{
  "version": "1.0",
  "effective_date": "2026-05-18",
  "documents": {
    "terms_of_service": {
      "title": "Terms and Conditions",
      "content": "# Terms and Conditions\n**Last Updated:** May 18, 2026\n\nWelcome to MintrAIQ. \nThese Terms and Conditions (\"Terms\") govern your access to and use of the MintrAIQ website, mobile application, and associated services (collectively, the \"Platform\").\n\nBy creating an account or using the Platform, you agree to be bound by these Terms. If you do not agree to these Terms, you must not use the Platform.\n\n1. The Most Important Thing: No Financial Advice\n1.1 Information, Not Advice: MintrAIQ is a technology platform designed to aggregate data and provide automated, algorithmic insights. MintrAIQ is not a Financial Advice Provider (FAP) and is not registered under the New Zealand Financial Markets Conduct Act 2013. 1.2 No Fiduciary Relationship: Nothing generated by the Platform—including but not limited to AI insights, spending categorization, budget pacing, \"Safe to Spend\" metrics, or \"Discipline\" nudges—constitutes personalized financial, investment, tax, or legal advice.\n\n1.3 User Responsibility: You are solely responsible for your financial decisions. You should consult with a certified financial advisor or accountant before making significant financial decisions based on data surfaced by MintrAIQ.\n\n2. Artificial Intelligence & Data Disclaimers\n2.1 AI-Generated Content: The Platform utilizes advanced Artificial Intelligence (AI) and Large Language Models to analyze your transaction history and generate conversational insights. While we strive for accuracy, AI is subject to errors, miscategorizations, and \"hallucinations.\" You must independently verify any AI-generated insight before acting upon it.\n\n2.2 Read-Only Data: MintrAIQ operates on a strict \"read-only\" basis. We aggregate data via secure third-party connections (e.g., Akahu) or manual statement uploads. MintrAIQ cannot move, touch, alter, or transfer your funds.\n\n2.3 Data Accuracy: Our analysis is only as accurate as the data provided by your banking institution or uploaded statements. We accept no liability for discrepancies caused by delayed bank feeds, incorrect categorization, or OCR (Optical Character Recognition) errors during receipt scanning.\n\n3. Account Security & Subscriptions\n3.1 Account Integrity: You are responsible for maintaining the confidentiality of your login credentials and enabling Multi-Factor Authentication (MFA) where offered. You must immediately notify us of any unauthorized use of your account.\n\n3.2 Billing and Subscriptions: Certain features of MintrAIQ are available on a premium subscription basis. Fees are billed in advance on a recurring cycle. You may cancel at any time, but we do not provide refunds for partial billing periods unless required by the Consumer Guarantees Act 1993.\n\n4. Limitation of Liability\nTo the maximum extent permitted by New Zealand law:\n\nMintrAIQ and its directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or financial standing, resulting from your use of the Platform.\n\nOur total liability for any claims under these Terms shall not exceed the amount you paid to MintrAIQ for the use of the Platform in the twelve (12) months preceding the claim.\n\n5. Apple App Store Mandatory EULA Clauses\nIf you download the MintrAIQ mobile application through the Apple App Store, the following terms apply:\n\n5.1 Acknowledgement: You and MintrAIQ acknowledge that these Terms are concluded between you and MintrAIQ only, and not with Apple. MintrAIQ, not Apple, is solely responsible for the App and the content thereof.\n\n5.2 Scope of License: The license granted to you for the App is limited to a non-transferable license to use the App on any Apple-branded products that you own or control and as permitted by the Usage Rules set forth in the Apple Media Services Terms and Conditions.\n\n5.3 Maintenance and Support: MintrAIQ is solely responsible for providing any maintenance and support services with respect to the App. Apple has no obligation whatsoever to furnish any maintenance and support services.\n\n5.4 Warranty: MintrAIQ is solely responsible for any product warranties, whether express or implied by law. In the event of any failure of the App to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price for the App to you; and, to the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the App.\n\n5.5 Product Claims: MintrAIQ and you acknowledge that MintrAIQ, not Apple, is responsible for addressing any claims of you or any third party relating to the App, including, but not limited to: (i) product liability claims; (ii) any claim that the App fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection, privacy, or similar legislation.\n\n5.6 Intellectual Property Rights: In the event of any third-party claim that the App or your possession and use of the App infringes that third party's intellectual property rights, MintrAIQ, not Apple, will be solely responsible for the investigation, defense, settlement, and discharge of any such intellectual property infringement claim.\n\n5.7 Legal Compliance: You represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a \"terrorist supporting\" country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.\n\n5.8 Third-Party Beneficiary: You and MintrAIQ acknowledge and agree that Apple, and Apple's subsidiaries, are third-party beneficiaries of these Terms, and that, upon your acceptance of the terms and conditions of this EULA, Apple will have the right (and will be deemed to have accepted the right) to enforce this EULA against you as a third-party beneficiary thereof.\n\n6. Governing Law\nThese Terms shall be governed by and construed in accordance with the laws of New Zealand. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the New Zealand courts.\n\n7. Contact Information\nIf you have any questions about these Terms, please contact us at:\nEmail: ram@mintraiq.com\nAddress: MintrAIQ, Auckland."
