for using the LumiSpend and LumiSpend Student apps (the "apps") and the lumispend.com website. By creating an account you agree to them. If you accept them for a business, you confirm you're allowed to bind it, and "you" means that business. Our Privacy Policy explains how we handle your information.
If you downloaded an app from the App Store, Apple's Licensed Application End User License Agreement also applies. Where it conflicts with these terms, these terms apply to the extent the law allows. Apple isn't responsible for the apps or for supporting them.
1. What the Apps Are, and Aren't
LumiSpend helps freelancers and small businesses in New Zealand see their cash flow. It shows what's safe to spend after setting aside GST and income tax, tracks invoices and expenses, and estimates GST and tax.
LumiSpend Student helps students in New Zealand track spending, budgets, bills, savings goals and work hours, alone or with a partner.
They're tools for visibility, not advice. The apps are not accounting, bookkeeping, banking or tax-filing software. Safe To Spend, GST, tax, runway, health-score and budget figures are estimates based on what you enter and on general rules such as NZ tax rates, and may not match your actual obligations. In particular:
- the apps don't file returns or make payments to Inland Revenue, and don't connect to your bank;
- your GST and tax obligations are yours: check figures with Inland Revenue or a qualified adviser before relying on them; and
- in LumiSpend Student, the visa work-hours and expiry reminders are a convenience, not immigration advice. Your visa conditions are what Immigration New Zealand has set for you.
2. Your Account
- You need to be at least 16 to use LumiSpend Student, and able to enter a binding agreement (or running a business) to use LumiSpend.
- Give accurate sign-up details, keep them up to date and keep your password safe. You're responsible for what you authorise under your account and for taking reasonable steps to protect it; tell us straight away at connect@lumispend.com if you think someone else has used it.
- One account is for one person. In LumiSpend Student, Couple mode links two accounts; it doesn't share a login.
3. Free Trial and Subscriptions
Free trial. New accounts get a free trial with every feature: 14 days in LumiSpend and 7 days in LumiSpend Student. No payment details are needed, and the trial doesn't turn into a paid plan by itself.
Plans. After the trial, adding and editing records needs a subscription. Prices are in NZ dollars and include GST:
- LumiSpend Monthly: $14.99 a month.
- LumiSpend Annual: $149.99 a year.
- LumiSpend Annual, Founding Member (for subscriptions started before 1 April 2027): $119.99 a year, for as long as the subscription continues.
- LumiSpend Student, Just Me: $5.99 a month or $49.99 a year.
- LumiSpend Student, Couple (you and one partner in your household): $8.99 a month or $89.99 a year.
The app shows the current price in your store's currency before you buy. We may change prices for future periods. A change applies no earlier than your next renewal; Apple or Google will tell you (and ask for your agreement where their rules require) before it affects you, and you can cancel before it does.
Billing is by Apple or Google. Subscriptions are bought through the App Store or Google Play and charged to your store account. They renew automatically unless you cancel at least 24 hours before the renewal date:
- iPhone or iPad: Settings → your name → Subscriptions → the app → Cancel Subscription.
- Android: Google Play Store → your profile picture → Payments & Subscriptions → Subscriptions → the app → Cancel Subscription.
After you cancel, you keep access until the end of the period you've paid for. Deleting your account doesn't cancel your subscription. Refunds are handled by Apple or Google under their policies, and we don't refund just because you stop using an app part-way through a paid period. Nothing in these terms limits refunds or other remedies you're entitled to by law.
When a subscription or trial ends, your records aren't deleted or locked away. You can still view and export everything; only adding and editing pause until you subscribe.
Couple plan. The person who pays covers their partner while both are in the same household. If the payer cancels, leaves the household or deletes their account, the partner's cover ends at the next check, and the partner keeps their own records.
Offers. We may sometimes offer free extensions, free access or discounts. Discounts on paid plans are given through Apple's or Google's offer systems and follow their rules.
4. Your Content
The records, photos and other information you put in the apps are yours. You give us a worldwide, non-exclusive, royalty-free permission to store, process, back up, transmit and display them only so we can provide and secure the apps for you (and, in Couple mode, to show what you share to your partner). Our service providers may do the same on our behalf, only for those purposes and under contract. The permission lasts only as long as we need it for that. We don't claim ownership, don't sell your content and don't use it for anything else.
You're responsible for having the right to enter what you enter: for example, if you record a client's details on an invoice, you must be allowed to. You can export your records at any time (Profile → Settings → Export All Data) and delete your account (Profile → Settings → Delete Account), which permanently deletes your records as the Privacy Policy describes.
5. The Website
The information on lumispend.com is general information about the apps, not financial, tax or immigration advice. If you send us a message through the contact form, make sure it's accurate and yours to share, and don't include passwords or card details. Prices and features shown on the website may change; the app shows what applies when you buy.
6. Acceptable Use
Don't:
- use the apps or website for anything unlawful, including fraud, money laundering or misleading tax records;
- try to access other people's accounts or data, or get around security or subscription checks;
- reverse-engineer, copy or resell the apps, except as the law allows;
- probe or test our security without written permission, or get around usage limits;
- overload, scrape or mass-download from the services, disrupt them, or send automated messages through the contact form;
- copy protected parts of the apps to build a competing service; or
- upload malicious code or anything that infringes someone else's rights.
None of this stops you exporting your own records or doing anything the law protects.
7. Our Intellectual Property
The apps, the website, the LumiSpend name, logos and design belong to us or our licensors; your records don't. You get a personal, non-transferable, non-exclusive licence to use the apps on devices you own or control, for as long as you have an account and follow these terms. Other companies' names and logos belong to them, and showing them doesn't mean they endorse us.
If you send us suggestions or feedback, we can use them without paying you or naming you. That doesn't give us any rights in your records.
8. Third-Party Services and App Stores
We use suppliers such as Supabase, Apple and Google to run the apps; using them doesn't reduce our responsibilities under these terms. The App Store and Google Play have their own rules for buying, cancelling and refunds, which apply alongside these terms but don't remove rights the law gives you.
9. Availability and Changes
We work to keep the apps available and your data safe, but can't promise uninterrupted service: maintenance, outages at our providers (such as Supabase, Apple or Google) or your connection can affect it. We'll warn you ahead of planned maintenance likely to noticeably affect you where we can. We may add, change or remove features for security, legal reasons, maintenance or to improve the apps. If we stop offering an app or materially cut back its core features, we'll give you at least 90 days' notice where practicable and a way to export your records, and refund any unused prepaid period as the law or store rules require. Urgent security or legal changes may happen sooner, with notice as soon as we reasonably can.
10. Suspension and Ending
You can stop using the apps and delete your account at any time.
We may suspend access where reasonably necessary because of a serious breach of these terms, unlawful activity, a legal requirement or a serious security risk. We'll normally tell you first and give you a chance to fix the problem, and we'll lift a suspension once it's resolved. We may act straight away if waiting would create a serious risk or break the law, and we'll explain why as soon as we can, unless the law or security stops us.
We may close an account for a serious breach you haven't fixed within 14 days of our notice, straight away for a serious breach that can't be fixed, or where the law requires it. Unless that's prohibited, we'll give you a chance to export your records first. If we close a paid account for a reason other than your breach, we'll refund the unused prepaid period, through Apple or Google where they hold the payment.
Parts of these terms that by their nature should continue after your account ends, such as ownership, limits on responsibility and disputes, still apply.
11. Rights That Can't Be Excluded
Nothing in these terms excludes, restricts or changes any guarantee, remedy or right that the law doesn't allow to be excluded, including your rights under the Consumer Guarantees Act 1993, the Fair Trading Act 1986 and the consumer laws of the country where you live. The limits, indemnity and law-and-courts clauses below apply only as far as the law allows.
- LumiSpend is supplied for business purposes. If you use it for a business, the Consumer Guarantees Act doesn't apply, and you agree that it's fair and reasonable that it doesn't (section 43).
- LumiSpend Student is supplied to consumers, so the Consumer Guarantees Act applies in full.
12. Limits on Our Responsibility
Subject to section 11:
- the apps are provided "as is" and "as available": we don't promise that the figures are complete, accurate or suitable for your situation, or that the apps are free of errors;
- we're not responsible for decisions you make based on the apps' estimates, including tax or GST you underpay or overpay, penalties or interest;
- neither of us is responsible to the other for indirect or consequential loss and, if you use the apps for a business, we're not responsible for lost profit, revenue, opportunity or savings; and
- our total liability to you for anything to do with the apps is limited to what you paid for your subscription in the 12 months before the event that led to the claim, or NZ$100 if you haven't paid anything. Claims arising from the same event count together.
A loss isn't excluded just because it involves your data. These limits don't apply to our fraud or wilful misconduct, or to anything else the law doesn't allow us to limit.
13. Indemnity for Business Users of LumiSpend
If you use LumiSpend for a business, you'll cover amounts a court awards, settlements you approve and reasonable defence costs if a third party claims that content you entered infringes their rights, or that your unlawful misuse of LumiSpend caused them loss. This doesn't apply to the extent the claim results from our own breach or negligence. We'll tell you about the claim promptly, let you run a reasonable defence and help at your reasonable cost; you won't settle in a way that admits fault for us or binds us without our agreement, which we won't unreasonably refuse. Your total liability under this section is the greater of what you paid us in the 12 months before the claim and NZ$1,000, except for your fraud or wilful misconduct.
14. Changes to These Terms
We may update these terms because of changes in the law, security needs or how we run the apps. For important changes, we'll tell you in the app or by email at least 30 days before they take effect, saying what's changing and when, unless the law or an urgent security need requires a change sooner, in which case we'll give as much notice as we can. If you don't agree, you can cancel your subscription and delete your account before then; continuing to use the apps afterwards means you accept the new terms, as far as the law allows. Changes don't apply to anything that happened before they took effect, and price changes follow section 3.
15. Disputes and Governing Law
If you have a problem, contact us first at connect@lumispend.com and we'll try to resolve it in good faith. That doesn't stop either of us seeking urgent relief, or you using a complaints body, tribunal or other rights the law gives you, and it doesn't extend any legal deadline.
These terms are governed by New Zealand law, and the courts of New Zealand have jurisdiction, as far as the law allows. Nothing here takes away consumer protections or access to courts or tribunals you have where you live.
16. Notices
We'll send notices about your account, billing or these terms to your account email address or in the app, so keep your email up to date. Send notices to us at connect@lumispend.com, or by post to the address below. An email notice counts as received on the next business day after it's sent, unless it bounces; a posted notice on the fifth business day after posting (the tenth if it's sent internationally).
17. General
- If part of these terms can't be enforced, the rest still applies.
- If we don't enforce a right straight away, we haven't given it up.
- You can't transfer your account or these terms. We may transfer them to someone who takes over the apps, if they take on our obligations and your rights aren't reduced; we'll tell you if that happens.
- These terms, the Privacy Policy and any store terms that apply are the whole agreement between us about the apps. That doesn't exclude liability for anything we've said where the law doesn't allow it.
- No one else can enforce these terms, except Apple or Google where their store terms give them that right, or where the law requires.
Contact
Enovante LLC, 8 The Green STE 17050, Dover, DE 19901, United States. Support: connect@lumispend.com. Privacy: privacy@enovante.com.