    },
    "privacy_policy": {
      "title": "Privacy Policy",
      "content": "# Privacy Policy\n**Last Updated:** 12 July 2026\n\nWelcome to MintrAIQ. We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our mobile application (collectively, the \"Platform\").\n\n1. Information We Collect\nWe collect personal information that you voluntarily provide to us when registering for the Platform, expressing an interest in obtaining information about us or our products, or otherwise interacting with the Platform.\n\nIdentity & Contact Data: Name, email address, date of birth, and phone number provided during the account bootstrap process.\n\nFinancial Data: Transaction history, account balances, and receipt data. We operate on a strictly read-only basis. We do not store your bank login credentials; these are handled directly by secure, regulated third-party connection providers.\n\nDevice & Usage Data: Push notification tokens, mobile device IDs, IP addresses, operating system details, and interaction data (such as which features you use and your onboarding state) to optimize your app experience.\n\nAI Interaction Data: The prompts, categories, and goals you provide to the MintrAIQ assistant.\n\n2. How We Use Your Information\nWe process your information for purposes based on legitimate business interests, the fulfillment of our contract with you, and compliance with our legal obligations:\n\nTo provide the core service: Aggregating your financial data, generating budgets, and providing AI-driven insights and pacing nudges.\n\nTo manage your account: Handling authentication, session management, and syncing your onboarding state across devices.\n\nTo communicate with you: Sending push notifications regarding account alerts, weekly summaries, and system updates based on your notification preferences.\n\nTo improve our AI: Anonymizing and aggregating categorization feedback to improve the accuracy of our underlying models.\n\n3. How We Share Your Information\nWe only share information with third parties that perform services for us or on our behalf, requiring them to protect your data. We do not sell your personal data.\n\nFinancial Infrastructure Providers: To securely fetch your read-only banking data.\n\nAI Service Providers: Transaction data is sent to our enterprise AI partners to generate categorization and conversational insights. This data is transmitted securely and is strictly prohibited from being used by the provider to train public models.\n\nAuthentication & Hosting Providers: To securely manage your identity tokens and host our encrypted databases.\n\n4. Connected Email Accounts and Google User Data\nWhere you choose to connect an email account (Gmail, Outlook, or another mailbox via IMAP), MintrAIQ accesses your mailbox on a strictly read-only basis to detect bills, subscriptions, receipts, and bank statement emails and to surface upcoming payments in the app. We never send, modify, or delete email, and we never mark messages as read. Connection tokens and any credentials are encrypted at rest, and you can disconnect a mailbox at any time from Settings, which revokes our access.\n\nGoogle API Services Limited Use: MintrAIQ's use and transfer of information received from Google APIs to any other app will adhere to the Google API Services User Data Policy, including the Limited Use requirements. When you connect Gmail using the read-only (gmail.readonly) scope:\n\n- We use Gmail data only to provide and improve the user-facing bill, receipt, subscription, and statement detection features described above.\n- We do not transfer Gmail data to others except as necessary to provide or improve these features, to comply with applicable law, or as part of a merger or acquisition with notice to you.\n- We do not use Gmail data for serving advertisements.\n- We do not allow humans to read your Gmail data, and we do not use it to train generalized or third-party AI models, except (i) with your explicit consent for specific messages, (ii) where necessary for security purposes such as investigating abuse, (iii) to comply with applicable law, or (iv) where the data has been aggregated and anonymized for internal operations.\n\n5. Data Security & Storage\nWe implement industry-standard technical and organizational security measures to protect your personal information. Your data is encrypted in transit using TLS/SSL and at rest within our databases. While we do our best to protect your personal information, transmission of personal information to and from our Platform is at your own risk. You should only access the Platform within a secure environment.\n\n6. Data Retention & Account Deletion\nWe keep your information for as long as necessary to fulfill the purposes outlined in this Privacy Policy unless otherwise required by law.\n\nYour Right to Delete:\nYou have the right to request the complete deletion of your account and associated data. You can initiate an automated account deletion directly within the MintrAIQ mobile app by navigating to Settings > Account > Delete Account. Upon request, we will permanently delete or anonymize your identity, financial data, and push notification tokens from our active databases, subject to any legal obligations to retain specific transaction records for compliance purposes.\n\n7. Your Rights under the New Zealand Privacy Act 2020\nIf you are a resident of New Zealand, you have specific rights regarding your personal information:\n\nAccess: You have the right to ask for a copy of any personal information we hold about you.\n\nCorrection: You have the right to ask for it to be corrected if you think it is wrong.\n\n8. Changes to this Privacy Policy\nWe may update this privacy notice from time to time. The updated version will be indicated by an updated \"Last Updated\" date and the updated version will be effective as soon as it is accessible. We encourage you to review this privacy notice frequently to be informed of how we are protecting your information.\n\n9. Contact Us\nIf you have questions, comments, or requests regarding this Privacy Policy or your data, please contact us at:\nEmail: ram@mintraiq.com\nAddress: MintrAIQ, Auckland."
    },
    "footer_disclaimer": {
      "title": "General Disclaimer",
      "content": "MintrAIQ is a technology platform, not a registered Financial Advice Provider under the NZ Financial Markets Conduct Act. All AI-generated insights are for informational purposes only and do not constitute personalized financial advice."
    }

  }
}